ZIP Code 48045 — St. Clair Shores city, MI Demographics & Data

ZIP code 48045 covers St. Clair Shores, MI in Macomb County with a population of about 24,118.

At a glance, the area shows median age of 45.1 versus a U.S. median of about 38.9.

It sits in telephone area code 586; U.S. House district MI-10; the DETROIT media market.

Median household income in ZIP 48045 is about $77,808 — about 4% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.1%; unemployment rate near 4.8%; 25.9% of adults with a bachelor’s degree or higher (about 7.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Retail trade; about 13.4% of workers reporting work-from-home (about 1.8 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $243,000 — about 30% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $891 (about 23% below the U.S. median rent ($1,163)), and owner-occupancy near 70.9% (about 5.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 48045 in St. Clair Shores, MI, a household would need roughly $67,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,561. That sits below the local median household income ($77,808), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for St. Clair Shores city, MI as Relatively High (composite score 96.7), which is among the highest nationally. The strongest component scores on US5 are flood (97.5) and hurricane (49.9). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for St. Clair Shores city, MI show little to no average snow and around 35.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 944 for ZIP 48045 (St. Clair Shores city, MI) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.