Saint Clair Shores, MI48082

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value
$222,000
2.3% YoY Growth
Median Household Income
$76,400
33.7% 5-Year Growth
Days on Market
34
26.0% Longer than last year
Home Price Forecast
1.4%
Median Rent
$1,800
26.1% YoY Growth
1-Bed Rent
$1,100
29.4% YoY Growth
2-Bed Rent
$1,450
0.7% YoY Growth
3-Bed Rent
$1,900
6.2% YoY Growth

Other Zip Codes in Saint Clair Shores, MI

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.

MetricZip Code AverageYear over Year % Change
Median Listing Price
$238,0002.0%
Listing Count
6817.0%
Listings as % of Homes0.4%17.0%
Days on Market
3426.0%
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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.

MetricLatest CensusYoY % 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%
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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

MetricLatest Census5-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%
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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

MetricZip 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

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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 SizeHUD PremiumMarket RentMax 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

MetricZip Code Average
Home Price to Income Ratio2.5
Median Home Price$222,000
Median Household Income$76,400

Saint Clair Shores, MI — ZIP Code Boundary Map

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Frequently Asked Questions