Saint Clair County, Michigan home prices
Typical home $259,356 · +4.2% in a year · property tax 1.14%
The typical home in Saint Clair County is worth $259,356, about the same as the Michigan typical home ($263,760). Values changed +4.2% in the past year and +23.1% over five years. Homeowners here pay a median 1.14% of their home's value in property tax each year ($2,958 on the typical home), versus 1.17% statewide.
Mortgage on the typical Saint Clair County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $51,871 | $207,485 | $1,396 | $0 | $376 | $1,772 | $75,900 |
| 10% down | $25,936 | $233,421 | $1,570 | $97 | $376 | $2,044 | $87,600 |
| 5% down | $12,968 | $246,389 | $1,657 | $103 | $376 | $2,136 | $91,600 |
| 3.5% down (FHA) | $9,077 | $254,659 | $1,713 | $115 | $376 | $2,204 | $94,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.14% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Michigan · part of the Detroit metro area.
Michigan counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Eaton County | $259,014 | +3.5% | 1.41% |
| Manistee County | $260,685 | +10.0% | 1.04% |
| Otsego County | $257,304 | +4.0% | 0.8% |
| Marquette County | $262,677 | +8.8% | 0.97% |
| Muskegon County | $255,234 | +4.3% | 1.18% |
| Ionia County | $264,748 | +6.3% | 1.13% |
| Oceana County | $253,550 | +6.7% | 1.01% |
| Newaygo County | $253,533 | +8.7% | 1.1% |
| Cheboygan County | $253,004 | +4.8% | 0.89% |
| Cass County | $266,388 | +5.0% | 0.97% |
Frequently asked questions
What is the average home price in Saint Clair County, MI?
The typical home value in Saint Clair County is $259,356 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Saint Clair County?
About $75,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Saint Clair County?
The median effective rate is 1.14% of home value a year (Census ACS 2024 5-year estimates).