Clay County, AL: Foreclosures, Tax Liens & Distressed Properties

Clay County, AL, Alabama: 12 ZIP codes scored, Clay County, AL averaging 22/100 (low, Clay, AL), from 17 to 31. Clay County, AL is in its expansion phase (Clay, AL confidence 34/100): Clay, AL home prices up 5.0% (Clay, AL) over twelve months. Clay County, AL lender headwind: 76/100.

Highest-scoring Clay County, AL ZIPs: 35150 (31/100), 36268 (30/100), 35160 (28/100), 36266 (22/100), 35082 (21/100), 36251 (21/100). Also scored in Clay County, AL: 36256, 36267, 36255, 36258, 36276, 35072.

Across Clay County, AL's scored ZIPs: median home value $144,380, household income $49,220, 15.2% vacancy, 16.7% poverty, 80% owner-occupied, median age 39.9.

Clay County, AL insurance distress 37/100 (#1,363 in the US); FEMA hazard 73/100 for Clay, AL; 2 federal disaster declarations in Clay County, AL since 2023 (2 hurricane); Clay, AL construction distress 83/100.

3 banks with 4 branches lend in Clay County, AL; Clay, AL weighted bank stress 76/100, highest 86/100 in Clay, AL.

Clay County, AL unemployment 4.2% (Clay, AL +0.8 pts, six months); 6 new housing units permitted in Clay County, AL over twelve months, Clay, AL down 45% from 11; Clay, AL home prices +16.1% a year (Clay, AL) over three years.

7,106 housing units in Clay County, AL; 1,286 Clay, AL renter households; 32% of Clay, AL renters spend 30%+ of income on rent, 9% (Clay, AL) half or more.

Clay County, AL ranks #620 nationally on the opportunity index (Clay, AL, among all ranked counties); Clay, AL scores 32.8/100 and Clay, AL sits #24 inside Alabama. Clay, AL is in the overheated opportunity phase; Clay, AL's primary driver is vacancy, Clay, AL second driver construction; Clay, AL moved down 452 places. 7 short-sale listings across Clay, AL; 33 days on market observed in Clay, AL; 18.6% vacancy over 12 Clay, AL ZIPs.

No CFPB county sample covers Clay County, AL. The non-metro area reading for Clay, AL: 1.6% ninety-plus days late; Clay, AL's thirty-to-eighty-nine share is 4.7% (Clay, AL, December 2025 data); Alabama overall 1.1%.

Clay County, AL has 2 watched banks; 2 Clay, AL banks sit in an elevated band. Clay, AL footprints: Firststate Bank (2 branches, stress 86) in Clay, AL; First Bank Of Alabama (1 branch, stress 71) in Clay, AL.

1,286 of the 7,106 housing units in Clay, AL sit vacant. Clay County, AL permitted 0 multifamily units in twelve months; Clay, AL's one-to-four unit structures added 6 units in Clay County, AL.