Clay County, GA: Foreclosures, Tax Liens & Distressed Properties
Clay County, GA, Georgia: 6 ZIP codes scored, Clay County, GA averaging 14/100 (minimal, Clay, GA), from 10 to 20. Clay County, GA is in its peak phase (Clay, GA confidence 32/100): Clay, GA home prices up 2.5% (Clay, GA) over twelve months. Clay County, GA lender headwind: 0/100.
Highest-scoring Clay County, GA ZIPs: 39846 (20/100), 39824 (16/100), 39836 (16/100), 39851 (12/100), 39854 (10/100), 39867 (10/100).
Across Clay County, GA's scored ZIPs: median home value $81,680, household income $42,526, 39.5% vacancy, 16.8% poverty, 72% owner-occupied, median age 51.7.
Clay County, GA insurance distress 46/100 (#1,190 in the US); FEMA hazard 90/100 for Clay, GA; 6 federal disaster declarations in Clay County, GA since 2023; Clay, GA construction distress 27/100.
2 banks with 2 branches lend in Clay County, GA; Clay, GA weighted bank stress 39/100, highest 57/100 in Clay, GA.
Clay County, GA unemployment 5.9% (Clay, GA -0.3 pts, six months); 4 new housing units permitted in Clay County, GA over twelve months, Clay, GA up 33% from 3.
1,981 housing units in Clay County, GA; 272 Clay, GA renter households; 29% of Clay, GA renters spend 30%+ of income on rent, 5% (Clay, GA) half or more.
Clay County, GA ranks #1,146 nationally on the opportunity index (Clay, GA, among all ranked counties); Clay, GA scores 30.7/100 and Clay, GA sits #81 inside Georgia. Clay, GA is in the early_signal opportunity phase; Clay, GA's primary driver is vacancy, Clay, GA second driver bank institutional; Clay, GA moved up 301 places. 35.6% vacancy over 6 Clay, GA ZIPs.
No CFPB county sample covers Clay County, GA. The non-metro area reading for Clay, GA: 1.3% ninety-plus days late; Clay, GA's thirty-to-eighty-nine share is 3.0% (Clay, GA, December 2025 data); Georgia overall 1.3%.
Clay County, GA has 1 watched bank; 1 Clay, GA bank sits in an elevated band. Clay, GA footprints: First State Bank Of Blakely (1 branch, stress 21) in Clay, GA.
750 of the 1,981 housing units in Clay, GA sit vacant. Clay County, GA permitted 0 multifamily units in twelve months; Clay, GA's one-to-four unit structures added 4 units in Clay County, GA.