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St. Clair Shores city, MI

ZIP 48081 — 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 48081

Median Home Value
$202,400
Median Rent
$983
Affordability Snapshot
$56,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,300/mo PITI).

16%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.2 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 48081 in St. Clair Shores city, MI, a household would need roughly $56,000 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 $1,300. That sits below the local median household income ($75,735), 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
84.9%+30% vs US avg
x
Vacancy Rate
5.4%-48% vs US avg
x
Broadband Access
91.2%+5% vs US avg
x
4+ Bedrooms
0.8%-94% vs US avg
x
Built Pre-1939
7.7%-40% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
24.5%-51% vs US avg
x
Mortgage-Free
38.3%+0% vs US avg
x
$202,400
Home Value
$983
Rent
1957
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached88.3%
  • 1-unit attached1.2%
  • 2-9 units6.2%
  • 10+ units3.6%
  • Mobile home & other0.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$202,400
Median rent$983
Owner-occupied84.9%
Vacant5.4%
Price-to-income2.7x
Est. income to buy$56,000