housinganalytics.org

Michigan · Place GEOID 2670680

St. Clair city

ACS 5-year 2024 estimates · population 5,585 · 2,404 housing units

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Median household income
$69,688
State $74,099
Median home value
$223,200
State $237,564
Median gross rent
$1,113
State $1,136
Homeownership rate
68.1%
State 73.2%
Renter cost-burden rate
38.9%
≥30% of income
Owner cost-burden rate
19.8%
≥30% of income
Homeowner vacancy
0.0%
Of owner-occupied + for-sale units
Rental vacancy
0.0%
Of renter-occupied + for-rent units
Overall vacancy
0.0%
All housing units
Price-to-income ratio
3.20
Affordable: 2.0–3.0

Section 1

Community Profile

Population, demographics, household composition, and income.

Community Data Summary

St. Clair cityMichigan
Population 5,585 10,077,761
Population density (per sq. mi.) 1,899.66 —
Median household income $69,688 $74,099
HUD Area Median Income (4-person, 100%) — —
Households 2,404 —
Average household size 2.32 people —
Owner-occupied 68.1% 73.2%
Renter-occupied 31.9% 26.8%
Race 92.6% White · 3.7% Black 0.0% White · 0.0% Black
Source: ACS 5-year 2024 (Tables DP05, S1101, DP04, S1901) and Census Gazetteer (land area); HUD FY2026 Income Limits.

Racial composition

St. Clair city compared with Michigan.
Source: ACS 5-year 2024, Table DP05.

Educational attainment (population 25+)

27.4% hold a bachelor's degree or higher (state: 32.4%).
Source: ACS 5-year 2024, Table S1501.

Median Household Income by Tenure

Owner-occupied vs. renter-occupied household income, county and state.
Source: ACS 5-year 2024, Table B25119.

Median Household Income by Age of Householder

Median household income by age group of householder.
Source: ACS 5-year 2024, Table B19049.

Median Household Income by Number of Earners

Median household income for families with each earner count.
Source: ACS 5-year 2024, Table S1903.

Household Size

Distribution of households by number of people.
Source: ACS 5-year 2024, Table S2501.

Income by Number of Earners

Earners Share Median income Attainable monthly housing cost Attainable home
0 earners 25.1% $53,125 $1,328 $166,730
1 earner 17.8% $86,726 $2,168 $291,804
2 earners 36.6% $93,155 $2,329 $315,735
3+ earners 20.5% $111,790 $2,795 $385,101
Attainable monthly housing cost = 30% of gross income ÷ 12. Attainable home price assumes 30% housing budget, 30-yr mortgage at 7%, 5% down.
Source: ACS 5-year 2024, Table S1903; affordability formula derived.

Households

2,404

Average size: 2.32 people

Households with children

604

25.1% of households

Per-capita income

$40,183

Poverty rate: 9.4%

Section 2

Residential Market Analysis

Housing stock characteristics — tenure, type, age, size, vacancy, rents.

Tenure

68.1% owner-occupied vs. state average 73.2%.
Source: ACS 5-year 2024, Table DP04.

Structure type

Single-family share 83.5% · Missing middle (2–19 units) 13.9%.
Source: ACS 5-year 2024, Table B25024.

Housing stock by decade

72.1% built before 1980 · Median structure age 1,959.00 yrs.
Source: ACS 5-year 2024, Table S2504.

Housing size mismatch

Compares the share of housing units by bedroom count against the share of households by size — a common diagnostic of housing supply/demand alignment.
Source: ACS 5-year 2024, Tables B25041 (bedrooms) and S2501 (household size).

Home value distribution

Owner-occupied homes by value bracket. Median: $223,200.
Source: ACS 5-year 2024, Table DP04.

Monthly Housing Costs

Distribution of monthly housing costs across all occupied units.
Source: ACS 5-year 2024, Table B25104.

Number of Bedrooms

Housing units by number of bedrooms.
Source: ACS 5-year 2024, Table B25041.

Median rent by bedroom

Overall median gross rent: $1,113.
Source: ACS 5-year 2024, Table B25031.

Renters by age

Number of renter householders by age bracket.
Source: ACS 5-year 2024, Table S2502.

Owners by age

Number of owner householders by age bracket.
Source: ACS 5-year 2024, Table S2502.

Section 3

Workforce Housing Needs Assessment

Affordability, cost burden, and the housing options for households in the workforce income range.

Workforce range — ACS median household income

80% MHI$55,750
100% MHI$69,688
120% MHI$83,626

Place-level median from ACS 5-year estimates. A household at 100% MHI in St. Clair city should be able to afford a home up to roughly — (30% housing budget, default mortgage terms).

Workforce range — HUD Area Median Income

HUD AMI data not available for this place's parent county.

Affordability calculator

Follows the standard 30%-of-gross-income affordability rule.

Affordable monthly—
Affordable home price—

Renter cost burden

38.9% of renter households spend ≥30% of income on rent (4.1% spend ≥50%).
Source: ACS 5-year 2024, Table B25070.

Owner cost burden by income

19.8% of homeowners spend ≥30% of income on housing. Bars show counts of cost-burdened owners by income bracket.
Source: ACS 5-year 2024, Table B25106.

Household income — owners vs renters

Distribution of household income for owner-occupied (navy) and renter-occupied (gold) households.
Source: ACS 5-year 2024, Table B25118.
Methodology & sources

All figures derive from the 2024 American Community Survey 5-year estimates pulled directly from the Census Data API at the place geography level. State and national comparisons are population-weighted aggregates of county-level estimates (an approximation; ACS publishes its own state and national medians which can differ slightly).

HUD Area Median Income figures are inherited from the parent county (HUD publishes Income Limits at county/MSA level). BLS industry (QCEW) and occupation wage (OEWS) sections from the county profiles are not shown on place pages because those datasets are not published at sub-county geography — see the parent county profile for that context.

The affordability calculator uses a 30% housing-budget rule with a 30-year mortgage. Defaults are 7% interest, 5% down, $2,500/year taxes and insurance, and 0.5% PMI — adjustable above.

Place GEOID: 2670680 · Parent county FIPS: —.