Total monthly cost of ownership
Cost to Own a Home in Port Huron, Michigan
A $136,000 home here costs
$1,284per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $55,000 a year.
A standard mortgage calculator would have told you $741. The real number is $543 higher every month, 73% more than the payment most buyers budget for.
Compare St. Clair County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Port Huron against St. Clair County and Michigan
| Measure | Port Huron | St. Clair County |
|---|---|---|
| Median home value | $136,000 | $213,900 |
| Median property tax | $2,022 | $2,493 |
| Effective tax rate | 1.487% | 1.165% |
| Median gross rent | $972 | $999 |
| Population | 28,724 | 160,089 |
The weather behind that power bill
Port Huron 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 $142 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
Talk to someone who works this market
These are Port Huron averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Port Huron every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Port Huron I already own here and may sell
Common questions
How much does it cost to own a home in Port Huron?
A $136,000 home in Port Huron, Michigan costs approximately $1,284 per month with 20% down at 7.24%. That is $741 principal and interest, $169 property tax, $51 homeowners insurance, $210 utilities and $113 set aside for maintenance.
What is the property tax rate in Port Huron?
Port Huron has an effective property tax rate of 1.487%, based on a median home value of $136,000 and median real estate taxes of $2,022. That is higher than the St. Clair County average of 1.165%.
What is the average home price in Port Huron?
The median owner-occupied home value in Port Huron, Michigan is $136,000, against $213,900 across St. Clair County.
Is it cheaper to rent or buy in Port Huron?
Median gross rent in Port Huron is $972 a month, against $1,284 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Port Huron?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Port Huron, Michigan at today's rate takes a household income of roughly $55,000 a year. That covers the full $1,284 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Port Huron, 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.