St. Clair County, MI Average Home Price (2026)
The average home price in St. Clair County, Michigan is about $306,000 (the 2026 median across 21 ZIP codes, at ~$197/sq ft) — 25% more expensive than the Michigan median and 6% more expensive than the typical U.S. home.
How St. Clair County compares
St. Clair County is about average for housing nationally: its typical home costs $306,000 against $244,000 for Michigan and $289,000 for the U.S. Within the county, ZIP-level values run from about $174,000 to $384,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| St. Clair County | $306,000 | $197 |
| Michigan | $244,000 | $187 |
| United States | $289,000 | $193 |
St. Clair County home prices by ZIP code
The 15 most valuable ZIP codes in St. Clair County (of 21 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 48064 Casco | $384,000 | $208 | +25% |
| 48002 Allenton | $354,000 | $202 | +16% |
| 48063 Columbus | $352,000 | $195 | +15% |
| 48054 China | $343,000 | $224 | +12% |
| 48022 Emmett | $331,000 | $218 | +8% |
| 48027 Goodells | $331,000 | $163 | +8% |
| 48041 Memphis | $330,000 | $235 | +8% |
| 48028 Algonac | $319,000 | $232 | +4% |
| 48079 Saint Clair | $318,000 | $197 | +4% |
| 48032 Jeddo | $310,000 | $210 | +1% |
| 48006 Avoca | $306,000 | $184 | +0% |
| 48049 North Street | $288,000 | $148 | -6% |
| 48023 Fair Haven | $274,000 | $241 | -10% |
| 48059 Fort Gratiot | $269,000 | $183 | -12% |
| 48001 Algonac | $260,000 | $205 | -15% |
Home value appreciation in St. Clair County
Home prices in St. Clair County have risen about 97% over the last 10 years (≈7.0% a year) and +54.6% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +4.8% — still rising. A home worth $306,000 today was worth roughly $155,330 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Michigan is +96.7% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for St. Clair County
Run the numbers for St. Clair County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in St. Clair County
To buy the typical $306,000 home in St. Clair County with 20% down, you need a household income of roughly $83,000 a year (about $1,940 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $99,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $15,300 | $2,410/mo | $103,000/yr |
| 10% (+PMI) | $30,600 | $2,310/mo | $99,000/yr |
| 20% | $61,200 | $1,940/mo | $83,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in St. Clair County
At about $197 per square foot, here is roughly how much home different budgets get you in St. Clair County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 760 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1020 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1270 sq ft | around the typical home here |
| $300k | 1520 sq ft | around the typical home here |
| $400k | 2030 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Michigan.
Estimate a specific home in St. Clair County
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St. Clair County home prices: frequently asked
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Browse all Michigan cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.