Clay County, TX Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Clay County, Texas? DLRadar grades every Clay County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Clay County breakdown.
- Clay County's most distressed ZIP is 76261 at 25/100.
- 9 ZIP codes tracked in Clay County, averaging 21/100 distress.
- Clay County reads peak — home values up 0.8% year over year, 2.5% off peak.
- Vacancy runs 20.3% across Clay County's tracked ZIPs, with a 9.8% poverty rate.
- The typical Clay County home is worth about $171,533 against a ~$75,835 median income.
- Lending headwind in Clay County sits at 0/100 — a forward read on distressed supply.
Numbers from the DLRadar public-record distress index, refreshed each month. Quote them freely with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 76261 | 25/100 |
| 2 | 76228 | 23/100 |
| 3 | 76230 | 23/100 |
| 4 | 76357 | 22/100 |
| 5 | 76365 | 22/100 |
| 6 | 76377 | 22/100 |
| 7 | 76305 | 21/100 |
| 8 | 76310 | 16/100 |
| 9 | 76389 | 13/100 |
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 21/100 ZIP average. No proprietary or modelled inputs enter the score.
Clay County market phase and pricing
Clay County currently sits in peak after a 0.8% gain in the past twelve months, 2.5% off the high. Slower absorption is the mechanism that converts price weakness into motivated supply.
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Questions and answers
What is the hardest-hit ZIP in Clay County?
ZIP 76261 leads Clay County at 25/100, recomputed monthly from public records.
Which phase does Clay County sit in right now?
Phase for Clay County: peak, tracking a 0.8% gain year over year, read off the FHFA index.
Can the Clay County figures be verified?
The inputs are all public: FHFA for the peak path, CFPB mortgage performance, recorder filings from the county, FEMA and NFIP, and Census ACS. Because all 9 ZIP codes in Clay County run through the identical model used nationwide, the figures compare directly against any other market.
How much do distress scores vary between Clay County ZIP codes?
A county average hides the spread. Across the Clay County ZIPs DLRadar ranks, scores run from 25/100 in 76261 down to 13/100 in 76389, against a Clay County average of 21/100. That 12-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 $171,533 of value against a median household income near $75,835. Vacancy across Clay County's tracked ZIPs runs 20.3% and the poverty rate is 9.8%. Stretched affordability and standing vacancy are what turn a missed payment into a listing, which is why DLRadar reads them alongside Clay County's foreclosure and tax-lien filings and its 0/100 lending headwind.
Related
Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.