Total monthly cost of ownership
Cost to Own a Home in Pearl Beach, Michigan
A $303,000 home here costs
$2,476per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,558. The real number is $918 higher every month — 59% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Pearl Beach against St. Clair County and Michigan
| Measure | Pearl Beach | St. Clair County |
|---|---|---|
| Median home value | $303,000 | $213,900 |
| Median property tax | $3,438 | $2,493 |
| Effective tax rate | 1.135% | 1.165% |
| Median gross rent | $1,055 | $999 |
| Population | 4,846 | 160,089 |
The weather behind that power bill
Pearl Beach sits in St. Clair County, which averages a high of 83.0°F in its hottest month and a low of 16.1°F in its coldest, with 35.9" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 649 cooling and 6,785 heating degree days, which is what sets the $198 electricity line above.
See the full climate breakdown for St. Clair County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in St. Clair County
Full St. Clair County cost breakdown · Every county in Michigan
Common questions
How much does it cost to own a home in Pearl Beach?
A $303,000 home in Pearl Beach, Michigan costs approximately $2,476 per month with 20% down at 6.66%. That is $1,558 principal and interest, $287 property tax, $113 homeowners insurance, $266 utilities and $253 set aside for maintenance.
What is the property tax rate in Pearl Beach?
Pearl Beach has an effective property tax rate of 1.135%, based on a median home value of $303,000 and median real estate taxes of $3,438. That is lower than the St. Clair County average of 1.165%.
What is the average home price in Pearl Beach?
The median owner-occupied home value in Pearl Beach, Michigan is $303,000, against $213,900 across St. Clair County.
Is it cheaper to rent or buy in Pearl Beach?
Median gross rent in Pearl Beach is $1,055 a month, against $2,476 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Pearl Beach — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Michigan.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.