In Mount Clemens, a typical home is worth $179,400 and typical rent is $847 a month. Compared with all of Macomb County, typical household income is 33% lower, typical rent is 30% lower, and the share of households that own their home is 16 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $144,084 to $173,700.
Typical rent
$1,258a month
▲ 9.5% more than 12 months ago
Typical rent from Zillow, March 2025 to September 2026: from $1,097 to $1,258.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Mount Clemens is in Macomb County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Macomb County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical household income in Mount Clemens is $52,310,33% less than in Macomb County as a whole ($77,837).
2
59% of households in Mount Clemens own their home, against 75% in Macomb County.
3
The typical rent in Mount Clemens is $847 a month, 30% less than in Macomb County as a whole ($1,211).
4
The typical home in Mount Clemens is worth $179,400,26% less than in Macomb County as a whole ($243,900).
5
According to Zillow, in the 12 months to September 2026 the typical home value in Mount Clemens rose 0.8%; in Michigan, it rose 3.8%.
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Mount Clemens
What homes there are in Mount Clemens, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Mount Clemens
Macomb County
Michigan
United States
Kind of home: Mount Clemens and its comparisons
Measure
Mount Clemens
Macomb County
Michigan
United States
Detached house
60%
68%
72%
61%
Attached house
7%
10%
5%
6%
Building of 2 to 4
13%
4%
5%
8%
Apartments (5 or more)
18%
14%
13%
19%
Mobile home
Unreliable estimate
4%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Mount Clemens (60%), but less so than in Macomb County (68%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Mount Clemens
Macomb County
Michigan
United States
Year built: Mount Clemens and its comparisons
Measure
Mount Clemens
Macomb County
Michigan
United States
Before 1960
62%
25%
36%
26%
1960–1979
26%
33%
26%
24%
1980–1999
9%
24%
22%
25%
2000–2009
3%
12%
10%
14%
2010 or later
Unreliable estimate
6%
6%
11%
Homes in Mount Clemens are older: the typical year built is 1955; in Macomb County, 1975.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K14%
$100K–$200K47%
$200K–$300K27%
$300K–$500K11%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Mount Clemens and its comparisons
Measure
Mount Clemens
Under $100K
14%
$100K–$200K
47%
$200K–$300K
27%
$300K–$500K
11%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
The FHA limit for Macomb County is high ($541,287): at least 99% of owner-occupied homes in Mount Clemens are worth less than $500,000.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50027%
$500–$99941%
$1,000–$1,49919%
HUD fair market rent, 2 bedrooms: $1,459
$1,500–$1,99911%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Mount Clemens and its comparisons
Measure
Mount Clemens
Under $500
27%
$500–$999
41%
$1,000–$1,499
19%
$1,500–$1,999
11%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
About 85% of rented homes in Mount Clemens cost less than HUD's 2-bedroom fair market rent for Macomb County ($1,459).
With a mortgage
$1,433 a month
Macomb County: $1,628 a month
Without a mortgage
$576 a month
Macomb County: $643 a month
Owners with a mortgage
62%
Macomb County: 62%
The typical cost for an owner with a mortgage in Mount Clemens is $1,433 a month, less than in Macomb County ($1,628); without one, $576.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Mount Clemens+74%
Macomb County+46%
Michigan+50%
United States+53%
Typical rent
Mount Clemens+14%
Macomb County+26%
Michigan+30%
United States+33%
Typical household income
Mount ClemensNo clear change
Macomb County+24%
Michigan+28%
United States+29%
Change since 2015–2019: Mount Clemens and its comparisons
Measure
Mount Clemens
Macomb County
Michigan
United States
Typical home value
+74%
+46%
+50%
+53%
Typical rent
+14%
+26%
+30%
+33%
Typical household income
No clear change
+24%
+28%
+29%
Since 2015–2019, homes in Mount Clemens gained value faster than in Macomb County: 74% against 46%.
The typical rent in Mount Clemens rose 14% over the same time; in Macomb County, it rose 26%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Mount Clemens and its comparisons
Measure
Mount Clemens
Macomb County
Michigan
United States
Rental vacancy
Unreliable estimate
2.9%
5.1%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
0.8%
0.9%
More than one person per room
Unreliable estimate
1.8%
1.6%
3.4%
People per household
2.10
2.43
2.42
2.53
Drive alone
79%
76%
74%
69%
Carpool
7%
8%
8%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
8%
13%
14%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in Mount Clemens are smaller: 2.10 people on average; in Macomb County, 2.43.
The car rules in Mount Clemens: 79% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.
Do the math
What would you pay each month for a home in Mount Clemens?
A typical home costs more than the typical income allows
We start with a typical home in Mount Clemens, worth $179,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Mount Clemens, which is $52,310 a year. For that payment to be 28% of income, a household would need to earn about $67,805 a year.
The calculator's FHA and conventional loan limits are those of all of Macomb County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Mount Clemens. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $6,279 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,582
at 7.18% · 30 years
Loan amount
$176,151
Total interest
$253,439
Paid off in
November 2056
Includes $3,030 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,221 a month
Tight
$1,221 to $1,569 a month
Hard
more than $1,569 a month
Your payment · 36%
Compared with the typical household income in Mount Clemens ($52,310 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,193
Property tax
$235
Home insurance
$75
FHA mortgage insurance (MIP)
$79
You need at least $6,279 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $1,582; principal and interest $1,193.
The city and its county
Mount Clemens and Macomb County
Mount Clemens is in Macomb County, Michigan. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Mount Clemens
Map of Macomb County, Michigan, with Mount Clemens marked. Around it, the neighboring counties.
Mount Clemens
Macomb County
Other cities with a page
Mount Clemens's own numbers
Typical home value
$179,400
Typical monthly rent
$847
Typical yearly household income
$52,310
Households that own their home
59%
Effective property tax rate
1.57%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Macomb County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,459
Price change over 5 years (FHFA)
+47%
Homes in a high flood-risk zone
1.2%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Macomb County.
A typical home in Mount Clemens is worth $179,400: 26% below the county and 23% below Michigan. With the typical household income in Mount Clemens ($52,310 a year), a typical home costs 3.4 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Mount Clemens3.4 years
Macomb3.1 years
Michigan3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Macomb County
According to FHFA’s house price index, home prices in Macomb County rose 92% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Macomb County.
Yearly change in FHFA’s price index in Macomb County, 2016 to 2025
2016: +5.5% +5.5% 2016
2017: +7.4% +7.4% 2017
2018: +6.5% +6.5% 2018
2019: +4.5% +4.5% 2019
2020: +3.6% +3.6% 2020
2021: +12.4% +12.4% 2021
2022: +11.7% +11.7% 2022
2023: +5.3% +5.3% 2023
2024: +6.8% +6.8% 2024
2025: +4.1% +4.1% 2025
Change in FHFA’s price index in Macomb County, Michigan and the United States
Period
County
Michigan
U.S.
Last year (2025)
+4.1%
+4.7%
+2.9%
5 years (2020–2025)
+47%
+52%
+47%
10 years (2015–2025)
+92%
+97%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Mount Clemens next to Macomb County, Michigan and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Mount Clemens$179,400
Macomb$243,900
Michigan$231,600
United States$332,700
Typical monthly rent
Mount Clemens$847
Macomb$1,211
Michigan$1,129
United States$1,413
Typical yearly household income
Mount Clemens$52,310
Macomb$77,837
Michigan$72,875
United States$80,734
See the full table
Mount Clemens next to Macomb County and Michigan
Measure
Mount Clemens
Macomb County
Michigan
U.S.
Typical home value
$179,400 ▼26% below the county
$243,900
$231,600
$332,700
Typical monthly rent
$847 ▼30% below the county
$1,211
$1,129
$1,413
Typical yearly household income
$52,310 ▼33% below the county
$77,837
$72,875
$80,734
Households that own their home
59% ▼16 points below the county
75%
73%
65%
Typical yearly property tax
$2,824 ▼17% below the county
$3,404
$2,904
$3,119
Effective property tax rate
1.57% ▲0.17 points above the county
1.4%
1.25%
0.94%
Renters with high rent for their income
49% ▼2 points below the county
51%
50%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Macomb County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Mount Clemens
For a typical $179,400 home in Mount Clemens, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mount Clemens's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,582a month
Least cash to close
Down payment
$6,279
Cash to close
$11,661
Rate
7.18%
Mortgage insurance
FHA MIP · $79
Conventional, 5% down$1,549a month
Down payment
$8,970
Cash to close
$14,352
Rate
7.18%
Mortgage insurance
PMI · $85
Conventional, 20% down, no PMI$1,282a month
Down payment
$35,880
Cash to close
$41,262
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,448a month
Down payment
$26,910
Cash to close
$32,292
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Mount Clemens
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,582
$6,279
$176,151
7.18%
FHA MIP · $79
$11,661
580
Conventional, 5% down
$1,549
$8,970
$170,430
7.18%
PMI · $85
$14,352
620*
Conventional, 20% down, no PMI
$1,282
$35,880
$143,520
7.18%
None
$41,262
620*
ITIN, 15% down (example)
$1,448
$26,910
$152,490
8.18%
None
$32,292
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Mount Clemens is $847 a month: 30% below the county. In Mount Clemens, 49% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Macomb County, by unit size. To pay the 2-bedroom one ($1,459 a month) without spending more than 30% of your income, you would need to earn $28.06 an hour working full time.
HUD lists 4 buildings with rents for lower incomes in Mount Clemens. These are the largest.
Clemens Towers50 Church St, Mount Clemens 48043292 homes, 287 low-income · Run by Mount Clemens Housing Commission · Average payment: $407 a month · Average wait: 46 months(586) 468-1434
Clinton Place147 N River Ct, Mount Clemens 48043283 low-income homes · For older adults(586) 468-8415
Park Place Towers34 Park St, Mount Clemens 48043187 homes, 179 low-income · For older adults(586) 469-6446
Barwin Place Apartments188 Hubbard St, Mount Clemens 4804348 homes, 20 low-income · For families(586) 307-8860
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There are 2 HUD-approved agencies with an office in Macomb County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Mount Clemens or Macomb County. The ones below are statewide in Michigan: they work in Mount Clemens the same as in the rest of the state.
Michigan state agency loan of up to $10,000, with no interest and no monthly payments, for the down payment, closing costs and prepaid expenses; it goes with MSHDA's MI Home Loan mortgage and is repaid in certain cases, such as when you pay off the first mortgage, sell or refinance the home, or no longer live in it.Offered by Michigan State Housing Development Authority (MSHDA).
Michigan state authority certificate that lets you take 20% of the interest you pay each year on your mortgage off your federal taxes, for the life of the loan; you apply with an approved lender before you buy.Offered by Michigan State Housing Development Authority (MSHDA).
The HUD-approved agencies closest to the center of Mount Clemens, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
MM
Msue- Macomb County (clinton Township)
21885 Dunham Rd., Suite 12, Clinton TWP · 1 miles away
No legal help resource on our list is for Mount Clemens or Macomb County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Mount Clemens and all of Macomb County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Mount Clemens?
The typical home value in Mount Clemens is $179,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Macomb County it is $243,900.
How much does it cost to rent in Mount Clemens?
Typical rent in Mount Clemens is $847 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Macomb County is $1,459.
What is the FHA loan limit in Mount Clemens?
Mount Clemens uses the FHA limit for all of Macomb County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Mount Clemens?
The typical homeowner in Mount Clemens pays $2,824 a year, according to the U.S. Census Bureau. That is 1.57% of the home’s value; in Macomb County, the rate is 1.4%.
Where can I find free help to buy or rent in Mount Clemens?
There are 2 HUD-approved counseling agencies with an office in Macomb County. They can help you get ready to buy, with your credit, or with rent.
