Clay County, WV Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Clay County, WV distress report, 2026: 16 ZIPs scored in Clay, WV, Clay, WV average 16/100; the top Clay, WV ZIP is 25045 at 34/100; Clay, WV market phase expansion, Clay, WV prices +9.2% year over year.
- Clay, WV ranks #2,300 nationally (opportunity index); Clay, WV #45 in West Virginia; Clay, WV index 26.7.
- Clay, WV: no CFPB county sample; Clay, WV metro area reading 2.1%.
- Clay, WV ZIP phases: 16 expansion.
- Clay, WV residential listings tracked: 1 across 12 ZIPs; Clay, WV candidate listings 0.
- Clay, WV lenders on watch: 1; largest Clay, WV footprint Clay County Bank Inc (2 branches).
- Clay, WV most distressed ZIP: 25045 at 34/100.
Clay, WV figures: DLRadar distress index; Clay, WV inputs: CFPB, FHFA, HUD, FDIC; Clay, WV rebuilt as sources refresh.
| Rank | Clay, WV ZIP | Score |
|---|---|---|
| 1 | 25045 | 34/100 |
| 2 | 25164 | 18/100 |
| 3 | 25043 | 16/100 |
| 4 | 25125 | 16/100 |
| 5 | 25019 | 15/100 |
| 6 | 25030 | 15/100 |
| 7 | 25088 | 15/100 |
| 8 | 25111 | 15/100 |
| 9 | 25113 | 15/100 |
| 10 | 25133 | 15/100 |
| 11 | 25141 | 15/100 |
| 12 | 25211 | 15/100 |
Most distressed Clay, WV ZIPs (0-100, 2026)
Mortgage delinquency around Clay, WV
No CFPB county sample covers Clay, WV; the metro area reading for Clay, WV (Charleston, WV): 2.1% ninety-plus; Clay, WV area thirty-to-eighty-nine 4.4% (December 2025, Clay, WV); West Virginia overall 1.1%.
Opportunity index: Clay, WV
Clay, WV index 26.7, Clay, WV phase weak; Clay, WV primary driver vacancy, Clay, WV second driver construction. Clay, WV components: property stress 24.8, foreclosure pressure 20.4, listing discounts 1.8, bank stress 34.1, insurance 0.0; Clay, WV pulse 31.9; Clay, WV capital opportunity 18.9; Clay, WV seven-day change -0.3%.
ZIP market phases inside Clay, WV
16 Clay, WV ZIPs carry a price-cycle phase; Clay, WV ZIPs by phase (Clay, WV), deepest drawdown first: expansion, +9.2% YoY (Clay, WV): 25019, 25030, 25088, 25113, Clay, WV 25133, 25141, 25211, 25285; expansion, +9.1% YoY (Clay, WV): 25043, 25125; expansion, +9.0% YoY (Clay, WV): 25045; expansion, +8.5% YoY (Clay, WV): 25063; expansion, +8.7% YoY (Clay, WV): 25111; expansion, +8.8% YoY (Clay, WV): 25164; expansion, +8.1% YoY (Clay, WV): 25235; expansion, +8.2% YoY (Clay, WV): 26617.
Residential listings by Clay, WV ZIP
Clay, WV ZIPs with the most tracked Clay, WV residential listings: 25113 1 listings, 0 candidates, bank pressure 53; 25019 0 listings, 0 candidates, bank pressure 53; 25030 0 listings, 0 candidates, bank pressure 53; 25043 0 listings, 0 candidates, bank pressure 51 (Clay, WV); 25088 0 listings, 0 candidates, bank pressure 53; 25111 0 listings, 0 candidates, bank pressure 51; 25125 0 listings, 0 candidates, bank pressure 51; 25133 0 listings, 0 candidates, bank pressure 53. Clay, WV totals: 1 listings; Clay, WV candidates 0; active ZIPs 1.
Lenders with branches in Clay, WV
Clay, WV lenders by branch count: Clay County Bank Inc (Clay, WV): stress 51, 2 branches low in Clay, WV.
Vacancy and permits, Clay, WV
989 of 3,961 Clay, WV housing units are vacant; Clay, WV permits, twelve months: 0 multifamily units in Clay, WV, 6 one-to-four unit units.
Work Clay, WV at the parcel level
Every Clay, WV parcel carries owner and address; every Clay, WV parcel carries APN; Clay, WV distress scores sit on the Clay, WV live board.
Clay, WV figures refresh with each source.
Clay, WV questions
Most distressed ZIP code in Clay County, WV?
ZIP 25045 leads Clay, WV at 34/100; next in Clay, WV: 25164 at 18/100; the Clay, WV average is 16/100.
Where does Clay County, WV rank for investment opportunity?
Clay, WV is #2,300 among all ranked counties, #45 in West Virginia; the Clay, WV driver is vacancy; Clay, WV moved down 442 places.
How many mortgages are delinquent in Clay County, WV?
Clay, WV takes the metro area reading of 2.1% for December 2025; no CFPB county sample covers Clay, WV.
Which banks lend in Clay County, WV?
1 watched lenders hold Clay, WV branches; the largest Clay, WV footprints are Clay County Bank Inc (2).
More on Clay, WV
Clay County, WV distress report: public-record figures for Clay, WV; not legal advice for Clay, WV; not tax or investment advice; verify every Clay, WV record before acting.