Saint Clair Shores, MI home values, income, and owner costs

Start with the dated local finding: In Saint Clair Shores, MI, the 2024 ACS reports a median owner-occupied home value of $210,700, median household income of $73,500, and median selected monthly owner costs of $1,456 for owners with a mortgage. Together, those three reference points may still help a borrower identify which search-price, income, and recurring-cost assumptions need current verification first. They remain separate medians, not the finances of one representative household, and the $1,456 measure combines recurring ownership expenses instead of real estate taxes alone. For borrower planning, a useful affordability review starts with $210,700, $73,500, and $1,456, then replaces them with the borrower's documented income, cash, debts, property taxes, insurance, association charges, loan terms, and intended occupancy.

Saint Clair Shores, MI's $210,700 median home-value estimate is below the statewide $231,600 estimate, with a reported city-to-state gap of 9.0%. That 9.0% gap is useful for showing that a statewide midpoint may be a poor substitute for a local search range in Saint Clair Shores, MI. It does not mean every local property is 9.0% away from a comparable property elsewhere in the state, because the medians reflect different housing mixes and geographies. For borrower planning, a borrower may use $210,700 and $231,600 to decide which assumptions need local replacement first, then compare actual properties and current financing disclosures on the same basis.