Clay County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Clay County, TX distress report, 2026: 9 ZIPs scored in Clay, TX, Clay, TX average 20/100; the top Clay, TX ZIP is 76228 at 23/100; Clay, TX market phase peak, Clay, TX prices +0.8% year over year.
- Clay, TX ranks #1,445 nationally (opportunity index); Clay, TX #150 in Texas; Clay, TX index 29.6.
- Clay, TX: no CFPB county sample; Clay, TX non-metro area reading 1.4%.
- Clay, TX ZIP phases: 9 peak.
- Clay, TX residential listings tracked: 5 across 5 ZIPs; Clay, TX candidate listings 3.
- Clay, TX lenders on watch: 2; largest Clay, TX footprint Prosperity Bank (2 branches).
- Clay, TX most distressed ZIP: 76228 at 23/100.
Clay, TX figures: DLRadar distress index; Clay, TX inputs: CFPB, FHFA, HUD, FDIC; Clay, TX rebuilt as sources refresh.
| Rank | Clay, TX ZIP | Score |
|---|---|---|
| 1 | 76228 | 23/100 |
| 2 | 76305 | 22/100 |
| 3 | 76357 | 22/100 |
| 4 | 76365 | 22/100 |
| 5 | 76377 | 22/100 |
| 6 | 76230 | 18/100 |
| 7 | 76261 | 18/100 |
| 8 | 76310 | 16/100 |
| 9 | 76389 | 15/100 |
Most distressed Clay, TX ZIPs (0-100, 2026)
Mortgage delinquency around Clay, TX
No CFPB county sample covers Clay, TX; the non-metro area reading for Clay, TX: 1.4% ninety-plus; Clay, TX area thirty-to-eighty-nine 3.5% (December 2025, Clay, TX); Texas overall 1.2%.
Opportunity index: Clay, TX
Clay, TX index 29.6, Clay, TX phase early_signal; Clay, TX primary driver construction, Clay, TX second driver vacancy. Clay, TX components: property stress 17.9, foreclosure pressure 20.3, listing discounts 21.2, bank stress 45.7, insurance 0.0; Clay, TX pulse 34.0; Clay, TX capital opportunity 22.9; Clay, TX seven-day change -0.2%.
ZIP market phases inside Clay, TX
9 Clay, TX ZIPs carry a price-cycle phase; Clay, TX ZIPs by phase (Clay, TX), deepest drawdown first: peak, +0.8% YoY, 2.5% off peak (Clay, TX): 76305, 76310, 76357, 76377; peak, +0.9% YoY, 2.4% off peak (Clay, TX): 76365, 76389; peak, +0.9% YoY, 2.3% off peak (Clay, TX): 76228; peak, +1.6% YoY, 0.9% off peak (Clay, TX): 76261; peak, +1.9% YoY, 0.2% off peak (Clay, TX): 76230.
Residential listings by Clay, TX ZIP
Clay, TX ZIPs with the most tracked Clay, TX residential listings: 76228 2 listings, 0 candidates, bank pressure 59; 76365 2 listings, 2 candidates, bank pressure 52; 76357 1 listings, 1 candidates, bank pressure 43; 76305 0 listings, 0 candidates, bank pressure 52 (Clay, TX); 76377 0 listings, 0 candidates, bank pressure 43. Clay, TX totals: 5 listings; Clay, TX candidates 3; active ZIPs 1.
Lenders with branches in Clay, TX
Clay, TX lenders by branch count: Prosperity Bank (Clay, TX): stress 33, 2 branches low in Clay, TX; Legend Bank N A (Clay, TX): stress 53, 1 branch low in Clay, TX.
Vacancy and permits, Clay, TX
874 of 5,163 Clay, TX housing units are vacant; Clay, TX permits, twelve months: 0 multifamily units in Clay, TX, 2 one-to-four unit units.
Work Clay, TX at the parcel level
Every Clay, TX parcel carries owner and address; every Clay, TX parcel carries APN; Clay, TX distress scores sit on the Clay, TX live board.
Clay, TX figures refresh with each source.
Clay, TX questions
Most distressed ZIP code in Clay County, TX?
ZIP 76228 leads Clay, TX at 23/100; next in Clay, TX: 76305 at 22/100; the Clay, TX average is 20/100.
Where does Clay County, TX rank for investment opportunity?
Clay, TX is #1,445 among all ranked counties, #150 in Texas; the Clay, TX driver is construction; Clay, TX moved down 97 places.
How many mortgages are delinquent in Clay County, TX?
Clay, TX takes the non-metro area reading of 1.4% for December 2025; no CFPB county sample covers Clay, TX.
Which banks lend in Clay County, TX?
2 watched lenders hold Clay, TX branches; the largest Clay, TX footprints are Prosperity Bank (2), Legend Bank N A (1).
More on Clay, TX
Clay County, TX distress report: public-record figures for Clay, TX; not legal advice for Clay, TX; not tax or investment advice; verify every Clay, TX record before acting.