C+

Saint Clair Shores, MI

Source:

Affordability Score: 63/100

Population: 59,678 · 3 ZIP codes

The affordability dashboard for Saint Clair Shores, MI aggregates Census ACS 5-Year Estimates across 3 ZIP codes covering 59,678 residents, then layers in county-level federal data to produce an overall grade of C+ (63/100). The headline inputs are median household income of $74,349, median home value of $210,089, median rent of $1,245 per month, and 29.7% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $1,411 per month (studio $1,009, 1BR $1,122, 3BR $1,724, 4BR $1,868). Department of Labor data lists infant center-based childcare at $9,303 per year, consuming 13% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Unemployment currently reads 4.4% and poverty 8.4% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income C+
$74,349
Median household income
Education D
29.7%
Bachelor's degree or higher
Housing B
2.8x
Home value $210,089 vs income
Commute D
27 min
Average commute time
Rent B
$1,411/mo
2BR fair market rent (23% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare C+
$9,303/yr
Center-based infant care (13% of income)

Income & Employment

Median Income
$74,349
▲ 20% vs national
Per Capita Income
$42,943
Unemployment Rate
4.4%
Poverty Rate
8.4%

Housing

Median Home Value
$210,089
▼ 24% vs national
Median Rent
$1,245/mo
Owner Occupied
83.3%
2BR Fair Market Rent
$1,411/mo
▲ 18% vs national

Fair Market Rents by Bedroom

Studio
$1,009
1BR
$1,122
2BR
$1,411
3BR
$1,724
4BR
$1,868

Safety

Violent Crime Rate
Data Source
FBI UCR (county-level)

Education & Family

Bachelor's Degree+
29.7%
▼ 0 ppt vs national
High School+
58.1%
Median Age
43.7
Avg. Commute
27 min
▲ 1 min vs national

Childcare Costs

Infant (Center)
$9,303/yr
13% of income
Toddler (Center)
$9,303/yr
Preschool (Center)
$9,211/yr
School-Age (Center)
$8,263/yr

What This Means

Saint Clair Shores, MI receives an overall affordability grade of C+ (63/100), aggregated from 3 ZIP codes with a total population of 59,678. Data was unavailable for safety — these dimensions were excluded from the overall score.

Nearby City Dashboards

Explore Saint Clair Shores ZIP Codes
View all 3 ZIP codes with demographics and individual scorecards
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What are common questions about this dashboard?

Is Saint Clair Shores, MI affordable?
Saint Clair Shores, MI receives an overall affordability grade of C+ (63/100) based on Census, HUD, FBI, and DOL data. Median household income is $74,349. Median home value is $210,089.
What is the cost of living in Saint Clair Shores?
Key cost metrics: Median rent $1,245/mo. 2BR fair market rent $1,411/mo. Infant childcare $9,303/yr. Median home value $210,089.
How is the affordability score calculated?
The score evaluates 7 dimensions weighted by importance: Income (20%), Safety (20%), Housing (15%), Rent (15%), Education (10%), Commute (10%), and Childcare (10%). Each metric is compared against national percentile benchmarks from Census, HUD, FBI, and DOL data.

Data as of 2024. Source: U.S. Census Bureau ACS 5-Year Estimates. Source: HUD Fair Market Rents. Source: FBI Uniform Crime Report. Source: DOL National Database of Childcare Prices. Verify with HUD →