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

Clay County, AR, Arkansas: 13 ZIP codes scored, Clay County, AR averaging 25/100 (low, Clay, AR), from 24 to 32. Clay County, AR is in its peak phase (Clay, AR confidence 24/100): Clay, AR home prices up 3.3% (Clay, AR) over twelve months. Clay County, AR lender headwind: 22/100.

Highest-scoring Clay County, AR ZIPs: 72413 (32/100), 72436 (29/100), 72461 (27/100), 72422 (24/100), 72424 (24/100), 72430 (24/100). Also scored in Clay County, AR: 72435, 72441, 72453, 72454, 72456, 72464, 72470.

Across Clay County, AR's scored ZIPs: median home value $96,689, household income $51,721, 21.8% vacancy, 20.4% poverty, 79% owner-occupied, median age 46.1.

Clay County, AR insurance distress 72/100 (#577 in the US); FEMA hazard 72/100 for Clay, AR; 9 federal disaster declarations in Clay County, AR since 2023 (3 flood); 6 Clay, AR NFIP flood claims, $76K paid; Clay, AR construction distress 33/100.

4 banks with 7 branches lend in Clay County, AR; Clay, AR weighted bank stress 51/100, highest 61/100 in Clay, AR.

Clay County, AR unemployment 3.8% (Clay, AR -0.9 pts, six months); 6 new housing units permitted in Clay County, AR over twelve months, Clay, AR up 20% from 5; Clay, AR home prices +11.2% a year (Clay, AR) over three years.

7,492 housing units in Clay County, AR; 1,745 Clay, AR renter households; 29% of Clay, AR renters spend 30%+ of income on rent, 13% (Clay, AR) half or more.

Clay County, AR ranks #490 nationally on the opportunity index (Clay, AR, among all ranked counties); Clay, AR scores 33.5/100 and Clay, AR sits #27 inside Arkansas. Clay, AR is in the peak_opportunity opportunity phase; Clay, AR's primary driver is vacancy, Clay, AR second driver bank institutional; Clay, AR moved up 622 places. 4 short-sale listings across Clay, AR; 89 days on market observed in Clay, AR; 18.6% vacancy over 13 Clay, AR ZIPs.

No CFPB county sample covers Clay County, AR. The non-metro area reading for Clay, AR: 1.5% ninety-plus days late; Clay, AR's thirty-to-eighty-nine share is 3.0% (Clay, AR, December 2025 data); Arkansas overall 1.3%.

Clay County, AR has 4 watched banks; 4 Clay, AR banks sit in an elevated band. Clay, AR footprints: Fm Bank&Trust (3 branches, stress 51) in Clay, AR; First National Bank (2 branches, stress 61) in Clay, AR; Riverbank (1 branch, stress 61) in Clay, AR.

HUD lists 4 assisted multifamily properties in Clay County, AR with 60 units; 59 Clay, AR units are assisted, 2 Clay, AR properties under project-based Section 8.

1,471 of the 7,492 housing units in Clay, AR sit vacant. Clay County, AR permitted 0 multifamily units in twelve months; Clay, AR's one-to-four unit structures added 6 units in Clay County, AR.