Clayton County, IA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Clayton County, IA distress report, 2026: 24 ZIPs scored in Clayton, IA, Clayton, IA average 14/100; the top Clayton, IA ZIP is 52073 at 21/100; Clayton, IA market phase peak, Clayton, IA prices +2.5% year over year.
- Clayton, IA ranks #2,521 nationally (opportunity index); Clayton, IA #66 in Iowa; Clayton, IA index 25.8.
- Clayton, IA: no CFPB county sample; Clayton, IA non-metro area reading 0.7%.
- Clayton, IA ZIP phases: 23 peak, 1 neutral.
- Clayton, IA residential listings tracked: 8 across 15 ZIPs; Clayton, IA candidate listings 6.
- Clayton, IA HUD assisted properties: 1 with 11 units.
- Clayton, IA lenders on watch: 7; largest Clayton, IA footprint Central State Bank (3 branches).
- Clayton, IA most distressed ZIP: 52073 at 21/100.
Clayton, IA figures: DLRadar distress index; Clayton, IA inputs: CFPB, FHFA, HUD, FDIC; Clayton, IA rebuilt as sources refresh.
| Rank | Clayton, IA ZIP | Score |
|---|---|---|
| 1 | 52073 | 21/100 |
| 2 | 52053 | 20/100 |
| 3 | 52050 | 19/100 |
| 4 | 52035 | 16/100 |
| 5 | 52042 | 15/100 |
| 6 | 52076 | 15/100 |
| 7 | 52043 | 14/100 |
| 8 | 52044 | 14/100 |
| 9 | 52047 | 14/100 |
| 10 | 52048 | 14/100 |
| 11 | 52049 | 14/100 |
| 12 | 52052 | 14/100 |
Most distressed Clayton, IA ZIPs (0-100, 2026)
Mortgage delinquency around Clayton, IA
No CFPB county sample covers Clayton, IA; the non-metro area reading for Clayton, IA: 0.7% ninety-plus; Clayton, IA area thirty-to-eighty-nine 2.1% (December 2025, Clayton, IA); Iowa overall 0.9%.
Opportunity index: Clayton, IA
Clayton, IA index 25.8, Clayton, IA phase weak; Clayton, IA primary driver vacancy, Clayton, IA second driver bank institutional. Clayton, IA components: property stress 14.1, foreclosure pressure 13.9, listing discounts 19.9, bank stress 64.8, insurance 0.0; Clayton, IA pulse 31.2; Clayton, IA capital opportunity 17.8; Clayton, IA seven-day change +0.1%.
ZIP market phases inside Clayton, IA
24 Clayton, IA ZIPs carry a price-cycle phase; Clayton, IA ZIPs by phase (Clayton, IA), deepest drawdown first: peak, +2.5% YoY (Clayton, IA): 50606, 52035, 52042, 52043, Clayton, IA 52044, 52047, 52048, 52049, Clayton, IA 52050, 52066, 52072, 52076, Clayton, IA 52077; peak, +2.7% YoY (Clayton, IA): 52052; peak, +4.3% YoY (Clayton, IA): 52053; neutral, +4.6% YoY (Clayton, IA): 52073.
Residential listings by Clayton, IA ZIP
Clayton, IA ZIPs with the most tracked Clayton, IA residential listings: 52076 3 listings, 2 candidates, bank pressure 64; 52049 2 listings, 2 candidates, bank pressure 68; 52052 2 listings, 2 candidates, bank pressure 67; 52156 1 listings, 0 candidates, bank pressure 62 (Clayton, IA); 52035 0 listings, 0 candidates, bank pressure 66; 52042 0 listings, 0 candidates, bank pressure 66; 52043 0 listings, 0 candidates, bank pressure 68; 52044 0 listings, 0 candidates, bank pressure 68. Clayton, IA totals: 8 listings; Clayton, IA candidates 6; active ZIPs 2.
HUD assisted housing in Clayton, IA
1 assisted properties with 11 units sit in Clayton, IA; largest Clayton, IA properties: R.I.S.E. Group Home (Elkader) 11 units, 10 assisted.
Lenders with branches in Clayton, IA
Clayton, IA lenders by branch count: Central State Bank (Clayton, IA): stress 56, 3 branches low in Clayton, IA; Farmers Savings Bank (Clayton, IA): stress 75, 2 branches low in Clayton, IA; Community Savings Bank (Clayton, IA): stress 74, 2 branches low in Clayton, IA; Freedombank (Clayton, IA): stress 62, 2 branches moderate in Clayton, IA; Citizens State Bank (Clayton, IA): stress 78, 1 branch low in Clayton, IA; Luana Savings Bank (Clayton, IA): stress 74, 1 branch low in Clayton, IA; Fidelity Bank&Trust (Clayton, IA): stress 63, 1 branch low in Clayton, IA.
Vacancy and permits, Clayton, IA
1,287 of 8,796 Clayton, IA housing units are vacant; Clayton, IA permits, twelve months: 0 multifamily units in Clayton, IA, 56 one-to-four unit units.
Work Clayton, IA at the parcel level
Every Clayton, IA parcel carries owner and address; every Clayton, IA parcel carries APN; Clayton, IA distress scores sit on the Clayton, IA live board.
Clayton, IA figures refresh with each source.
Clayton, IA questions
Most distressed ZIP code in Clayton County, IA?
ZIP 52073 leads Clayton, IA at 21/100; next in Clayton, IA: 52053 at 20/100; the Clayton, IA average is 14/100.
Where does Clayton County, IA rank for investment opportunity?
Clayton, IA is #2,521 among all ranked counties, #66 in Iowa; the Clayton, IA driver is vacancy; Clayton, IA moved down 491 places.
How many mortgages are delinquent in Clayton County, IA?
Clayton, IA takes the non-metro area reading of 0.7% for December 2025; no CFPB county sample covers Clayton, IA.
Which banks lend in Clayton County, IA?
7 watched lenders hold Clayton, IA branches; the largest Clayton, IA footprints are Central State Bank (3), Farmers Savings Bank (2), Community Savings Bank (2).
More on Clayton, IA
Clayton County, IA distress report: public-record figures for Clayton, IA; not legal advice for Clayton, IA; not tax or investment advice; verify every Clayton, IA record before acting.