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City · 28,620 residents · St. Clair County, Michigan

Port Huron , Michigan

In Port Huron, a typical home is worth $149,300 and typical rent is $982 a month. Compared with all of St. Clair County, the typical home value is 34% lower, typical household income is 29% lower, and the share of households that own their home is 19 points lower.

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  • Typical home value

    $149,300

    34% below the county

    36% below Michigan

    • Port Huron
    • St. Clair
    • Michigan

  • Typical rent

    $982a month

    5% below the county

    13% below Michigan

    • Port Huron
    • St. Clair
    • Michigan

  • Typical household income

    $50,366a year

    29% below the county

    31% below Michigan

    • Port Huron
    • St. Clair
    • Michigan

  • Households that own their home

    62%

    19 points below the county

    11 points below Michigan

    • Port Huron
    • St. Clair
    • Michigan

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$173,559
3.6% more than 12 months ago
Typical rent
$1,088 a month
7.1% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Port Huron is in St. Clair 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 St. Clair County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Port Huron apart

What this place has that others do not, from public data, most unusual first.

  1. 62% of households in Port Huron own their home, against 81% in St. Clair County.

  2. The typical home in Port Huron is worth $149,300, 34% less than in St. Clair County as a whole ($224,600).

  3. The typical household income in Port Huron is $50,366, 29% less than in St. Clair County as a whole ($71,270).

  4. Port Huron has the 13th largest share of rent-burdened renters of the 168 cities in Michigan with more than 5,000 people (65%).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Port Huron

What homes there are in Port Huron, 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

The detached house is still the most common home in Port Huron, but it weighs less than in St. Clair County: 70% against 79%.

Year built

Homes in Port Huron are older: the typical year built is 1955; in St. Clair County, 1975.

There are fewer big homes in Port Huron than in St. Clair County: 57% have 3 bedrooms or more, against 71%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

At least 96% of owner-occupied homes in Port Huron are worth less than $500,000, below the FHA loan limit for St. Clair County ($541,287).

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for St. Clair County is $1,459; about 87% of rents in Port Huron are below it.

With a mortgage

$1,140 a month

St. Clair County: $1,469 a month

Without a mortgage

$562 a month

St. Clair County: $600 a month

Owners with a mortgage

58%

St. Clair County: 57%

In Port Huron, 58% of owners have a mortgage, and their typical cost is $1,140 a month, against $1,469 in St. Clair County. Without one it drops to $562.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Port Huron rose 72%; in St. Clair County, it rose 46%.

The typical rent in Port Huron rose 26% since 2015–2019, about the same as in St. Clair County (26%).

While home values in Port Huron changed +72% and rent +26%, the typical household income rose 30%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasurePort HuronSt. Clair CountyMichiganUnited States
Rental vacancy Unreliable estimate3.5%5.1%5.5%
Homeowner vacancy Unreliable estimate0.5%0.8%0.9%
More than one person per room Unreliable estimate1.1%1.6%3.4%
People per household 2.212.342.422.53
Drive alone 74%80%74%69%
Carpool 13%9%8%9%
Public transit 3%1%1%3%
Walk or bike 3%2%2%3%
Work from home 6%8%14%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Port Huron has 2.21 people, fewer than in St. Clair County (2.34).

Carpooling is common in Port Huron: 13% of workers get to work that way, against 9% in St. Clair County.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Port Huron?

A typical home is tight for the typical income

We start with a typical home in Port Huron, worth $149,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Port Huron, which is $50,366 a year. For that payment to be 28% of income, a household would need to earn about $55,522 a year.

The calculator's FHA and conventional loan limits are those of all of St. Clair County.

Your numbers

Local data
$

Starts at the typical home value in Port Huron. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $5,226 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,296

at 7.18% · 30 years

Loan amount
$146,595
Total interest
$210,916
Paid off in
November 2056

Includes $2,521 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,175 a month

  • Tight

    $1,175 to $1,511 a month

    Your payment · 31%

  • Hard

    more than $1,511 a month

Compared with the typical household income in Port Huron ($50,366 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,296
Principal & interest$993
Property tax$174
Home insurance$62
FHA mortgage insurance (MIP)$66

You need at least $5,226 for the down payment, plus closing costs.

Next step

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.

The city and its county

Port Huron and St. Clair County

Port Huron is in St. Clair 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).

Port Huron's own numbers

Typical home value
$149,300
Typical monthly rent
$982
Typical yearly household income
$50,366
Households that own their home
62%
Effective property tax rate
1.4%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of St. Clair 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)
+49%
Homes in a high flood-risk zone
11%

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 St. Clair County.

Everything about St. Clair County

Buying

Buying a home in Port Huron

A typical home in Port Huron is worth $149,300: 34% below the county and 36% below Michigan. With the typical household income in Port Huron ($50,366 a year), a typical home costs 3.0 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.

  • Port Huron 3.0 years
  • St. Clair 3.2 years
  • Michigan 3.2 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in St. Clair County

According to FHFA’s house price index, home prices in St. Clair County rose 97% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of St. Clair County.

Period County Michigan U.S.
Last year (2025) +4.8% +4.7% +2.9%
5 years (2020–2025) +49% +52% +47%
10 years (2015–2025) +97% +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

Port Huron next to St. Clair 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
  • Port Huron $149,300
  • St. Clair $224,600
  • Michigan $231,600
  • United States $332,700
Typical monthly rent
  • Port Huron $982
  • St. Clair $1,029
  • Michigan $1,129
  • United States $1,413
Typical yearly household income
  • Port Huron $50,366
  • St. Clair $71,270
  • Michigan $72,875
  • United States $80,734
See the full table
Port Huron next to St. Clair County and Michigan
Measure Port Huron St. Clair County Michigan U.S.
Typical home value $149,300 $224,600 $231,600 $332,700
Typical monthly rent $982 $1,029 $1,129 $1,413
Typical yearly household income $50,366 $71,270 $72,875 $80,734
Households that own their home 62% 81% 73% 65%
Typical yearly property tax $2,089 $2,562 $2,904 $3,119
Effective property tax rate 1.4% 1.14% 1.25% 0.94%
Renters with high rent for their income 65% 55% 50% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below St. Clair 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 Port Huron

For a typical $149,300 home in Port Huron, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Port Huron's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,296a month

    Least cash to close
    Down payment
    $5,226
    Cash to close
    $9,705
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $66

  • Conventional, 5% down $1,268a month

    Down payment
    $7,465
    Cash to close
    $11,944
    Rate
    7.18%
    Mortgage insurance
    PMI · $71

  • Conventional, 20% down, no PMI $1,046a month

    Down payment
    $29,860
    Cash to close
    $34,339
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,184a month

    Down payment
    $22,395
    Cash to close
    $26,874
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Port Huron and for St. Clair County.

Property tax

Effective rate in Port Huron

1.4%of the home’s value each year

$2,089 a year for the typical owner in Port Huron.

  • Port Huron 1.4%
  • St. Clair 1.14%
  • Michigan 1.25%

What Michigan publishes Principal Residence Exemption (PRE) from school operating tax (Michigan Legislature (Michigan Compiled Laws))

Exemptions and deadlines in Michigan

Flood risk in St. Clair County

FEMA does not publish these numbers by city: they are for all of St. Clair County.

Homes in the high-risk zone
11%
6,574
Of those, with NFIP insurance
18%
County Michigan U.S.
Homes in the high-risk zone 11% 1.6% 3.5%
Of those, with NFIP insurance 18% 18% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Port Huron

Typical rent in Port Huron is $982 a month: 5% below the county. In Port Huron, 65% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of St. Clair 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 fair market rent for all of St. Clair County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,047 $20.13 $41,880
1 bedroom $1,167 $22.44 $46,680
2 bedrooms $1,459 $28.06 $58,360
3 bedrooms $1,777 $34.17 $71,080
4 bedrooms $1,929 $37.10 $77,160

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Port Huron

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Port Huron is in ZIP code 48060.

For 2 bedrooms it is $1,230: $229 less than the fair market rent for St. Clair County ($1,459).

  • 48060 $1,230$1,500

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Port Huron when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Port Huron

HUD lists 18 buildings with rents for lower incomes in Port Huron. These are the largest.

  • North Port 2629 Krafft Rd, Port Huron 48060 250 low-income homes · For older adults (810) 987-1606
  • Desmond-Peru Villag 705 Pine St, Port Huron 48060 206 homes, 205 low-income · Run by Port Huron Housing Commission · Average payment: $384 a month · Average wait: 13 months (810) 984-3173
  • Dorchester Court 2436 Dorchester, Port Huron 48060 131 low-income homes · 1 bd: 49 · 2 bd: 66 · 3 bd: 16 · In service since 2003 · For people with disabilities, families
  • Village Manor Apartments 3145 Electric Ave, Port Huron 48060 123 low-income homes · 1 bd: 12 · 2 bd: 86 · 3 bd: 25 · In service since 2015 · For families (810) 985-9584
  • Brookstone Place I 3993 Sterling Dr, Port Huron 48060 120 low-income homes · 1 bd: 16 · 2 bd: 72 · 3 bd: 32 · In service since 1999

See all 31 buildings in St. Clair County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Port Huron

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 is 1 HUD-approved agency with an office in St. Clair County; none says it serves in Spanish.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Port Huron

No down payment, repair or rent-help program on our list is for Port Huron or St. Clair County. The ones below are statewide in Michigan: they work in Port Huron the same as in the rest of the state.

Which programs do I qualify for? All programs in Michigan

  • MI 10K DPA Loan

    Statewide in Michigan

    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).

    Deferred

    See the program Official page

  • Mortgage Credit Certificate (MCC)

    Statewide in Michigan

    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).

    Tax credit

    See the program Official page

Housing counselors near Port Huron

The HUD-approved agencies closest to the center of Port Huron, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Blue Water Community Action Agency

    3403 Lapeer Rd, Port Huron · 2 miles away

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 2 more
    (810) 982-8541

  • Msue- Macomb County (clinton Township)

    21885 Dunham Rd., Suite 12, Clinton TWP · 35 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 3 more
    (586) 469-7609

  • Community Housing Network, Inc

    5505 Corporate Dr Ste 300, Troy · 46 miles away · Spanish

    Also serves in Arabic, American Sign Language (ASL), Cambodian, Cantonese, and 19 more languages.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (248) 269-1333

Every agency in St. Clair County All counseling agencies in Michigan

Help in Spanish near Port Huron

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Port Huron

HUD’s record names them for Port Huron or St. Clair County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Port Huron Housing Commission Public housing and Section 8 vouchers (810) 984-3173

3 other authorities have an office in St. Clair County: see the list Source: HUD

Cities

Other cities in St. Clair County

These cities are also in St. Clair County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about St. Clair County Housing in Michigan

Nearby cities

The cities closest to Port Huron, with the typical home value.

Neighboring counties

If St. Clair County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Port Huron.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Port Huron

Short answers with the numbers for Port Huron and all of St. Clair 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 Port Huron?

The typical home value in Port Huron is $149,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in St. Clair County it is $224,600.

How much does it cost to rent in Port Huron?

Typical rent in Port Huron is $982 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in St. Clair County is $1,459.

What is the FHA loan limit in Port Huron?

Port Huron uses the FHA limit for all of St. Clair 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 Port Huron?

The typical homeowner in Port Huron pays $2,089 a year, according to the U.S. Census Bureau. That is 1.4% of the home’s value; in St. Clair County, the rate is 1.14%.

Where can I find free help to buy or rent in Port Huron?

There is 1 HUD-approved counseling agency with an office in St. Clair County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).