Clay County, KY: Foreclosures, Tax Liens & Distressed Properties
Clay County, KY, Kentucky: 10 ZIP codes scored, Clay County, KY averaging 25/100 (low, Clay, KY), from 16 to 34. Clay County, KY is in its peak phase (Clay, KY confidence 22/100): Clay, KY home prices up 4.4% (Clay, KY) over twelve months. Clay County, KY lender headwind: 87/100.
Highest-scoring Clay County, KY ZIPs: 40741 (34/100), 40744 (34/100), 40962 (34/100), 40913 (27/100), 40941 (24/100), 40972 (23/100). Also scored in Clay County, KY: 40914, 40486, 40874, 40983.
Across Clay County, KY's scored ZIPs: median home value $114,900, household income $55,602, 17.1% vacancy, 28.9% poverty, 71% owner-occupied, median age 39.6.
Clay County, KY insurance distress 82/100 (#291 in the US); FEMA hazard 90/100 for Clay, KY; 18 federal disaster declarations in Clay County, KY since 2023; 3 Clay, KY NFIP flood claims, $72K paid; Clay, KY construction distress 25/100.
2 banks with 4 branches lend in Clay County, KY; Clay, KY weighted bank stress 69/100, highest 71/100 in Clay, KY.
Clay County, KY unemployment 5.6% (Clay, KY -0.4 pts, six months).
8,664 housing units in Clay County, KY; 1,611 Clay, KY renter households; 42% of Clay, KY renters spend 30%+ of income on rent, 25% (Clay, KY) half or more.
Clay County, KY ranks #20 nationally on the opportunity index (Clay, KY, among all ranked counties); Clay, KY scores 40.6/100 and Clay, KY sits #4 inside Kentucky. Clay, KY is in the strong_buy opportunity phase; Clay, KY's primary driver is construction, Clay, KY second driver vacancy; Clay, KY moved down 1 places. 8 short-sale listings across Clay, KY; 93 days on market observed in Clay, KY; 16.0% vacancy over 10 Clay, KY ZIPs.
No CFPB county sample covers Clay County, KY. The non-metro area reading for Clay, KY: 1.1% ninety-plus days late; Clay, KY's thirty-to-eighty-nine share is 3.0% (Clay, KY, December 2025 data); Kentucky overall 1.0%.
Clay County, KY has 1 watched bank; 1 Clay, KY bank sits in an elevated band. Clay, KY footprints: First Nb Of Manchester (3 branches, stress 71) in Clay, KY.
HUD lists 1 assisted multifamily property in Clay County, KY with 78 units; 78 Clay, KY units are assisted, 1 Clay, KY properties under project-based Section 8.
1,376 of the 8,664 housing units in Clay, KY sit vacant.