Saint Clair Shores, MI—48082
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 $222,000, with a year-over-year change of 2.2%. This indicates that home prices in Saint Clair Shores, MI are increasing. According to Zillow, the 1-year price projection is 1.4%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $222,000 | 2.3% |
| Single Family | $227,000 | 2.3% |
| Condos | $175,000 | 4.2% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $183,000 | 3.4% |
3 Bed | $226,000 | 2.3% |
4 Bed | $272,000 | 3.0% |
| 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 $2,080, with a year-over-year rent change of 26.1%. Per bedroom, the median rent as of July '25 in Saint Clair Shores, MI is 1-bedrooms: $1,100, 2-bedrooms: $1,530, 3-bedrooms: $1,890, 4-bedrooms: $1,870. The most common rental property sizes in Saint Clair Shores, MI are 3-bedroom and 1-bedroom, accounting for 44.3% and 25.0% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,800 | $2,080 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,100 | $1,100 |
| 2 Bed Rent | $1,450 | $1,530 |
| 3 Bed Rent | $1,900 | $1,890 |
| 4 Bed Rent | $1,870 | $1,870 |
% 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 34. This is a increase of 26.0% 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 44.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $238,000 | 2.0% |
Listing Count | 68 | 17.0% |
| Listings as % of Homes | 0.4% | 17.0% |
Days on Market | 34 | 26.0% |
Demographics — Saint Clair Shores, MI
As of the latest ACS Survey released in 2023, Saint Clair Shores, MI has a population of 16,200, which has decreased by -2.3% over the past 5 years. Saint Clair Shores, MI is a moderately popular place for families, as children make up 19.5% of the population. The area has a moderately educated workforce, with 26.6% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 13.3% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 16,200 | -2.3% |
% Under 18 | 19.5% | 7.7% |
% Seniors | 19.6% | -3.9% |
% WFH | 13.3% | 432.0% |
% w/ College Degree | 26.6% | 30.4% |
As of the latest ACS Survey released in 2023, Saint Clair Shores, MI is a predominantly white area, with 90.6% of the population identifying as white. The white population has shrunk by 2.1% in the last 5 years. The second most common race or ethnicity in Saint Clair Shores, MI is black, making up 4.1% 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 | 90.6% | -2.1% |
% Black | 4.1% | 141.2% |
% Hispanic | 1.7% | -37.0% |
% Asian | 0.2% | -66.7% |
% Foreign Born | 3.2% | 0.0% |
Mortgage and Risk — Saint Clair Shores, MI
According to HUD data as of 2023, there were 473 mortgage originations in Saint Clair Shores, MI, of which 83.0% of loans were conventional mortgages. The average loan-to-value was 66.0%, with 33.0% above 90% LTV (very high). This implies large mortgage risk in Saint Clair Shores, MI. Investor activity is low, as 2.0% 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 | 473 |
% Conventional Loans | 83.0% |
% Government Loans | 17.0% |
% Investor Loans | 2.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 16.0% |
Loan Activity
Rentals and Section 8 — Saint Clair Shores, MI
As of 2024, the percent of homes in Saint Clair Shores, MI under the Section 8 program is 2.7%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 1-bedroom and 2-bedroom and 4-bedroom units appear to be good home sizes to consider for Section 8 housing in Saint Clair Shores, MI, because HUD payments exceed market rent, while 3-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 27 |
Total Units Section 8 | 20 |
% Rentals under Section 8 | 2.7% |
% Occupied Section 8 | 84.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $100 | $1,100 | $1,200 |
| 2 Bedroom | $70 | $1,450 | $1,520 |
| 3 Bedroom | -$40 | $1,900 | $1,860 |
| 4 Bedroom | $150 | $1,870 | $2,020 |
Affordability — Saint Clair Shores, MI
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.5 |
| Median Home Price | $222,000 |
| Median Household Income | $76,400 |