In St. Clair Shores, a typical home is worth $210,700 and typical rent is $1,183 a month. Compared with all of Macomb County, the typical home value is 14% lower, typical household income is 6% lower, and the share of households that own their home is 8 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $181,266 to $227,664.
Typical rent
$1,707a month
▲ 5.3% more than 12 months ago
Typical rent from Zillow, September 2022 to September 2026: from $1,443 to $1,707.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
St. Clair Shores 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
Nearby, in Eastpointe, the typical home value is $142,200: 33% less than in St. Clair Shores ($210,700).
2
Nearby, in Fraser, the typical rent is $843: 29% less than in St. Clair Shores ($1,183).
3
83% of households in St. Clair Shores own their home, against 75% in Macomb County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in St. Clair Shores
What homes there are in St. Clair Shores, 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
St. Clair Shores
Macomb County
Michigan
United States
Kind of home: St. Clair Shores and its comparisons
Measure
St. Clair Shores
Macomb County
Michigan
United States
Detached house
82%
68%
72%
61%
Attached house
5%
10%
5%
6%
Building of 2 to 4
3%
4%
5%
8%
Apartments (5 or more)
10%
14%
13%
19%
Mobile home
Unreliable estimate
4%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In St. Clair Shores, 8 in 10 homes are single-family detached houses; in Macomb County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
St. Clair Shores
Macomb County
Michigan
United States
Year built: St. Clair Shores and its comparisons
Measure
St. Clair Shores
Macomb County
Michigan
United States
Before 1960
63%
25%
36%
26%
1960–1979
28%
33%
26%
24%
1980–1999
6%
24%
22%
25%
2000–2009
2%
12%
10%
14%
2010 or later
1%
6%
6%
11%
Homes in St. Clair Shores are older: the typical year built is 1957; in Macomb County, 1975.
Homes in St. Clair Shores are bigger: 72% have 3 bedrooms or more; in Macomb County, 67%.
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 $100K7%
$100K–$200K36%
$200K–$300K45%
$300K–$500K9%
$500K–$750K2%
FHA limit: $541,287
$750K–$1M0%
$1M or moreUnreliable
Value of owner-occupied homes: St. Clair Shores and its comparisons
Measure
St. Clair Shores
Under $100K
7%
$100K–$200K
36%
$200K–$300K
45%
$300K–$500K
9%
$500K–$750K
2%
$750K–$1M
0%
$1M or more
Unreliable estimate
The FHA loan limit for Macomb County is $541,287, and about 97% of owner-occupied homes in St. Clair Shores are worth less than that.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5006%
$500–$99932%
$1,000–$1,49934%
HUD fair market rent, 2 bedrooms: $1,459
$1,500–$1,99919%
$2,000–$2,4998%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: St. Clair Shores and its comparisons
Measure
St. Clair Shores
Under $500
6%
$500–$999
32%
$1,000–$1,499
34%
$1,500–$1,999
19%
$2,000–$2,499
8%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
About 68% of rented homes in St. Clair Shores cost less than HUD's 2-bedroom fair market rent for Macomb County ($1,459).
With a mortgage
$1,456 a month
Macomb County: $1,628 a month
Without a mortgage
$559 a month
Macomb County: $643 a month
Owners with a mortgage
62%
Macomb County: 62%
In St. Clair Shores, 62% of owners have a mortgage, and their typical cost is $1,456 a month, against $1,628 in Macomb County. Without one it drops to $559.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
St. Clair Shores+55%
Macomb County+46%
Michigan+50%
United States+53%
Typical rent
St. Clair Shores+20%
Macomb County+26%
Michigan+30%
United States+33%
Typical household income
St. Clair Shores+21%
Macomb County+24%
Michigan+28%
United States+29%
Change since 2015–2019: St. Clair Shores and its comparisons
Measure
St. Clair Shores
Macomb County
Michigan
United States
Typical home value
+55%
+46%
+50%
+53%
Typical rent
+20%
+26%
+30%
+33%
Typical household income
+21%
+24%
+28%
+29%
The typical home value in St. Clair Shores rose 55% since 2015–2019, more than in Macomb County (46%).
Since 2015–2019, the typical rent in St. Clair Shores rose 20%, less than in Macomb County (26%).
While home values in St. Clair Shores changed +55% and rent +20%, the typical household income rose 21%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: St. Clair Shores and its comparisons
Measure
St. Clair Shores
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
0.6%
1.8%
1.6%
3.4%
People per household
2.12
2.43
2.42
2.53
Drive alone
77%
76%
74%
69%
Carpool
7%
8%
8%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
1%
1%
2%
3%
Work from home
14%
13%
14%
15%
Other means
1%
1%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
More than one person per room: that is how 0.6% of households in St. Clair Shores live, less than in Macomb County (1.8%).
Households in St. Clair Shores are smaller: 2.12 people on average; in Macomb County, 2.43.
In St. Clair Shores, 77% of workers drive alone to work; in Macomb County, 76%.
Do the math
What would you pay each month for a home in St. Clair Shores?
A typical home is tight for the typical income
We start with a typical home in St. Clair Shores, worth $210,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in St. Clair Shores, which is $73,500 a year. For that payment to be 28% of income, a household would need to earn about $78,506 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 St. Clair Shores. 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 $7,375 (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
$1,832
at 7.18% · 30 years
Loan amount
$206,883
Total interest
$297,656
Paid off in
November 2056
Includes $3,558 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,715 a month
Tight
$1,715 to $2,205 a month
Your payment · 30%
Hard
more than $2,205 a month
Compared with the typical household income in St. Clair Shores ($73,500 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,401
Property tax
$249
Home insurance
$88
FHA mortgage insurance (MIP)
$93
You need at least $7,375 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 $1,832; principal and interest $1,401.
The city and its county
St. Clair Shores and Macomb County
St. Clair Shores 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).
St. Clair Shores
Map of Macomb County, Michigan, with St. Clair Shores marked. Around it, the neighboring counties.
St. Clair Shores
Macomb County
Other cities with a page
St. Clair Shores's own numbers
Typical home value
$210,700
Typical monthly rent
$1,183
Typical yearly household income
$73,500
Households that own their home
83%
Effective property tax rate
1.42%
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 St. Clair Shores is worth $210,700: 14% below the county and 9% below Michigan. With the typical household income in St. Clair Shores ($73,500 a year), a typical home costs 2.9 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.
St. Clair Shores2.9 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
St. Clair Shores 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
St. Clair Shores$210,700
Macomb$243,900
Michigan$231,600
United States$332,700
Typical monthly rent
St. Clair Shores$1,183
Macomb$1,211
Michigan$1,129
United States$1,413
Typical yearly household income
St. Clair Shores$73,500
Macomb$77,837
Michigan$72,875
United States$80,734
See the full table
St. Clair Shores next to Macomb County and Michigan
Measure
St. Clair Shores
Macomb County
Michigan
U.S.
Typical home value
$210,700 ▼14% below the county
$243,900
$231,600
$332,700
Typical monthly rent
$1,183 ▼2% below the county
$1,211
$1,129
$1,413
Typical yearly household income
$73,500 ▼6% below the county
$77,837
$72,875
$80,734
Households that own their home
83% ▲8 points above the county
75%
73%
65%
Typical yearly property tax
$2,994 ▼12% below the county
$3,404
$2,904
$3,119
Effective property tax rate
1.42% ▲0.02 points above the county
1.4%
1.25%
0.94%
Renters with high rent for their income
46% ▼4 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 St. Clair Shores
For a typical $210,700 home in St. Clair Shores, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, St. Clair Shores's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,832a month
Least cash to close
Down payment
$7,375
Cash to close
$13,696
Rate
7.18%
Mortgage insurance
FHA MIP · $93
Conventional, 5% down$1,793a month
Down payment
$10,535
Cash to close
$16,856
Rate
7.18%
Mortgage insurance
PMI · $100
Conventional, 20% down, no PMI$1,479a month
Down payment
$42,140
Cash to close
$48,461
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,674a month
Down payment
$31,605
Cash to close
$37,926
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in St. Clair Shores
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,832
$7,375
$206,884
7.18%
FHA MIP · $93
$13,696
580
Conventional, 5% down
$1,793
$10,535
$200,165
7.18%
PMI · $100
$16,856
620*
Conventional, 20% down, no PMI
$1,479
$42,140
$168,560
7.18%
None
$48,461
620*
ITIN, 15% down (example)
$1,674
$31,605
$179,095
8.18%
None
$37,926
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 St. Clair Shores is $1,183 a month: 2% below the county. In St. Clair Shores, 46% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Macomb County (Fiscal year 2027)
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 St. Clair Shores
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). St. Clair Shores has 3 ZIP codes with their own.
For 2 bedrooms it runs from $1,400 in 48080 to $1,600 in 48082.
2 of the 3 are above the fair market rent for Macomb County ($1,459).
2-bedroom fair market rent in each of the 3 ZIP codes of St. Clair Shores, beside the one for Macomb County. For 2 bedrooms it runs from $1,400 in 48080 to $1,600 in 48082. 2 of the 3 are above the fair market rent for Macomb County ($1,459).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,459
Lowest: $1,400 (48080)Highest: $1,600 (48082)
Fair market rent by ZIP code and size in St. Clair Shores, fiscal year 2027.
HUD lists one building with rents for lower incomes in St. Clair Shores.
Leisure Manor1000 Blossom Heath Blvd, St Clair Shores 48080251 homes, 250 low-income · Run by St Clair Shores Housing Commission · Average payment: $440 a month · Average wait: 39 months(586) 773-9200
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 St. Clair Shores or Macomb County. The ones below are statewide in Michigan: they work in St. Clair Shores 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 St. Clair Shores, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for St. Clair Shores 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 St. Clair Shores 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 St. Clair Shores?
The typical home value in St. Clair Shores is $210,700, 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 St. Clair Shores?
Typical rent in St. Clair Shores is $1,183 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 St. Clair Shores?
St. Clair Shores 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 St. Clair Shores?
The typical homeowner in St. Clair Shores pays $2,994 a year, according to the U.S. Census Bureau. That is 1.42% of the home’s value; in Macomb County, the rate is 1.4%.
Where can I find free help to buy or rent in St. Clair Shores?
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.
