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

Clay County, Texas sits inside DLRadar's nationwide distress index, built entirely from public records. ZIP-level distress ranges from 25/100 at the top down to 13/100. There are 9 scored ZIPs in the county (mean composite 21/100). County-level credit and bank headwind reads 0/100 — low.

The peak-phase county posted home values that rose 0.8% over twelve months, now 2.5% off the recent peak, at 6/100 phase confidence. With pricing topped out, distress turns selective so screen ZIP by ZIP.

At +0.8% YoY and 6/100 confidence, opportunity is parcel-specific well beyond the county average. A steady 0/100 bank reading puts the live signals on owner-driven distress more than bank stock.

Leading Clay County on distress: 76261 (25/100), 76228 (23/100), 76230 (23/100), 76357 (22/100), 76365 (22/100), 76377 (22/100). Coverage extends to 76305, 76310, 76389 among others.

On the housing-and-income side, the ZIPs DLRadar tracks across Clay County report a 9.8% poverty rate, typical home values near $171,533, a median household income near $75,835 (near the US norm), a median age of 47.5, 20.3% of units sitting vacant, 82% owner-occupancy. Taken together, they set up the volume of pressured sellers and the exit liquidity behind them.

At 21/100 composite over 9 ZIPs, Clay County is a screen-by-ZIP market where the ZIP scores point. A DLRadar subscription opens every Clay County parcel: owner, mailing address, APN, its own score, the lender behind it and an exit read.

Whether Clay County, Texas carries heavy distress or only a handful of flagged parcels, every score here is built the same deterministic way — from recorded foreclosures, tax delinquency, liens and lender stress — so Clay County can be compared directly against any county in the country.

Read Clay County, Texas as a heat map for effort — the county's low composite of 21/100 hides wide ZIP-level variation, and the return comes from chasing the hot ZIPs, not the average. Nothing in the Clay County read is modelled: recorder and court filings drive foreclosure and lien signals, FHFA sets the price cycle, FDIC the lender stress, and a thin source stays blank.

At the ZIP level, the sharpest readings in Clay County are 76261 (25/100), 76228 (23/100), 76230 (23/100), 76357 (22/100), 76365 (22/100), 76377 (22/100). DLRadar also scores 76305, 76310, 76389 across the county. Each code carries its own composite built from that ZIP's foreclosure, mortgage, tax-lien and lender signals, so two neighboring ZIPs can diverge sharply even inside one county.

Under Clay County's headline composite sit distinct layers — recorded foreclosures, tax and lien delinquency, mortgage stress and bank headwind — each scored separately before they roll up, so the same total can describe very different markets.