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

Clay County, IL, Illinois: 13 ZIP codes scored, Clay County, IL averaging 8/100 (minimal, Clay, IL), from 5 to 22. Clay County, IL is in its expansion phase (Clay, IL confidence 34/100): Clay, IL home prices up 5.3% (Clay, IL) over twelve months. Clay County, IL lender headwind: 81/100.

Highest-scoring Clay County, IL ZIPs: 62854 (22/100), 62424 (9/100), 62443 (9/100), 62899 (9/100), 62426 (8/100), 62838 (8/100). Also scored in Clay County, IL: 62824, 62858, 62868, 62434, 62839, 62879, 62448.

Across Clay County, IL's scored ZIPs: median home value $128,631, household income $63,234, 12.4% vacancy, 13.6% poverty, 85% owner-occupied, median age 43.6.

Clay County, IL insurance distress 0/100 (#2,614 in the US); FEMA hazard 0/100 for Clay, IL; Clay, IL construction distress 2/100.

5 banks with 9 branches lend in Clay County, IL; Clay, IL weighted bank stress 67/100, highest 83/100 in Clay, IL.

Clay County, IL unemployment 3.6% (Clay, IL -2.2 pts, six months); 4 new housing units permitted in Clay County, IL over twelve months, Clay, IL up 300% from 1; Clay, IL home prices +6.3% a year (Clay, IL) over three years.

6,165 housing units in Clay County, IL; 1,048 Clay, IL renter households; 21% of Clay, IL renters spend 30%+ of income on rent, 11% (Clay, IL) half or more.

Clay County, IL ranks #1,624 nationally on the opportunity index (Clay, IL, among all ranked counties); Clay, IL scores 29.0/100 and Clay, IL sits #34 inside Illinois. Clay, IL is in the early_signal opportunity phase; Clay, IL's primary driver is bank institutional, Clay, IL second driver vacancy; Clay, IL moved up 794 places. 6 short-sale listings across Clay, IL; 98 days on market observed in Clay, IL; 10.4% vacancy over 13 Clay, IL ZIPs.

No CFPB county sample covers Clay County, IL. The non-metro area reading for Clay, IL: 1.4% ninety-plus days late; Clay, IL's thirty-to-eighty-nine share is 2.8% (Clay, IL, December 2025 data); Illinois overall 1.1%.

Clay County, IL has 5 watched banks; 5 Clay, IL banks sit in an elevated band. Clay, IL footprints: Clay City Banking Co (3 branches, stress 65) in Clay, IL; Flora Bank&Trust (2 branches, stress 83) in Clay, IL; First Cmty Bank Xenia-Flora (2 branches, stress 55) in Clay, IL.

854 of the 6,165 housing units in Clay, IL sit vacant. Clay County, IL permitted 0 multifamily units in twelve months; Clay, IL's one-to-four unit structures added 4 units in Clay County, IL.