Clay County, TN: Foreclosures, Tax Liens & Distressed Properties
Clay County, TN, Tennessee: 7 ZIP codes scored, Clay County, TN averaging 13/100 (minimal, Clay, TN), from 9 to 17. Clay County, TN is in its peak phase (Clay, TN confidence 27/100): Clay, TN home prices up 2.8% (Clay, TN) over twelve months. Clay County, TN lender headwind: 70/100.
Highest-scoring Clay County, TN ZIPs: 38588 (17/100), 37150 (15/100), 38551 (14/100), 38575 (14/100), 38541 (12/100), 38568 (11/100). Also scored in Clay County, TN: 38573.
Across Clay County, TN's scored ZIPs: median home value $171,443, household income $41,967, 19.3% vacancy, 20.2% poverty, 78% owner-occupied, median age 48.4.
Clay County, TN insurance distress 46/100 (#1,180 in the US); FEMA hazard 40/100 for Clay, TN; 6 federal disaster declarations in Clay County, TN since 2023; 2 Clay, TN NFIP flood claims, $4K paid; Clay, TN construction distress 36/100.
2 banks with 2 branches lend in Clay County, TN; Clay, TN weighted bank stress 71/100, highest 77/100 in Clay, TN.
Clay County, TN unemployment 3.8% (Clay, TN -0.9 pts, six months); 28 new housing units permitted in Clay County, TN over twelve months, Clay, TN up 12% from 25.
4,005 housing units in Clay County, TN; 718 Clay, TN renter households; 20% of Clay, TN renters spend 30%+ of income on rent, 13% (Clay, TN) half or more.
Clay County, TN ranks #2,503 nationally on the opportunity index (Clay, TN, among all ranked counties); Clay, TN scores 25.9/100 and Clay, TN sits #81 inside Tennessee. Clay, TN is in the weak opportunity phase; Clay, TN's primary driver is vacancy, Clay, TN second driver bank institutional; Clay, TN moved down 1,173 places. 2 short-sale listings across Clay, TN; 13 days on market observed in Clay, TN; 20.1% vacancy over 7 Clay, TN ZIPs.
No CFPB county sample covers Clay County, TN. The non-metro area reading for Clay, TN: 1.3% ninety-plus days late; Clay, TN's thirty-to-eighty-nine share is 3.3% (Clay, TN, December 2025 data); Tennessee overall 0.9%.
Clay County, TN has 2 watched banks; 2 Clay, TN banks sit in an elevated band. Clay, TN footprints: Macon Bank&Trust Co (1 branch, stress 77) in Clay, TN; Wellworth Bank (1 branch, stress 65) in Clay, TN.
519 of the 4,005 housing units in Clay, TN sit vacant. Clay County, TN permitted 0 multifamily units in twelve months; Clay, TN's one-to-four unit structures added 28 units in Clay County, TN.