Clay County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Clay County, Tennessee? DLRadar grades every Clay County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 17/100. Here is the 2026 Clay County breakdown.
- Clay County's most distressed ZIP is 38588 at 17/100.
- 7 ZIP codes tracked in Clay County, averaging 13/100 distress.
- Clay County reads peak — home values up 2.8% year over year.
- Vacancy runs 19.3% across Clay County's tracked ZIPs, with a 20.2% poverty rate.
- The typical Clay County home is worth about $171,443 against a ~$41,967 median income.
- Lending headwind in Clay County sits at 70/100 — a forward read on distressed supply.
Figures come from DLRadar's public-record distress index and refresh every month. Free to quote with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 38588 | 17/100 |
| 2 | 37150 | 16/100 |
| 3 | 38551 | 14/100 |
| 4 | 38575 | 14/100 |
| 5 | 38541 | 12/100 |
| 6 | 38568 | 12/100 |
| 7 | 38573 | 9/100 |
Most distressed ZIP codes in Clay County (composite distress 0-100, 2026)
What is driving Clay County distress
The Clay County read is assembled from six public feeds — FHFA, CFPB, the county recorder, FEMA, NFIP and Census ACS, producing a 13/100 ZIP average. No proprietary or modelled inputs enter the score.
Clay County market phase and pricing
DLRadar places Clay County in peak; prices moved up 2.8% over the year. Longer marketing times follow, and with them the sellers worth calling.
See the distressed properties behind the data in Clay County
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Common questions
Which ZIP code leads Clay County on distress?
ZIP 38588 leads Clay County at 17/100, recomputed monthly from public records.
What market phase is Clay County in?
The market phase for Clay County is peak, prices rising 2.8% on the year — derived from the FHFA House Price Index path.
Can the Clay County figures be verified?
Each Clay County number can be traced back to a federal or county source — FHFA, CFPB, the recorder, FEMA/NFIP and Census ACS. One deterministic model covers all 7 local ZIPs and every other county in the country.
How much do distress scores vary between Clay County ZIP codes?
Averaging the county conceals how uneven it is. Across the Clay County ZIPs DLRadar ranks, scores run from 17/100 in 38588 down to 9/100 in 38573, against a Clay County average of 13/100. That 8-point gap is why acquisition targeting in Clay County works at ZIP level rather than county level.
What do Clay County home values and vacancy say about distressed supply?
The typical Clay County home carries about $171,443 of value against a median household income near $41,967. Vacancy across Clay County's tracked ZIPs runs 19.3% and the poverty rate is 20.2%. A tight budget and an empty house together turn a missed payment into a sale, so they are scored beside Clay County's foreclosure and lien data and its 70/100 lending headwind.
Related
These scores come from public filings run through fixed formulas. Nothing here is investment, legal or financial advice; the index refreshes monthly.