In St. Johns, a typical home is worth $192,400 and typical rent is $887 a month. Compared with all of Clinton County, the typical home value is 26% lower, typical household income is 22% lower, and the share of households that own their home is 13 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $231,241 to $292,948.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
St. Johns is in Clinton 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 Clinton County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Owosso, the typical home value is $132,600: 31% less than in St. Johns ($192,400).
2
The typical home in St. Johns is worth $192,400,26% less than in Clinton County as a whole ($259,500).
3
The typical household income in St. Johns is $68,728,22% less than in Clinton County as a whole ($88,210).
4
70% of households in St. Johns own their home, against 82% in Clinton County.
5
The typical rent in St. Johns is $887 a month, 19% less than in Clinton County as a whole ($1,092).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in St. Johns
What homes there are in St. Johns, 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. Johns
Clinton County
Michigan
United States
Kind of home: St. Johns and its comparisons
Measure
St. Johns
Clinton County
Michigan
United States
Detached house
71%
77%
72%
61%
Attached house
Unreliable estimate
3%
5%
6%
Building of 2 to 4
8%
3%
5%
8%
Apartments (5 or more)
14%
11%
13%
19%
Mobile home
4%
6%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in St. Johns, but it weighs less than in Clinton County: 71% against 77%.
Year built
Before 19601960–19791980–19992000–20092010 or later
St. Johns
Clinton County
Michigan
United States
Year built: St. Johns and its comparisons
Measure
St. Johns
Clinton County
Michigan
United States
Before 1960
43%
26%
36%
26%
1960–1979
28%
23%
26%
24%
1980–1999
17%
23%
22%
25%
2000–2009
7%
17%
10%
14%
2010 or later
5%
11%
6%
11%
Homes in St. Johns are older: the typical year built is 1967; in Clinton County, 1981.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitCould be either sideUnreliable estimate
Under $100K13%
$100K–$200K41%
$200K–$300K33%
$300K–$500K14%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: St. Johns and its comparisons
Measure
St. Johns
Under $100K
13%
$100K–$200K
41%
$200K–$300K
33%
$300K–$500K
14%
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable
The FHA limit for Clinton County is high ($541,287): at least 100% of owner-occupied homes in St. Johns are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99956%
$1,000–$1,49929%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: St. Johns and its comparisons
Measure
St. Johns
Under $500
Unreliable estimate
$500–$999
56%
$1,000–$1,499
29%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,416 a month
Clinton County: $1,726 a month
Without a mortgage
$649 a month
Clinton County: $625 a month
Owners with a mortgage
63%
Clinton County: 61%
The typical cost for an owner with a mortgage in St. Johns is $1,416 a month, less than in Clinton County ($1,726); without one, $649.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
St. Johns+57%
Clinton County+50%
Michigan+50%
United States+53%
Typical rent
St. Johns+15%
Clinton County+30%
Michigan+30%
United States+33%
Typical household income
St. Johns+22%
Clinton County+25%
Michigan+28%
United States+29%
Change since 2015–2019: St. Johns and its comparisons
Measure
St. Johns
Clinton County
Michigan
United States
Typical home value
+57%
+50%
+50%
+53%
Typical rent
+15%
+30%
+30%
+33%
Typical household income
+22%
+25%
+28%
+29%
From 2015–2019 to 2020–2024, the typical home value in St. Johns rose 57%; in Clinton County, it rose 50%.
Rents in St. Johns rose more slowly than in Clinton County: 15% since 2015–2019, against 30%.
To compare: typical income in St. Johns rose 22%; the home, +57%; the rent, +15%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: St. Johns and its comparisons
Measure
St. Johns
Clinton County
Michigan
United States
Rental vacancy
Unreliable estimate
9.6%
5.1%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
1.0%
1.6%
3.4%
People per household
2.29
2.49
2.42
2.53
Drive alone
74%
76%
74%
69%
Carpool
Unreliable estimate
5%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
18%
16%
14%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in St. Johns are smaller: 2.29 people on average; in Clinton County, 2.49.
To get to work, 74% of workers in St. Johns drive alone; in Clinton County, 76%.
Do the math
What would you pay each month for a home in St. Johns?
A typical home is tight for the typical income
We start with a typical home in St. Johns, worth $192,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in St. Johns, which is $68,728 a year. For that payment to be 28% of income, a household would need to earn about $72,100 a year.
The calculator's FHA and conventional loan limits are those of all of Clinton 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. Johns. 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 $6,734 (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
$1,682
at 7.18% · 30 years
Loan amount
$188,915
Total interest
$271,805
Paid off in
November 2056
Includes $3,249 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,604 a month
Tight
$1,604 to $2,062 a month
Your payment · 29%
Hard
more than $2,062 a month
Compared with the typical household income in St. Johns ($68,728 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,280
Property tax
$237
Home insurance
$80
FHA mortgage insurance (MIP)
$85
You need at least $6,734 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 $1,682; principal and interest $1,280.
The city and its county
St. Johns and Clinton County
St. Johns is in Clinton 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. Johns
Map of Clinton County, Michigan, with St. Johns marked. Around it, the neighboring counties.
St. Johns
Clinton County
Other cities with a page
St. Johns's own numbers
Typical home value
$192,400
Typical monthly rent
$887
Typical yearly household income
$68,728
Households that own their home
70%
Effective property tax rate
1.48%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Clinton County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,323
Price change over 5 years (FHFA)
+49%
Homes in a high flood-risk zone
1.7%
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 Clinton County.
A typical home in St. Johns is worth $192,400: 26% below the county and 17% below Michigan. With the typical household income in St. Johns ($68,728 a year), a typical home costs 2.8 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. Johns2.8 years
Clinton2.9 years
Michigan3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Clinton County
According to FHFA’s house price index, home prices in Clinton County rose 92% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Clinton County.
Yearly change in FHFA’s price index in Clinton County, 2016 to 2025
2016: +4.6% +4.6% 2016
2017: +7.0% +7.0% 2017
2018: +4.7% +4.7% 2018
2019: +5.6% +5.6% 2019
2020: +4.2% +4.2% 2020
2021: +9.7% +9.7% 2021
2022: +12.3% +12.3% 2022
2023: +9.4% +9.4% 2023
2024: +5.0% +5.0% 2024
2025: +5.4% +5.4% 2025
Change in FHFA’s price index in Clinton County, Michigan and the United States
Period
County
Michigan
U.S.
Last year (2025)
+5.4%
+4.7%
+2.9%
5 years (2020–2025)
+49%
+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. Johns next to Clinton 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. Johns$192,400
Clinton$259,500
Michigan$231,600
United States$332,700
Typical monthly rent
St. Johns$887
Clinton$1,092
Michigan$1,129
United States$1,413
Typical yearly household income
St. Johns$68,728
Clinton$88,210
Michigan$72,875
United States$80,734
See the full table
St. Johns next to Clinton County and Michigan
Measure
St. Johns
Clinton County
Michigan
U.S.
Typical home value
$192,400 ▼26% below the county
$259,500
$231,600
$332,700
Typical monthly rent
$887 ▼19% below the county
$1,092
$1,129
$1,413
Typical yearly household income
$68,728 ▼22% below the county
$88,210
$72,875
$80,734
Households that own their home
70% ▼13 points below the county
82%
73%
65%
Typical yearly property tax
$2,843 ▼11% below the county
$3,185
$2,904
$3,119
Effective property tax rate
1.48% ▲0.25 points above the county
1.23%
1.25%
0.94%
Renters with high rent for their income
40% ▼3 points below the county
44%
50%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Clinton 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. Johns
For a typical $192,400 home in St. Johns, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, St. Johns's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,682a month
Least cash to close
Down payment
$6,734
Cash to close
$12,506
Rate
7.18%
Mortgage insurance
FHA MIP · $85
Conventional, 5% down$1,647a month
Down payment
$9,620
Cash to close
$15,392
Rate
7.18%
Mortgage insurance
PMI · $91
Conventional, 20% down, no PMI$1,360a month
Down payment
$38,480
Cash to close
$44,252
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,538a month
Down payment
$28,860
Cash to close
$34,632
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in St. Johns
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,682
$6,734
$188,915
7.18%
FHA MIP · $85
$12,506
580
Conventional, 5% down
$1,647
$9,620
$182,780
7.18%
PMI · $91
$15,392
620*
Conventional, 20% down, no PMI
$1,360
$38,480
$153,920
7.18%
None
$44,252
620*
ITIN, 15% down (example)
$1,538
$28,860
$163,540
8.18%
None
$34,632
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. Johns is $887 a month: 19% below the county. In St. Johns, 40% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Clinton County, by unit size. To pay the 2-bedroom one ($1,323 a month) without spending more than 30% of your income, you would need to earn $25.44 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 Clinton County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,036
$19.92
$41,440
1 bedroom
$1,054
$20.27
$42,160
2 bedrooms
$1,323
$25.44
$52,920
3 bedrooms
$1,685
$32.40
$67,400
4 bedrooms
$1,739
$33.44
$69,560
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. Johns
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). St. Johns is in ZIP code 48879.
For 2 bedrooms it is $1,150: $173 less than the fair market rent for Clinton County ($1,323).
Fair market rent by ZIP code and size in St. Johns, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
48879
$880
$920
$1,150
$1,470
$1,520
ZIP code2 bd3 bd
48879 $1,150$1,470
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. Johns 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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.
We found no HUD-approved agencies with an office in Clinton County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for St. Johns or Clinton County. The ones below are statewide in Michigan: they work in St. Johns 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).
No legal help resource on our list is for St. Johns or Clinton 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. Johns and all of Clinton 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. Johns?
The typical home value in St. Johns is $192,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Clinton County it is $259,500.
How much does it cost to rent in St. Johns?
Typical rent in St. Johns is $887 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Clinton County is $1,323.
What is the FHA loan limit in St. Johns?
St. Johns uses the FHA limit for all of Clinton 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. Johns?
The typical homeowner in St. Johns pays $2,843 a year, according to the U.S. Census Bureau. That is 1.48% of the home’s value; in Clinton County, the rate is 1.23%.
Where can I find free help to buy or rent in St. Johns?
We found no HUD-approved counseling agencies with an office in Clinton County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
