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

Clay County, MO, Missouri: 23 ZIP codes scored, Clay County, MO averaging 26/100 (low, Clay, MO), from 14 to 29. Clay County, MO is in its peak phase (Clay, MO confidence 20/100): Clay, MO home prices up 2.8% (Clay, MO) over twelve months. Clay County, MO lender headwind: 31/100.

Highest-scoring Clay County, MO ZIPs: 64060 (29/100), 64068 (29/100), 64072 (29/100), 64116 (29/100), 64117 (29/100), 64118 (29/100). Also scored in Clay County, MO: 64119, 64155, 64156, 64157, 64158, 64161, 64165, 64166, 64167, 64089.

Across Clay County, MO's scored ZIPs: median home value $287,191, household income $89,749, 5.4% vacancy, 8.2% poverty, 75% owner-occupied, median age 40.8.

Clay County, MO insurance distress 29/100 (#1,644 in the US); FEMA hazard 0/100 for Clay, MO; 15 Clay, MO NFIP flood claims, $430K paid; Clay, MO construction distress 89/100.

26 banks with 65 branches lend in Clay County, MO; Clay, MO weighted bank stress 58/100, highest 85/100 in Clay, MO.

Clay County, MO unemployment 3.3% (Clay, MO -0.3 pts, six months); 252 new housing units permitted in Clay County, MO over twelve months, Clay, MO down 40% from 420; Clay, MO home prices +10.4% a year (Clay, MO) over three years.

107,719 housing units in Clay County, MO; 31,438 Clay, MO renter households; 42% of Clay, MO renters spend 30%+ of income on rent, 18% (Clay, MO) half or more.

Clay County, MO ranks #2,304 nationally on the opportunity index (Clay, MO, among all ranked counties); Clay, MO scores 26.7/100 and Clay, MO sits #88 inside Missouri. Clay, MO is in the weak opportunity phase; Clay, MO's primary driver is construction, Clay, MO second driver bank institutional; Clay, MO moved up 317 places. 24 short-sale listings across Clay, MO; 91 days on market observed in Clay, MO; 5.0% vacancy over 23 Clay, MO ZIPs.

0.8% of Clay County, MO mortgages were ninety-plus days late in December 2025; Clay, MO's thirty-to-eighty-nine-day share was 2.2% (CFPB county sample). Clay, MO's ninety-day rate is up 0.4 points on twelve months earlier; the Clay, MO peak since 2008 was 3.0% in February 2010; Missouri overall reads 0.9%.

Clay County, MO has 15 watched banks; 15 Clay, MO banks sit in an elevated band. Clay, MO footprints: Central Trust Bank (9 branches, stress 54) in Clay, MO; Verimore Bank (5 branches, stress 48) in Clay, MO; Commerce Bank (4 branches, stress 62) in Clay, MO.

HUD lists 24 assisted multifamily properties in Clay County, MO with 2,383 units; 620 Clay, MO units are assisted, 6 Clay, MO properties under project-based Section 8.

5,548 of the 107,719 housing units in Clay, MO sit vacant. Clay County, MO permitted 0 multifamily units in twelve months; Clay, MO's one-to-four unit structures added 252 units in Clay County, MO.