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

Clay County, NE, Nebraska: 15 ZIP codes scored, Clay County, NE averaging 17/100 (low, Clay, NE), from 13 to 26. Clay County, NE is in its peak phase (Clay, NE confidence 18/100): Clay, NE home prices up 3.1% (Clay, NE) over twelve months. Clay County, NE lender headwind: 73/100.

Highest-scoring Clay County, NE ZIPs: 68436 (26/100), 68941 (23/100), 68901 (22/100), 68980 (22/100), 68957 (20/100), 68818 (17/100). Also scored in Clay County, NE: 68979, 68934, 68452, 68933, 68938, 68944, 68954, 68975, 68935.

Across Clay County, NE's scored ZIPs: median home value $177,842, household income $67,516, 9.6% vacancy, 10.5% poverty, 82% owner-occupied, median age 44.5.

Clay County, NE insurance distress 21/100 (#2,202 in the US); FEMA hazard 40/100 for Clay, NE; 4 federal disaster declarations in Clay County, NE since 2023; Clay, NE construction distress 18/100.

3 banks with 9 branches lend in Clay County, NE; Clay, NE weighted bank stress 64/100, highest 69/100 in Clay, NE.

Clay County, NE unemployment 2.1% (Clay, NE -1.8 pts, six months); 23 new housing units permitted in Clay County, NE over twelve months, Clay, NE up 77% from 13; Clay, NE home prices +14.0% a year (Clay, NE) over three years.

2,817 housing units in Clay County, NE; 479 Clay, NE renter households; 32% of Clay, NE renters spend 30%+ of income on rent, 6% (Clay, NE) half or more.

Clay County, NE ranks #2,621 nationally on the opportunity index (Clay, NE, among all ranked counties); Clay, NE scores 25.3/100 and Clay, NE sits #69 inside Nebraska. Clay, NE is in the weak opportunity phase; Clay, NE's primary driver is bank institutional, Clay, NE second driver construction; Clay, NE moved down 285 places. 9 short-sale listings across Clay, NE; 63 days on market observed in Clay, NE; 9.9% vacancy over 15 Clay, NE ZIPs.

No CFPB county sample covers Clay County, NE. The non-metro area reading for Clay, NE: 0.8% ninety-plus days late; Clay, NE's thirty-to-eighty-nine share is 2.1% (Clay, NE, December 2025 data); Nebraska overall 0.6%.

Clay County, NE has 3 watched banks; 3 Clay, NE banks sit in an elevated band. Clay, NE footprints: Cornerstone Bank (6 branches, stress 69) in Clay, NE; Waypoint Bank (2 branches, stress 51) in Clay, NE; Pinnacle Bank (1 branch, stress 62) in Clay, NE.

327 of the 2,817 housing units in Clay, NE sit vacant. Clay County, NE permitted 0 multifamily units in twelve months; Clay, NE's one-to-four unit structures added 23 units in Clay County, NE.