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

Clay County, IA, Iowa: 17 ZIP codes scored, Clay County, IA averaging 22/100 (low, Clay, IA), from 19 to 27. Clay County, IA is in its peak phase (Clay, IA confidence 21/100): Clay, IA home prices up 2.7% (Clay, IA) over twelve months. Clay County, IA lender headwind: 58/100.

Highest-scoring Clay County, IA ZIPs: 51364 (27/100), 50585 (25/100), 51033 (25/100), 51058 (25/100), 51338 (25/100), 51346 (25/100). Also scored in Clay County, IA: 50565, 51047, 50515, 51301, 51333, 51340, 51341, 51343, 51357, 51366.

Across Clay County, IA's scored ZIPs: median home value $127,700, household income $64,265, 16.0% vacancy, 7.3% poverty, 85% owner-occupied, median age 43.7.

Clay County, IA insurance distress 70/100 (#636 in the US); FEMA hazard 52/100 for Clay, IA; 4 federal disaster declarations in Clay County, IA since 2023; 59 Clay, IA NFIP flood claims, $5.4M paid; Clay, IA construction distress 21/100.

7 banks with 11 branches lend in Clay County, IA; Clay, IA weighted bank stress 70/100, highest 81/100 in Clay, IA.

Clay County, IA unemployment 3.0% (Clay, IA -0.1 pts, six months); 53 new housing units permitted in Clay County, IA over twelve months, Clay, IA up 104% from 26; Clay, IA home prices +6.0% a year (Clay, IA) over three years.

8,157 housing units in Clay County, IA; 1,979 Clay, IA renter households; 32% of Clay, IA renters spend 30%+ of income on rent, 16% (Clay, IA) half or more.

Clay County, IA ranks #2,345 nationally on the opportunity index (Clay, IA, among all ranked counties); Clay, IA scores 26.5/100 and Clay, IA sits #61 inside Iowa. Clay, IA is in the weak opportunity phase; Clay, IA's primary driver is bank institutional, Clay, IA second driver vacancy; Clay, IA moved down 198 places. 117 days on market observed in Clay, IA; 10.5% vacancy over 17 Clay, IA ZIPs.

No CFPB county sample covers Clay County, IA. The non-metro area reading for Clay, IA: 0.7% ninety-plus days late; Clay, IA's thirty-to-eighty-nine share is 2.1% (Clay, IA, December 2025 data); Iowa overall 0.9%.

Clay County, IA has 6 watched banks; 6 Clay, IA banks sit in an elevated band. Clay, IA footprints: State Bank (3 branches, stress 81) in Clay, IA; Community State Bank (2 branches, stress 68) in Clay, IA; Northwest Bank (2 branches, stress 64) in Clay, IA.

HUD lists 1 assisted multifamily property in Clay County, IA with 12 units; 12 Clay, IA units are assisted.

875 of the 8,157 housing units in Clay, IA sit vacant. Clay County, IA permitted 37 multifamily units in twelve months; Clay, IA's one-to-four unit structures added 16 units in Clay County, IA.