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Featured local agent — St. Clair Shores, MI
Sarah Mitchell
Compass Real Estate · St. Clair Shores, MI
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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St. Clair Shores, MI Housing Market
The last median sale price Redfin published was $249,900, +0.3% year over year (through May 2026). With 2.1 months of supply and homes going under contract in about 17 days, St. Clair Shores is a seller's market. At today's 7.03% 30-year fixed rate, 20% down on a $249,900 home is about $1,334/mo in principal and interest.
Key numbers for St. Clair Shores, MI
Median sale price
$249,900
+0.3% year over year
Redfin, through May 2026
Days on market
17
Fast-moving
Redfin, through May 2026
Active listings
196
2.1 months of supply
Redfin, through May 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$72,693
Home costs 3.4x income
U.S. Census ACS, 2023
Sale-to-list ratio
100.3%
Selling above asking
Redfin, through May 2026
Zillow figures refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is St. Clair Shores a buyer's or seller's market?
St. Clair Shores, MI is a seller's market, based on 2.1 months of supply and homes selling in about 17 days. Under 4 months of supply tilts the market toward sellers: homes clear faster than they are replaced, so concessions are scarce.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the St. Clair Shores housing market data show?
Every row below is Redfin's final published month for St. Clair Shores, MI. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $249,900 |
| Median list price | $250,000 |
| Year-over-year price change | +0.3% |
| Median price per sq ft | $183/sq ft |
| Median days on market | 17 days |
| Active inventory | 196 listings |
| Months of supply | 2.1 months |
| Sale-to-list price ratio | 100.3% |
| Homes sold (that month) | 92 |
| New listings (that month) | 141 |
| Listings with a price cut | 34.7% |
| Market condition | Seller's market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for St. Clair Shores is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in St. Clair Shores is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have St. Clair Shores home prices moved?
Over the last three years the median sale price in St. Clair Shores, MI rose 8.4%, from $230,500 to $249,900. 34.7% of St. Clair Shores listings cut their asking price in the final Redfin month — a high share, and the clearest sign that list prices were running ahead of what buyers would pay. For prices to fall meaningfully from here, supply would have to keep building past 2.1 months while the sale-to-list ratio slips below its current 100.3%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in St. Clair Shores?
Priced off the median sale price of $249,900 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $49,980 | $199,920 | $1,334/mo |
| 5% | $12,495 | $237,405 | $1,584/mo |
Redfin, through May 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $1,334, that implies roughly $57,176 a year before you add taxes and insurance. The median household in St. Clair Shores earns $72,693, about $15,517 more than that threshold — the typical local household clears the payment on a typical local home with 20% down. That puts the price-to-income ratio at 3.4x — close to the historical 3x norm, which is unusual in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in St. Clair Shores in the next 12 months?
Tell us your timeline. We send the St. Clair Shores market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in St. Clair Shores?
Zillow does not publish a rent index (ZORI) for St. Clair Shores, MI, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in St. Clair Shores?
Active listings in St. Clair Shores, MI went from 139 in May 2025 to 196 in May 2026, a +41.0% change. Rising inventory is the single most useful leading indicator for buyers: more choice, longer marketing times, and more sellers willing to negotiate before price cuts show up in the median.
| Month | Active listings | New listings |
|---|---|---|
| June 2025 | 136 | 104 |
| July 2025 | 151 | 131 |
| August 2025 | 167 | 122 |
| September 2025 | 158 | 99 |
| October 2025 | 170 | 116 |
| November 2025 | 155 | 77 |
| December 2025 | 159 | 63 |
| January 2026 | 148 | 66 |
| February 2026 | 157 | 71 |
| March 2026 | 153 | 121 |
| April 2026 | 184 | 139 |
| May 2026 | 196 | 141 |
Redfin, through May 2026
How does St. Clair Shores compare to Michigan and the U.S.?
St. Clair Shores homes sell for $249,900 — 16% below the Michigan median of $297,900. Against the national median of $410,700, St. Clair Shores runs 39% lower. Year-over-year, St. Clair Shores moved +0.3% against Michigan's +4.6% — a smaller swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| St. Clair Shores, MI | $249,900 | +0.3% | 17 days |
| Michigan statewide | $297,900 | +4.6% | 24 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in St. Clair Shores
What buyers should watch
- Months of supply, currently 2.1. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 34.7%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $250 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $249,900 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median St. Clair Shores listing goes under contract in 17 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 100.3% of asking. Price at the number you want and let competition do the rest.
- In the last published month St. Clair Shores added 141 new listings against 92 sales — more competition arriving than clearing, so early timing matters.
- Comparable ZIP-level pricing inside St. Clair Shores varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in St. Clair Shores
There are currently 196 homes listed for sale in St. Clair Shores, Michigan. The median listing price is $250K.
Active listings
196
Homes on market
Median list price
$250K
Avg. days on market
17
Days until sale
New this week
141
Newly listed
How much do homes cost in St. Clair Shores by property type?
How the St. Clair Shores, MI market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $250,000 | $185/sq ft | 87 | 16 days |
| Condo / co-op | $224,000 | $160/sq ft | 5 | 50 days |
Who lives in St. Clair Shores?
American Community Survey estimates for St. Clair Shores. U.S. Census ACS, 2023
Population
58,287
Households
27,495
Median income
$72,693/yr
Median age
43.7 years
Owner-occupied
83.4%
Median home value
$196,400
Median gross rent
$1,143/mo
Mean commute
27.3 min
83.4% of occupied homes in St. Clair Shores are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market.
Which cities are near St. Clair Shores, MI?
Ordered by distance from St. Clair Shores, not by size. Compare St. Clair Shores side by side with any of them.
St. Clair Shores housing market FAQ
Is St. Clair Shores a buyer's or seller's market?
St. Clair Shores, MI is currently a seller's market. That read comes from 2.1 months of supply, homes going under contract in about 17 days, and sellers getting 100.3% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in St. Clair Shores?
The median sale price in the last month Redfin published was $249,900, about $183 per square foot.
Is St. Clair Shores cheaper than the rest of Michigan?
St. Clair Shores's median sale price of $249,900 is 16% lower than the Michigan statewide median of $297,900, and 39% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in St. Clair Shores?
Homes in St. Clair Shores, MI spent a median of 17 days on market before going under contract, versus 24 days statewide. Under three weeks means well-priced listings move before most buyers can schedule a second showing. (Redfin, through May 2026.)
What income do you need to buy a home in St. Clair Shores?
At the current 30-year fixed rate of 7.03%, 20% down on a $249,900 home is about $1,334 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $57,176 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $72,693.
Are home prices rising in St. Clair Shores?
Redfin's last published year-over-year change for St. Clair Shores, MI was +0.3%, measured through May 2026. That series is frozen; treat it as a historical reading rather than a current trend.
What are the cheapest ZIP codes in St. Clair Shores?
St. Clair Shores ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in St. Clair Shores?
That depends on your timeline, not on a headline. What the data says today: St. Clair Shores, MI is a seller's market with 2.1 months of supply, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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