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

Clay County, NC, North Carolina: 5 ZIP codes scored, Clay County, NC averaging 25/100 (low, Clay, NC), from 21 to 31. Clay County, NC is in its peak phase (Clay, NC confidence 22/100): Clay, NC home prices up 2.8% (Clay, NC) over twelve months. Clay County, NC lender headwind: 56/100.

Highest-scoring Clay County, NC ZIPs: 28734 (31/100), 28906 (28/100), 28902 (23/100), 28904 (21/100), 28909 (21/100).

Across Clay County, NC's scored ZIPs: median home value $260,280, household income $52,103, 32.3% vacancy, 11.6% poverty, 84% owner-occupied, median age 54.2.

Clay County, NC insurance distress 74/100 (#539 in the US); FEMA hazard 78/100 for Clay, NC; 6 federal disaster declarations in Clay County, NC since 2023; 7 Clay, NC NFIP flood claims, $38K paid; Clay, NC construction distress 44/100.

3 banks with 3 branches lend in Clay County, NC; Clay, NC weighted bank stress 63/100, highest 71/100 in Clay, NC.

Clay County, NC unemployment 3.4% (Clay, NC -0.1 pts, six months); 116 new housing units permitted in Clay County, NC over twelve months, Clay, NC up 7% from 108; Clay, NC home prices +15.5% a year (Clay, NC) over three years.

7,497 housing units in Clay County, NC; 1,017 Clay, NC renter households; 40% of Clay, NC renters spend 30%+ of income on rent, 23% (Clay, NC) half or more.

Clay County, NC ranks #357 nationally on the opportunity index (Clay, NC, among all ranked counties); Clay, NC scores 34.3/100 and Clay, NC sits #12 inside North Carolina. Clay, NC is in the peak_opportunity opportunity phase; Clay, NC's primary driver is vacancy, Clay, NC second driver bank institutional; Clay, NC moved down 43 places. 9 short-sale listings across Clay, NC; 102 days on market observed in Clay, NC; 30.7% vacancy over 5 Clay, NC ZIPs.

No CFPB county sample covers Clay County, NC. The non-metro area reading for Clay, NC: 1.3% ninety-plus days late; Clay, NC's thirty-to-eighty-nine share is 3.4% (Clay, NC, December 2025 data); North Carolina overall 0.9%.

Clay County, NC has 2 watched banks; 2 Clay, NC banks sit in an elevated band. Clay, NC footprints: First-Citizens Bank&Trust Co (1 branch, stress 71) in Clay, NC; Nantahala Bank&Trust Co (1 branch, stress 63) in Clay, NC.

HUD lists 2 assisted multifamily properties in Clay County, NC with 39 units; 38 Clay, NC units are assisted, 1 Clay, NC properties under project-based Section 8.

2,416 of the 7,497 housing units in Clay, NC sit vacant. Clay County, NC permitted 0 multifamily units in twelve months; Clay, NC's one-to-four unit structures added 116 units in Clay County, NC.