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

Clay County, Indiana sits inside DLRadar's nationwide distress index, built entirely from public records. 18 ZIP codes are tracked county-wide, averaging 20/100 distress. County-level credit and bank headwind reads 73/100 — elevated, a sign of lender stress locally. Individual Clay County ZIPs score between 14 and 24 on the 0–100 composite.

In its expansion phase, Clay County home prices rose 6.4% across the last year, a 41/100-confidence read. Under a rising market, a subset takes on water even as the headline looks strong.

At +6.4% YoY (41/100 confidence), distress still hides in specific ZIPs — and a rising tide cleans up those exits. An elevated 73/100 reading is a buyer tailwind: short sales and foreclosures accelerate.

The most-distressed ZIP codes in Clay County are 47427 (24/100), 47868 (23/100), 47833 (22/100), 47438 (21/100), 47802 (21/100), 47840 (20/100), each with its own full DLRadar report. Also scored across the county: 47841, 47845, 47846, 47853, 47857, 47881, 47834, 47837, 47874, 47858.

By the numbers, the Clay County ZIPs on file come in at residents with a median age around 41.9, a median household income near $61,749 (below the US norm), median home values around $150,988 (below the national figure), a 12.5% poverty rate, 80% of homes owner-occupied, vacancy near 16.7%. These fundamentals frame the volume of pressured sellers and the exit liquidity behind them.

With a low 20/100 reading over 18 ZIPs, Clay County is a screen-by-ZIP market and not a county-wide play. Inside DLRadar, each Clay County property carries owner, mailing address, APN, a distress score and bank-exposure read.

The distress read for Clay County, Indiana is refreshed as new public records post and uses the same methodology coast to coast, so Clay County stays directly comparable to any other market you track.

Scores in Clay County, Indiana exist to concentrate effort: a handful of ZIPs hold most of the distress, and the rest seldom justify the acquisition cost. The Clay County scoring is reproducible from public sources alone, and DLRadar declines to estimate where the underlying record is incomplete.

At the ZIP level, the sharpest readings in Clay County are 47427 (24/100), 47868 (23/100), 47833 (22/100), 47438 (21/100), 47802 (21/100), 47840 (20/100). DLRadar also scores 47841, 47845, 47846, 47853, 47857, 47881, 47834, 47837 and more across the county. Each code carries its own composite built from that ZIP's foreclosure, mortgage, tax-lien and lender signals, so two neighboring ZIPs can diverge sharply even inside one county.

Under Clay County's headline composite sit distinct layers — recorded foreclosures, tax and lien delinquency, mortgage stress and bank headwind — each scored separately before they roll up, so the same total can describe very different markets.