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

Clay County, IN, Indiana: 18 ZIP codes scored, Clay County, IN averaging 21/100 (low, Clay, IN), from 14 to 23. Clay County, IN is in its expansion phase (Clay, IN confidence 41/100): Clay, IN home prices up 6.4% (Clay, IN) over twelve months. Clay County, IN lender headwind: 73/100.

Highest-scoring Clay County, IN ZIPs: 47427 (23/100), 47438 (23/100), 47840 (23/100), 47868 (23/100), 46171 (22/100), 47833 (22/100). Also scored in Clay County, IN: 47841, 47845, 47846, 47853, 47857, 47881, 47802, 47834, 47837, 47874.

Across Clay County, IN's scored ZIPs: median home value $150,988, household income $61,749, 16.7% vacancy, 12.5% poverty, 80% owner-occupied, median age 41.9.

Clay County, IN insurance distress 60/100 (#903 in the US); FEMA hazard 52/100 for Clay, IN; 4 federal disaster declarations in Clay County, IN since 2023 (2 flood); 3 Clay, IN NFIP flood claims, $70K paid; Clay, IN construction distress 66/100.

4 banks with 9 branches lend in Clay County, IN; Clay, IN weighted bank stress 69/100, highest 97/100 in Clay, IN.

Clay County, IN unemployment 3.3% (Clay, IN -0.5 pts, six months); 19 new housing units permitted in Clay County, IN over twelve months, Clay, IN down 21% from 24; Clay, IN home prices +13.5% a year (Clay, IN) over three years.

11,645 housing units in Clay County, IN; 2,376 Clay, IN renter households; 29% of Clay, IN renters spend 30%+ of income on rent, 11% (Clay, IN) half or more.

Clay County, IN ranks #560 nationally on the opportunity index (Clay, IN, among all ranked counties); Clay, IN scores 33.1/100 and Clay, IN sits #10 inside Indiana. Clay, IN is in the peak_opportunity opportunity phase; Clay, IN's primary driver is bank institutional, Clay, IN second driver construction; Clay, IN moved up 402 places. 8 short-sale listings across Clay, IN; 67 days on market observed in Clay, IN; 10.4% vacancy over 18 Clay, IN ZIPs.

No CFPB county sample covers Clay County, IN. The metro area reading for Clay, IN (Terre Haute, IN): 1.1% ninety-plus days late; Clay, IN's thirty-to-eighty-nine share is 2.8% (Clay, IN, December 2025 data); Indiana overall 1.0%.

Clay County, IN has 4 watched banks; 4 Clay, IN banks sit in an elevated band. Clay, IN footprints: Riddell National Bank (3 branches, stress 77) in Clay, IN; First Financial Bank Na (3 branches, stress 59) in Clay, IN; First Farmers Bank&Trust Co (2 branches, stress 58) in Clay, IN.

1,096 of the 11,645 housing units in Clay, IN sit vacant. Clay County, IN permitted 0 multifamily units in twelve months; Clay, IN's one-to-four unit structures added 19 units in Clay County, IN.