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

Clay County, MN, Minnesota: 17 ZIP codes scored, Clay County, MN averaging 16/100 (low, Clay, MN), from 10 to 18. Clay County, MN is in its peak phase (Clay, MN confidence 29/100): Clay, MN home prices up 4.1% (Clay, MN) over twelve months. Clay County, MN lender headwind: 71/100.

Highest-scoring Clay County, MN ZIPs: 56525 (18/100), 56529 (18/100), 56536 (18/100), 56546 (18/100), 56547 (18/100), 56549 (18/100). Also scored in Clay County, MN: 56562, 56563, 56572, 56580, 56560, 56552, 56585, 56514, 56519, 56554.

Across Clay County, MN's scored ZIPs: median home value $263,021, household income $78,282, 10.6% vacancy, 14.8% poverty, 81% owner-occupied, median age 40.4.

Clay County, MN insurance distress 0/100 (#2,751 in the US); FEMA hazard 0/100 for Clay, MN; Clay, MN construction distress 57/100.

11 banks with 19 branches lend in Clay County, MN; Clay, MN weighted bank stress 65/100, highest 76/100 in Clay, MN.

Clay County, MN unemployment 4.3% (Clay, MN -0.6 pts, six months); 254 new housing units permitted in Clay County, MN over twelve months, Clay, MN down 7% from 273; Clay, MN home prices +6.7% a year (Clay, MN) over three years.

27,559 housing units in Clay County, MN; 8,654 Clay, MN renter households; 49% of Clay, MN renters spend 30%+ of income on rent, 27% (Clay, MN) half or more.

Clay County, MN ranks #3,058 nationally on the opportunity index (Clay, MN, among all ranked counties); Clay, MN scores 22.5/100 and Clay, MN sits #75 inside Minnesota. Clay, MN is in the weak opportunity phase; Clay, MN's primary driver is bank institutional, Clay, MN second driver construction; Clay, MN moved down 34 places. 6 short-sale listings across Clay, MN; 100 days on market observed in Clay, MN; 4.9% vacancy over 17 Clay, MN ZIPs.

No CFPB county sample covers Clay County, MN. The metro area reading for Clay, MN (Fargo, ND-MN): 0.5% ninety-plus days late; Clay, MN's thirty-to-eighty-nine share is 1.1% (Clay, MN, December 2025 data); Minnesota overall 0.6%.

Clay County, MN has 4 watched banks; 4 Clay, MN banks sit in an elevated band. Clay, MN footprints: Northwestern Bank Na (3 branches, stress 49) in Clay, MN; Valley Premier Bank (2 branches, stress 65) in Clay, MN; State Bank Of Lake Park (1 branch, stress 66) in Clay, MN.

HUD lists 6 assisted multifamily properties in Clay County, MN with 392 units; 230 Clay, MN units are assisted, 3 Clay, MN properties under project-based Section 8.

1,117 of the 27,559 housing units in Clay, MN sit vacant. Clay County, MN permitted 123 multifamily units in twelve months; Clay, MN's one-to-four unit structures added 131 units in Clay County, MN.