Clay County, SD: Foreclosures, Tax Liens & Distressed Properties
Clay County, SD, South Dakota: 8 ZIP codes scored, Clay County, SD averaging 21/100 (low, Clay, SD), from 18 to 24. Clay County, SD is in its peak phase (Clay, SD confidence 20/100): Clay, SD home prices up 1.7% (Clay, SD) over twelve months. Clay County, SD lender headwind: 39/100.
Highest-scoring Clay County, SD ZIPs: 57010 (24/100), 57004 (23/100), 57031 (21/100), 57037 (21/100), 57072 (21/100), 57069 (19/100). Also scored in Clay County, SD: 57073, 57014.
Across Clay County, SD's scored ZIPs: median home value $204,625, household income $63,583, 9.1% vacancy, 7.2% poverty, 75% owner-occupied, median age 40.2.
Clay County, SD insurance distress 52/100 (#1,056 in the US); FEMA hazard 52/100 for Clay, SD; 2 federal disaster declarations in Clay County, SD since 2023 (2 flood); 1 Clay, SD NFIP flood claims, $2K paid; Clay, SD construction distress 55/100.
7 banks with 7 branches lend in Clay County, SD; Clay, SD weighted bank stress 60/100, highest 87/100 in Clay, SD.
Clay County, SD unemployment 2.1% (Clay, SD -0.5 pts, six months); 31 new housing units permitted in Clay County, SD over twelve months, Clay, SD up 0% from 31; Clay, SD home prices +8.0% a year (Clay, SD) over three years.
6,262 housing units in Clay County, SD; 2,683 Clay, SD renter households; 34% of Clay, SD renters spend 30%+ of income on rent, 27% (Clay, SD) half or more.
Clay County, SD ranks #1,993 nationally on the opportunity index (Clay, SD, among all ranked counties); Clay, SD scores 27.7/100 and Clay, SD sits #36 inside South Dakota. Clay, SD is in the weak opportunity phase; Clay, SD's primary driver is bank institutional, Clay, SD second driver vacancy; Clay, SD moved down 62 places. 3 short-sale listings across Clay, SD; 92 days on market observed in Clay, SD; 10.2% vacancy over 8 Clay, SD ZIPs.
No CFPB county sample covers Clay County, SD. The state reading for Clay, SD: 0.6% ninety-plus days late; Clay, SD's thirty-to-eighty-nine share is 2.0% (Clay, SD, December 2025 data).
Clay County, SD has 6 watched banks; 6 Clay, SD banks sit in an elevated band. Clay, SD footprints: Cortrust Bank National Assn (1 branch, stress 87) in Clay, SD; Wells Fargo Bank Na (1 branch, stress 67) in Clay, SD; First Bank&Trust (1 branch, stress 60) in Clay, SD.
HUD lists 1 assisted multifamily property in Clay County, SD with 10 units; 10 Clay, SD units are assisted, 1 Clay, SD properties under project-based Section 8.
715 of the 6,262 housing units in Clay, SD sit vacant. Clay County, SD permitted 10 multifamily units in twelve months; Clay, SD's one-to-four unit structures added 21 units in Clay County, SD.