Total monthly cost of ownership
Cost to Own a Home in St. Clair, Michigan
A $242,000 home here costs
$2,101per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,244. The real number is $857 higher every month — 69% 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.
St. Clair against St. Clair County and Michigan
| Measure | St. Clair | St. Clair County |
|---|---|---|
| Median home value | $241,700 | $213,900 |
| Median property tax | $3,585 | $2,493 |
| Effective tax rate | 1.483% | 1.165% |
| Median gross rent | $1,033 | $999 |
| Population | 5,581 | 160,089 |
The weather behind that power bill
St. Clair 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 St. Clair?
A $242,000 home in St. Clair, Michigan costs approximately $2,101 per month with 20% down at 6.66%. That is $1,244 principal and interest, $299 property tax, $90 homeowners insurance, $266 utilities and $202 set aside for maintenance.
What is the property tax rate in St. Clair?
St. Clair has an effective property tax rate of 1.483%, based on a median home value of $241,700 and median real estate taxes of $3,585. That is higher than the St. Clair County average of 1.165%.
What is the average home price in St. Clair?
The median owner-occupied home value in St. Clair, Michigan is $241,700, against $213,900 across St. Clair County.
Is it cheaper to rent or buy in St. Clair?
Median gross rent in St. Clair is $1,033 a month, against $2,101 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 St. Clair — 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.