St. Clair Shores, MI

Very Low · 74

Michigan · Population 58,287 · Updated March 2026

$1,143
Median Rent / Month
$72,693
Median Income
$196,400
Median Home Value
$1,119
Owner Costs / Month

Affordability

How far your income goes in St. Clair Shores

18.9%
Rent-to-Income Ratio
Affordable
Rent takes less than 25% of median income — considered affordable by HUD standards.

Tax Burden in Michigan

State-level tax rates that affect your costs

4.25%
Income Tax (Top Rate)
6.0%
Sales Tax
1.38%
Property Tax Rate

Estimated Annual Costs

$13,716
Annual Rent
$3,089
State Income Tax
$2,710
Property Tax (est.)

Cost of Living Overview

St. Clair Shores is significantly cheaper than the national average, making it an attractive option for budget-conscious individuals and families. With a cost index of 74 (where 100 equals the national median), St. Clair Shores residents can expect to pay median rent of $1,143/month while earning a median household income of $72,693/year.

The median home value in St. Clair Shores, MI is $196,400, with typical monthly owner costs around $1,119 including mortgage, insurance, and taxes. The median rent-to-income ratio of 18.9% means housing is relatively affordable here — well below the 30% threshold that HUD considers cost-burdened.

Michigan has a moderate income tax rate of 4.25%. Combined with a 6.0% sales tax rate and 1.38% effective property tax rate, the overall tax environment is a factor in the total cost of living in St. Clair Shores.

Frequently Asked Questions

Common questions about living costs in St. Clair Shores

What is the cost of living in St. Clair Shores, MI?
The cost of living index in St. Clair Shores, MI is 74 (US average = 100). Median monthly rent is $1,143, median household income is $72,693/year, and the median home value is $196,400.
Is St. Clair Shores, MI affordable?
Yes, St. Clair Shores is more affordable than the national average with a cost index of 74. The rent-to-income ratio is 18.9%—below the 30%% threshold considered affordable by HUD.
What is the average rent in St. Clair Shores, MI?
The median gross rent in St. Clair Shores, MI is $1,143 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $13,716.
What is the median household income in St. Clair Shores?
The median household income in St. Clair Shores, MI is $72,693 per year. This compares to the national median of approximately $80,000.
What are the taxes like in Michigan?
Michigan has a top income tax rate of 4.25%, a sales tax of 6.0%, and an effective property tax rate of 1.38%.