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

Clay County, TX, Texas: 9 ZIP codes scored, Clay County, TX averaging 19/100 (low, Clay, TX), from 14 to 22. Clay County, TX is in its peak phase (Clay, TX confidence 6/100): Clay, TX home prices up 0.8% (Clay, TX) over twelve months, 2.5% under their peak. Clay County, TX lender headwind: 0/100.

Highest-scoring Clay County, TX ZIPs: 76228 (22/100), 76357 (22/100), 76365 (22/100), 76377 (22/100), 76305 (21/100), 76230 (17/100). Also scored in Clay County, TX: 76261, 76310, 76389.

Across Clay County, TX's scored ZIPs: median home value $171,533, household income $75,835, 20.3% vacancy, 9.8% poverty, 82% owner-occupied, median age 47.5.

Clay County, TX insurance distress 53/100 (#1,031 in the US); FEMA hazard 52/100 for Clay, TX; 2 federal disaster declarations in Clay County, TX since 2023 (2 flood); 2 Clay, TX NFIP flood claims, $4K paid; Clay, TX construction distress 89/100.

2 banks with 3 branches lend in Clay County, TX; Clay, TX weighted bank stress 40/100, highest 53/100 in Clay, TX.

Clay County, TX unemployment 4.1% (Clay, TX +0.1 pts, six months); 2 new housing units permitted in Clay County, TX over twelve months, Clay, TX down 88% from 16; Clay, TX home prices +10.4% a year (Clay, TX) over three years.

5,163 housing units in Clay County, TX; 823 Clay, TX renter households; 28% of Clay, TX renters spend 30%+ of income on rent, 16% (Clay, TX) half or more.

Clay County, TX ranks #1,491 nationally on the opportunity index (Clay, TX, among all ranked counties); Clay, TX scores 29.5/100 and Clay, TX sits #149 inside Texas. Clay, TX is in the early_signal opportunity phase; Clay, TX's primary driver is construction, Clay, TX second driver vacancy; Clay, TX moved down 143 places. 2 short-sale listings across Clay, TX; 74 days on market observed in Clay, TX; 14.7% vacancy over 9 Clay, TX ZIPs.

No CFPB county sample covers Clay County, TX. The non-metro area reading for Clay, TX: 1.4% ninety-plus days late; Clay, TX's thirty-to-eighty-nine share is 3.5% (Clay, TX, December 2025 data); Texas overall 1.2%.

Clay County, TX has 2 watched banks; 2 Clay, TX banks sit in an elevated band. Clay, TX footprints: Prosperity Bank (2 branches, stress 33) in Clay, TX; Legend Bank N A (1 branch, stress 53) in Clay, TX.

874 of the 5,163 housing units in Clay, TX sit vacant. Clay County, TX permitted 0 multifamily units in twelve months; Clay, TX's one-to-four unit structures added 2 units in Clay County, TX.