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

Clay County, WV, West Virginia: 16 ZIP codes scored, Clay County, WV averaging 16/100 (low, Clay, WV), from 9 to 34. Clay County, WV is in its expansion phase (Clay, WV confidence 85/100): Clay, WV home prices up 9.2% (Clay, WV) over twelve months. Clay County, WV lender headwind: 28/100.

Highest-scoring Clay County, WV ZIPs: 25045 (34/100), 25164 (18/100), 25043 (16/100), 25125 (16/100), 25019 (15/100), 25030 (15/100). Also scored in Clay County, WV: 25088, 25111, 25113, 25133, 25141, 25211, 25285, 25235, 26617, 25063.

Across Clay County, WV's scored ZIPs: median home value $117,873, household income $49,154, 20.5% vacancy, 22.9% poverty, 85% owner-occupied, median age 47.6.

Clay County, WV insurance distress 32/100 (#1,555 in the US); FEMA hazard 63/100 for Clay, WV; 6 federal disaster declarations in Clay County, WV since 2023 (3 flood); Clay, WV construction distress 70/100.

2 banks with 3 branches lend in Clay County, WV; Clay, WV weighted bank stress 52/100, highest 55/100 in Clay, WV.

Clay County, WV unemployment 6.0% (Clay, WV -4.6 pts, six months); 6 new housing units permitted in Clay County, WV over twelve months, Clay, WV down 25% from 8.

3,961 housing units in Clay County, WV; 623 Clay, WV renter households; 44% of Clay, WV renters spend 30%+ of income on rent, 29% (Clay, WV) half or more.

Clay County, WV ranks #2,295 nationally on the opportunity index (Clay, WV, among all ranked counties); Clay, WV scores 26.7/100 and Clay, WV sits #45 inside West Virginia. Clay, WV is in the weak opportunity phase; Clay, WV's primary driver is vacancy, Clay, WV second driver construction; Clay, WV moved down 437 places. 1 short-sale listings across Clay, WV; 10 days on market observed in Clay, WV; 23.0% vacancy over 16 Clay, WV ZIPs.

No CFPB county sample covers Clay County, WV. The metro area reading for Clay, WV (Charleston, WV): 2.1% ninety-plus days late; Clay, WV's thirty-to-eighty-nine share is 4.4% (Clay, WV, December 2025 data); West Virginia overall 1.1%.

Clay County, WV has 1 watched bank; 1 Clay, WV bank sits in an elevated band. Clay, WV footprints: Clay County Bank Inc (2 branches, stress 51) in Clay, WV.

989 of the 3,961 housing units in Clay, WV sit vacant. Clay County, WV permitted 0 multifamily units in twelve months; Clay, WV's one-to-four unit structures added 6 units in Clay County, WV.