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

Clay County, MS, Mississippi: 8 ZIP codes scored, Clay County, MS averaging 12/100 (minimal, Clay, MS), from 4 to 19. Clay County, MS is in its peak phase (Clay, MS confidence 28/100): Clay, MS home prices up 3.8% (Clay, MS) over twelve months. Clay County, MS lender headwind: 37/100.

Highest-scoring Clay County, MS ZIPs: 39759 (19/100), 39756 (14/100), 39755 (12/100), 39741 (11/100), 39750 (11/100), 39773 (11/100). Also scored in Clay County, MS: 39776, 39751.

Across Clay County, MS's scored ZIPs: median home value $123,475, household income $43,267, 14.8% vacancy, 22.5% poverty, 74% owner-occupied, median age 41.7.

Clay County, MS insurance distress 0/100 (#2,789 in the US); FEMA hazard 0/100 for Clay, MS; 4 federal disaster declarations in Clay County, MS since 2023; Clay, MS construction distress 45/100.

6 banks with 7 branches lend in Clay County, MS; Clay, MS weighted bank stress 54/100, highest 63/100 in Clay, MS.

Clay County, MS unemployment 4.1% (Clay, MS -0.8 pts, six months); 4 new housing units permitted in Clay County, MS over twelve months, Clay, MS up 0% from 4.

9,052 housing units in Clay County, MS; 2,263 Clay, MS renter households; 38% of Clay, MS renters spend 30%+ of income on rent, 22% (Clay, MS) half or more.

Clay County, MS ranks #2,784 nationally on the opportunity index (Clay, MS, among all ranked counties); Clay, MS scores 24.5/100 and Clay, MS sits #79 inside Mississippi. Clay, MS is in the weak opportunity phase; Clay, MS's primary driver is vacancy, Clay, MS second driver bank institutional; Clay, MS moved down 63 places. 5 short-sale listings across Clay, MS; 119 days on market observed in Clay, MS; 14.8% vacancy over 8 Clay, MS ZIPs.

No CFPB county sample covers Clay County, MS. The non-metro area reading for Clay, MS: 1.8% ninety-plus days late; Clay, MS's thirty-to-eighty-nine share is 5.9% (Clay, MS, December 2025 data); Mississippi overall 1.8%.

Clay County, MS has 3 watched banks; 3 Clay, MS banks sit in an elevated band. Clay, MS footprints: Renasant Bank (2 branches, stress 43) in Clay, MS; Bank Of Commerce (1 branch, stress 62) in Clay, MS; Bankfirst Financial Services (1 branch, stress 57) in Clay, MS.

HUD lists 1 assisted multifamily property in Clay County, MS with 14 units; 14 Clay, MS units are assisted.

1,247 of the 9,052 housing units in Clay, MS sit vacant. Clay County, MS permitted 0 multifamily units in twelve months; Clay, MS's one-to-four unit structures added 4 units in Clay County, MS.