Saint Clair Shores, MI—48081
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Saint Clair Shores, MI
As of Oct '25, the median home price in Saint Clair Shores, MI is $235,000, with a year-over-year change of 3.8%. This indicates that home prices in Saint Clair Shores, MI are increasing. According to Zillow, the 1-year price projection is 1.3%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $235,000 | 3.8% |
| Single Family | $237,000 | 4.4% |
| Condos | $114,000 | 5.6% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $90,000 | 11.1% |
2 Bed | $198,000 | 6.5% |
3 Bed | $236,000 | 4.0% |
4 Bed | $311,000 | 4.0% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Saint Clair Shores, MI
As of July '25, Rentcast reports the average rent in Saint Clair Shores, MI is $1,440, with a year-over-year rent change of -10.0%. Per bedroom, the median rent as of July '25 in Saint Clair Shores, MI is 1-bedrooms: $1,050, 2-bedrooms: $1,350, 3-bedrooms: $1,690. The most common rental property sizes in Saint Clair Shores, MI are 3-bedroom and 1-bedroom, accounting for 36.1% and 26.5% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,500 | $1,440 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,100 | $1,050 |
| 2 Bed Rent | $1,350 | $1,350 |
| 3 Bed Rent | $1,750 | $1,690 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Saint Clair Shores, MI
As of Oct '25, Realtor.com reports that the median days on market for a home in Saint Clair Shores, MI is 42. This is a increase of 17.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 33.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $277,000 | 12.0% |
Listing Count | 73 | 13.0% |
| Listings as % of Homes | 0.5% | 13.0% |
Days on Market | 42 | 17.0% |
Demographics — Saint Clair Shores, MI
As of the latest ACS Survey released in 2023, Saint Clair Shores, MI has a population of 20,300, which has decreased by -1.8% over the past 5 years. Saint Clair Shores, MI is a moderately popular place for families, as children make up 17.8% of the population. The area has a moderately educated workforce, with 27.4% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 13.1% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 20,300 | -1.8% |
% Under 18 | 17.8% | -6.3% |
% Seniors | 23.2% | 18.4% |
% WFH | 13.1% | 495.5% |
% w/ College Degree | 27.4% | 11.8% |
As of the latest ACS Survey released in 2023, Saint Clair Shores, MI is a predominantly white area, with 92.1% of the population identifying as white. The white population has grown by 0.1% in the last 5 years. The second most common race or ethnicity in Saint Clair Shores, MI is black, making up 2.7% of the population. Foreign-born residents account for 3.2% of the population in Saint Clair Shores, MI, and this percentage has remained stable as of the ACS Survey 5 years prior, suggesting immigration has remained steady.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 92.1% | 0.1% |
% Black | 2.7% | -18.2% |
% Hispanic | 1.6% | -38.5% |
% Asian | 0.8% | 60.0% |
% Foreign Born | 3.2% | 0.0% |
Mortgage and Risk — Saint Clair Shores, MI
According to HUD data as of 2023, there were 503 mortgage originations in Saint Clair Shores, MI, of which 83.0% of loans were conventional mortgages. The average loan-to-value was 62.0%, with 31.0% above 90% LTV (very high). This implies large mortgage risk in Saint Clair Shores, MI. Investor activity is low, as 1.0% of loans were by investors. 16.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 503 |
% Conventional Loans | 83.0% |
% Government Loans | 17.0% |
% Investor Loans | 1.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 16.0% |
Loan Activity
Rentals and Section 8 — Saint Clair Shores, MI
Saint Clair Shores, MI lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 25 |
Total Units Section 8 | 16 |
% Rentals under Section 8 | 1.2% |
% Occupied Section 8 | 83.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $10 | $1,100 | $1,110 |
| 2 Bedroom | $50 | $1,350 | $1,400 |
| 3 Bedroom | -$40 | $1,750 | $1,710 |
| 4 Bedroom | N/A | N/A | $1,860 |
Affordability — Saint Clair Shores, MI
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.7 |
| Median Home Price | $235,000 |
| Median Household Income | $75,700 |