US5.com
  1. Home
  2. States
  3. Michigan
  4. ZIP 48035
  5. Housing & Real Estate
St. Clair Shores city, MI

ZIP 48035 — 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 48035

Median Home Value
$181,300
Median Rent
$976
Affordability Snapshot
$50,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,165/mo PITI).

17%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.5 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 48035 in St. Clair Shores city, MI, a household would need roughly $50,000 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 $1,165. That sits below the local median household income ($69,245), 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
63.2%-3% vs US avg
x
Vacancy Rate
4.4%-57% vs US avg
x
Broadband Access
91.1%+5% vs US avg
x
4+ Bedrooms
1.0%-93% vs US avg
x
Built Pre-1939
4.3%-66% vs US avg
x
Built Post-2014
0.6%-91% vs US avg
x
Rent Burden >30%
17.0%-66% vs US avg
x
Mortgage-Free
38.4%+1% vs US avg
x
$181,300
Home Value
$976
Rent
1970
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached62.6%
  • 1-unit attached12.0%
  • 2-9 units12.1%
  • 10+ units13.2%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$181,300
Median rent$976
Owner-occupied63.2%
Vacant4.4%
Price-to-income2.6x
Est. income to buy$50,000