Clayton County, IA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Clayton County, Iowa? DLRadar grades every Clayton County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 23/100. Here is the 2026 Clayton County breakdown.
- Clayton County's most distressed ZIP is 52073 at 23/100.
- 24 ZIP codes tracked in Clayton County, averaging 15/100 distress.
- Clayton County reads peak — home values up 2.5% year over year.
- Vacancy runs 12.9% across Clayton County's tracked ZIPs, with a 13.8% poverty rate.
- The typical Clayton County home is worth about $160,022 against a ~$66,472 median income.
- Lending headwind in Clayton County sits at 75/100 — a forward read on distressed supply.
Figures: DLRadar distress index, rebuilt monthly from public filings. Free to reuse with attribution to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 52073 | 23/100 |
| 2 | 52053 | 22/100 |
| 3 | 52050 | 17/100 |
| 4 | 52035 | 16/100 |
| 5 | 52052 | 16/100 |
| 6 | 52042 | 15/100 |
| 7 | 52043 | 15/100 |
| 8 | 52044 | 15/100 |
| 9 | 52047 | 15/100 |
| 10 | 52048 | 15/100 |
| 11 | 52049 | 15/100 |
| 12 | 52066 | 15/100 |
Most distressed ZIP codes in Clayton County (composite distress 0-100, 2026)
What is driving Clayton County distress
Nothing here is estimated: Clayton County is scored from filings alone, and its ZIPs average 15/100 composite distress. The inputs are FHFA house prices, CFPB delinquency, county recorder foreclosure and lien records, FEMA and NFIP claims, and Census ACS.
Clayton County market phase and pricing
The cycle in Clayton County is peak, with values up 2.5% year over year. Softening prices lengthen time-on-market, which is where negotiable sellers appear.
See the distressed properties behind the data in Clayton County
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What people ask
What is the most distressed ZIP code in Clayton County, IA?
ZIP 52073 leads Clayton County at 23/100, recomputed monthly from public records.
Where is Clayton County in the housing cycle?
Phase for Clayton County: peak, tracking a 2.5% gain year over year, read off the FHFA index.
Which datasets feed the Clayton County scores?
Public records only: FHFA for prices, CFPB for mortgage performance, the county recorder for filings, FEMA/NFIP for flood, Census ACS for demographics. The 24 Clayton County ZIP codes are scored exactly as every other county is, which is what makes cross-market comparison valid.
How much do distress scores vary between Clayton County ZIP codes?
A county average hides the spread. Across the Clayton County ZIPs DLRadar ranks, scores run from 23/100 in 52073 down to 15/100 in 52066, against a Clayton County average of 15/100. A spread of 8 points means Clayton County has to be worked ZIP by ZIP.
What do Clayton County home values and vacancy say about distressed supply?
The typical Clayton County home carries about $160,022 of value against a median household income near $66,472. Vacancy across Clayton County's tracked ZIPs runs 12.9% and the poverty rate is 13.8%. Vacancy and strained affordability are the conditions that make arrears become supply, read here against Clayton County's foreclosure and tax-lien filings and its 75/100 lending headwind.
Related
Scores are computed, not advised: public records, fixed formulas, monthly refresh. Not investment, legal or financial advice.