Clay County, WV Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Clay County, West Virginia? DLRadar grades every Clay County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 34/100. Here is the 2026 Clay County breakdown.
- Clay County's most distressed ZIP is 25045 at 34/100.
- 16 ZIP codes tracked in Clay County, averaging 18/100 distress.
- Clay County reads expansion — home values up 9.2% year over year.
- Vacancy runs 20.5% across Clay County's tracked ZIPs, with a 22.9% poverty rate.
- The typical Clay County home is worth about $117,873 against a ~$49,154 median income.
- Lending headwind in Clay County sits at 28/100 — a forward read on distressed supply.
Source data is DLRadar's monthly public-record index. Citation welcome, with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 25045 | 34/100 |
| 2 | 25164 | 19/100 |
| 3 | 25043 | 18/100 |
| 4 | 25125 | 18/100 |
| 5 | 25019 | 17/100 |
| 6 | 25030 | 17/100 |
| 7 | 25088 | 17/100 |
| 8 | 25111 | 17/100 |
| 9 | 25113 | 17/100 |
| 10 | 25133 | 17/100 |
| 11 | 25141 | 17/100 |
| 12 | 25211 | 17/100 |
Most distressed ZIP codes in Clay County (composite distress 0-100, 2026)
What is driving Clay County distress
Nothing here is estimated: Clay County is scored from filings alone, and its ZIPs average 18/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Clay County market phase and pricing
Clay County currently sits in expansion after a 9.2% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Clay County
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Questions and answers
Where is distress highest inside Clay County, WV?
ZIP 25045 leads Clay County at 34/100, recomputed monthly from public records.
What market phase is Clay County in?
Phase for Clay County: expansion, tracking a 9.2% gain year over year, read off the FHFA index.
What is this Clay County analysis built from?
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 16 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 34/100 in 25045 down to 17/100 in 25211, against a Clay County average of 18/100. A spread of 17 points means Clay County has to be worked ZIP by ZIP.
What do Clay County home values and vacancy say about distressed supply?
The typical Clay County home carries about $117,873 of value against a median household income near $49,154. Vacancy across Clay County's tracked ZIPs runs 20.5% and the poverty rate is 22.9%. 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 28/100 lending headwind.
Related
Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.