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St. Clair Shores city, MI

ZIP 48082 — 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 48082

Median Home Value
$200,600
Median Rent
$1,058
Affordability Snapshot
$55,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,289/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.

15.8 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 48082 in St. Clair Shores city, MI, a household would need roughly $55,000 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 $1,289. That sits below the local median household income ($76,372), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
87.0%+33% vs US avg
x
Vacancy Rate
3.0%-71% vs US avg
x
Broadband Access
93.0%+7% vs US avg
x
4+ Bedrooms
1.4%-90% vs US avg
x
Built Pre-1939
2.4%-81% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
19.8%-60% vs US avg
x
Mortgage-Free
35.8%-6% vs US avg
x
$200,600
Home Value
$1,058
Rent
1958
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached84.2%
  • 1-unit attached6.0%
  • 2-9 units6.3%
  • 10+ units3.5%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$200,600
Median rent$1,058
Owner-occupied87.0%
Vacant3.0%
Price-to-income2.6x
Est. income to buy$55,000