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City · 5,585 residents · St. Clair County, Michigan

St. Clair , Michigan

In St. Clair, a typical home is worth $223,200 and typical rent is $1,113 a month. Compared with all of St. Clair County, typical rent is 8% higher and the share of households that own their home is 13 points lower.

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  • Typical home value

    $223,200

    About the same as the county

    4% below Michigan

    • St. Clair
    • County
    • Michigan

  • Typical rent

    $1,113a month

    8% above the county

    About the same as Michigan

    • St. Clair
    • County
    • Michigan

  • Typical household income

    $69,688a year

    2% below the county

    4% below Michigan

    • St. Clair
    • County
    • Michigan

  • Households that own their home

    68%

    13 points below the county

    5 points below Michigan

    • St. Clair
    • County
    • Michigan

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

Market now, with Zillow data

Zillow data
Typical home value
$318,447
4.2% more than 12 months ago

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

St. Clair 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 St. Clair apart

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

  1. Nearby, in Port Huron, the typical home value is $149,300: 33% less than in St. Clair ($223,200).

  2. Nearby, in Richmond, the typical rent is $864: 22% less than in St. Clair ($1,113).

  3. 68% of households in St. Clair own their home, against 81% in St. Clair County.

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

The homes here

Housing in St. Clair

What homes there are in St. Clair, 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

As in St. Clair County, most homes in St. Clair are detached houses (78%).

Year built

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
Monthly rent with utilities

With a mortgage

$1,468 a month

St. Clair County: $1,469 a month

Without a mortgage

$626 a month

St. Clair County: $600 a month

Owners with a mortgage

55%

St. Clair County: 57%

In St. Clair, 55% of owners have a mortgage; their typical cost is $1,468 a month, about the same as in St. Clair County.

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 St. Clair rose 42%; in St. Clair County, it rose 46%.

Since 2015–2019, the typical rent in St. Clair rose 51%, more than in St. Clair County (26%).

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

MeasureSt. ClairSt. 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 2.322.342.422.53
Drive alone 85%80%74%69%
Carpool Unreliable estimate9%8%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate8%14%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in St. Clair County, a household in St. Clair has 2.32 people on average.

To get to work, 85% of workers in St. Clair drive alone; in St. Clair County, 80%.

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 St. Clair?

A typical home is tight for the typical income

We start with a typical home in St. Clair, worth $223,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in St. Clair, which is $69,688 a year. For that payment to be 28% of income, a household would need to earn about $83,961 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 St. Clair. 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 $7,812 (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

$1,959

at 7.18% · 30 years

Loan amount
$219,157
Total interest
$315,316
Paid off in
November 2056

Includes $3,769 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,626 a month

  • Tight

    $1,626 to $2,091 a month

    Your payment · 34%

  • Hard

    more than $2,091 a month

Compared with the typical household income in St. Clair ($69,688 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,959
Principal & interest$1,485
Property tax$283
Home insurance$93
FHA mortgage insurance (MIP)$99

You need at least $7,812 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

St. Clair and St. Clair County

St. Clair 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).

St. Clair's own numbers

Typical home value
$223,200
Typical monthly rent
$1,113
Typical yearly household income
$69,688
Households that own their home
68%
Effective property tax rate
1.52%

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 St. Clair

A typical home in St. Clair is worth $223,200: about the same as the county and 4% below Michigan. With the typical household income in St. Clair ($69,688 a year), a typical home costs 3.2 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 3.2 years
  • County 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

St. Clair 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
  • St. Clair $223,200
  • County $224,600
  • Michigan $231,600
  • United States $332,700
Typical monthly rent
  • St. Clair $1,113
  • County $1,029
  • Michigan $1,129
  • United States $1,413
Typical yearly household income
  • St. Clair $69,688
  • County $71,270
  • Michigan $72,875
  • United States $80,734
See the full table
St. Clair next to St. Clair County and Michigan
Measure St. Clair St. Clair County Michigan U.S.
Typical home value $223,200 $224,600 $231,600 $332,700
Typical monthly rent $1,113 $1,029 $1,129 $1,413
Typical yearly household income $69,688 $71,270 $72,875 $80,734
Households that own their home 68% 81% 73% 65%
Typical yearly property tax $3,397 $2,562 $2,904 $3,119
Effective property tax rate 1.52% 1.14% 1.25% 0.94%

“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 St. Clair

For a typical $223,200 home in St. Clair, 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's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,959a month

    Least cash to close
    Down payment
    $7,812
    Cash to close
    $14,508
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $99

  • Conventional, 5% down $1,918a month

    Down payment
    $11,160
    Cash to close
    $17,856
    Rate
    7.18%
    Mortgage insurance
    PMI · $106

  • Conventional, 20% down, no PMI $1,585a month

    Down payment
    $44,640
    Cash to close
    $51,336
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,792a month

    Down payment
    $33,480
    Cash to close
    $40,176
    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 St. Clair and for St. Clair County.

Property tax

Effective rate in St. Clair

1.52%of the home’s value each year

$3,397 a year for the typical owner in St. Clair.

  • St. Clair 1.52%
  • County 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 St. Clair

Typical rent in St. Clair is $1,113 a month: 8% above the county.

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 St. Clair

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). St. Clair is in ZIP code 48079.

For 2 bedrooms it is $1,410: $49 less than the fair market rent for St. Clair County ($1,459).

  • 48079 $1,410$1,720

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for St. Clair 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 St. Clair

HUD lists one building with rents for lower incomes in St. Clair.

  • Palmer Park Manor 400 S 3rd St, St Clair 48079 62 low-income homes · Run by Saint Clair Housing Commission · Average payment: $376 a month · Average wait: 6 months (810) 329-9141

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

Free help

Help to buy or rent in St. Clair

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 man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in St. Clair

No down payment, repair or rent-help program on our list is for St. Clair or St. Clair County. The ones below are statewide in Michigan: they work in St. Clair 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 St. Clair

The HUD-approved agencies closest to the center of St. Clair, 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 · 11 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 · 25 miles away

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

  • Msue- Macomb County (WARREN)

    11370 Hupp Avenue, Warren · 37 miles away

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

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

Help in Spanish near St. Clair

None of the 3 agencies on this list say they serve 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 St. Clair

In HUD’s record, no housing authority with an office in St. Clair County is named for St. Clair or St. Clair County.

4 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 St. Clair, 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 St. Clair.

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

Questions

Housing questions about St. Clair

Short answers with the numbers for St. Clair 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 St. Clair?

The typical home value in St. Clair is $223,200, 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 St. Clair?

Typical rent in St. Clair is $1,113 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 St. Clair?

St. Clair 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 St. Clair?

The typical homeowner in St. Clair pays $3,397 a year, according to the U.S. Census Bureau. That is 1.52% 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 St. Clair?

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).