St. Clair: Housing & Real Estate
Housing in St. Clair centers on a median value of $223,200 (estimated market value runs 21% higher at $271,036), with median rent $1,113 (1.1× higher than St. Clair County median $982; 1.1× higher than Michigan median $1,027). Homeownership rate: 68.1%. That's 1.1× higher than the St. Clair County median ($197,300); 1.1× higher than the Michigan median ($206,419). Market is stable. Vacancy rate 3.7%. New construction makes up 3.6% of stock. A municipal building code is in effect.
- 3.2× annual income — home value vs. household income (vs Michigan 2.8×).
- 16.7 years to break even renting at the median (vs Michigan 17y).
- 4-BR rent is 1.9× a studio — rent gradient by unit size.
- Median rent 21% below HUD 2-BR FMR — local market vs federal subsidy benchmark.
Home Values & Rent
Median home value $223,200 — 1.1× the Michigan median ($206,419). Median rent $1,113/month. homeownership rate 68.1% — above the U.S. share of ~65%.
| Affordability · Price To Income Ratio | 3.2× |
|---|---|
| Affordability · Rent To Income Pct | 19.2% |
| Affordability · Affordable | Yes |
| Affordability · Interpretation | affordable |
| Fair Market Rent · Studio rent | $1,009 |
| Fair Market Rent · One-bedroom rent | $1,122 |
| Fair Market Rent · Two-bedroom rent | $1,411 |
| Fair Market Rent · Three-bedroom rent | $1,724 |
| Fair Market Rent · Four-bedroom rent | $1,868 |
| Fair Market Rent · HUD FMR area | Detroit-Warren-Livonia, MI HUD Metro FMR Area |
| Fair Market Rent · Fiscal year | FY2026 |
| Home Value Estimate | $271,036 |
| Median Home Value | $223,200 (vs Michigan $206,419) |
| Median Rent | $1,113 (vs Michigan $1,027) |
Sources: HUD FMR FY2026 · Census ACS 5-Year 2023, B25077 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Tenure & Occupancy
Owner-occupied vs renter-occupied housing units, plus vacancy rates.
| Housing Market · Market temperature | stable |
|---|---|
| Housing Market · Vacancy rate | 3.7% |
| Housing Market · New construction (% of stock) | 3.6% |
| Housing Market · Price Appreciation 2Yr | -7.7% |
Utilities
Electricity, water, and broadband infrastructure serving residents. Broadband percentages reflect the share of premises that can subscribe to service at the listed speed (FCC Form 477).
Systems (1)
| Broadband · % of premises with 25/3 Mbps broadband | 100.0% |
|---|---|
| Broadband · % of premises with 100/20 Mbps broadband | 100.0% |
| Broadband · % of premises with 250/25 Mbps broadband | 100.0% |
| Broadband · % of premises with 1 Gbps / 100 Mbps broadband | 5.7% |
| Broadband · Broadband-capable premises | 2,675 |
| Electricity · Electricity rate (¢/kWh) | 19.30¢/kWh |
| Electricity · Customers | 4,516,367 |
| Electricity · Revenue Millions | $6,466 |
| Electricity · Year | 2024 |
| Mobile Broadband · 3G mobile coverage | 0% |
| Mobile Broadband · 4G mobile coverage | 80% |
| Mobile Broadband · 5G mobile coverage | 100% |
| Mobile Home Parks Detail · County total | 2 |
Sources: FCC BDC Jun 2025 · EIA Annual Retail Sales 2023 · FCC BDC Mobile 2024 · HIFLD / IRS BMF · Refreshed 2026-04-12
Other
| Homeownership Rate | 68.1% |
|---|---|
| Median Year Built | 1959 |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12