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St. Clair Shores city, MI

ZIP 48045 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 48045

Median Home Value
$243,000
Median Rent
$891
Affordability Snapshot
$67,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,561/mo PITI).

14%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.1x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

22.7 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 48045 in St. Clair Shores city, 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.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
70.9%+8% vs US avg
x
Vacancy Rate
7.1%-31% vs US avg
x
Broadband Access
92.9%+7% vs US avg
x
4+ Bedrooms
4.0%-73% vs US avg
x
Built Pre-1939
4.2%-67% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
23.8%-52% vs US avg
x
Mortgage-Free
38.7%+1% vs US avg
x
$243,000
Home Value
$891
Rent
1980
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached54.7%
  • 1-unit attached13.7%
  • 2-9 units10.0%
  • 10+ units16.7%
  • Mobile home & other4.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$243,000
Median rent$891
Owner-occupied70.9%
Vacant7.1%
Price-to-income3.1x
Est. income to buy$67,000