Clay County, TN Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Clay County, TN distress report, 2026: 7 ZIPs scored in Clay, TN, Clay, TN average 13/100; the top Clay, TN ZIP is 38588 at 17/100; Clay, TN market phase peak, Clay, TN prices +2.8% year over year.
- Clay, TN ranks #2,503 nationally (opportunity index); Clay, TN #81 in Tennessee; Clay, TN index 25.9.
- Clay, TN: no CFPB county sample; Clay, TN non-metro area reading 1.3%.
- Clay, TN ZIP phases: 7 peak.
- Clay, TN residential listings tracked: 2 across 2 ZIPs; Clay, TN candidate listings 0.
- Clay, TN lenders on watch: 2; largest Clay, TN footprint Macon Bank&Trust Co (1 branch).
- Clay, TN most distressed ZIP: 38588 at 17/100.
Clay, TN figures: DLRadar distress index; Clay, TN inputs: CFPB, FHFA, HUD, FDIC; Clay, TN rebuilt as sources refresh.
| Rank | Clay, TN ZIP | Score |
|---|---|---|
| 1 | 38588 | 17/100 |
| 2 | 37150 | 15/100 |
| 3 | 38551 | 14/100 |
| 4 | 38575 | 14/100 |
| 5 | 38541 | 12/100 |
| 6 | 38568 | 11/100 |
| 7 | 38573 | 9/100 |
Most distressed Clay, TN ZIPs (0-100, 2026)
Mortgage delinquency around Clay, TN
No CFPB county sample covers Clay, TN; the non-metro area reading for Clay, TN: 1.3% ninety-plus; Clay, TN area thirty-to-eighty-nine 3.3% (December 2025, Clay, TN); Tennessee overall 0.9%.
Opportunity index: Clay, TN
Clay, TN index 25.9, Clay, TN phase weak; Clay, TN primary driver vacancy, Clay, TN second driver bank institutional. Clay, TN components: property stress 20.2, foreclosure pressure 20.5, listing discounts 3.9, bank stress 55.5, insurance 0.0; Clay, TN pulse 34.1; Clay, TN capital opportunity 14.5; Clay, TN seven-day change +0.4%.
ZIP market phases inside Clay, TN
7 Clay, TN ZIPs carry a price-cycle phase; Clay, TN ZIPs by phase (Clay, TN), deepest drawdown first: peak, +2.0% YoY, 0.1% off peak (Clay, TN): 37150; peak, +2.1% YoY, 0.0% off peak (Clay, TN): 38588; peak, +2.5% YoY (Clay, TN): 38541; peak, +2.8% YoY (Clay, TN): 38551, 38575; peak, +2.3% YoY (Clay, TN): 38568, 38573.
Residential listings by Clay, TN ZIP
Clay, TN ZIPs with the most tracked Clay, TN residential listings: 38575 2 listings, 0 candidates, bank pressure 71; 38551 0 listings, 0 candidates, bank pressure 63. Clay, TN totals: 2 listings; Clay, TN candidates 0; active ZIPs 1.
Lenders with branches in Clay, TN
Clay, TN lenders by branch count: Macon Bank&Trust Co (Clay, TN): stress 77, 1 branch low in Clay, TN; Wellworth Bank (Clay, TN): stress 65, 1 branch low in Clay, TN.
Vacancy and permits, Clay, TN
519 of 4,005 Clay, TN housing units are vacant; Clay, TN permits, twelve months: 0 multifamily units in Clay, TN, 28 one-to-four unit units.
Work Clay, TN at the parcel level
Every Clay, TN parcel carries owner and address; every Clay, TN parcel carries APN; Clay, TN distress scores sit on the Clay, TN live board.
Clay, TN figures refresh with each source.
Clay, TN questions
Most distressed ZIP code in Clay County, TN?
ZIP 38588 leads Clay, TN at 17/100; next in Clay, TN: 37150 at 15/100; the Clay, TN average is 13/100.
Where does Clay County, TN rank for investment opportunity?
Clay, TN is #2,503 among all ranked counties, #81 in Tennessee; the Clay, TN driver is vacancy; Clay, TN moved down 1,173 places.
How many mortgages are delinquent in Clay County, TN?
Clay, TN takes the non-metro area reading of 1.3% for December 2025; no CFPB county sample covers Clay, TN.
Which banks lend in Clay County, TN?
2 watched lenders hold Clay, TN branches; the largest Clay, TN footprints are Macon Bank&Trust Co (1), Wellworth Bank (1).
More on Clay, TN
Clay County, TN distress report: public-record figures for Clay, TN; not legal advice for Clay, TN; not tax or investment advice; verify every Clay, TN record before acting.