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St. Clair Shores, Michigan

USA · Comprehensive city data and intelligence

66
Overall Score

St. Clair Shores is a vibrant waterfront community located in Macomb County, Michigan, nestled along the scenic shores of Lake St. Clair. Originally incorporated as a village and later as a city, it has evolved into a premier residential suburb renowned for its extensive boating culture and the famous Nautical Mile commercial district. People are continually drawn to the area for its friendly neighborhoods, abundant waterfront access, and strong sense of local community pride.

About Michigan

Michigan, known as "The Great Lakes State," offers a diverse landscape with extensive freshwater coastlines and a distinct four-season climate, featuring warm summers and cold, snowy winters. Its economy, historically driven by the automotive industry, is diversifying into advanced manufacturing, healthcare, life sciences, and technology. The cost of living in Michigan is generally lower than the national average, particularly for housing, making it an affordable option for many. Residents enjoy a lifestyle that often includes abundant outdoor recreation opportunities, from water sports on the Great Lakes to winter activities and extensive trail systems.

58,800
Population
$68K
Avg Salary
98
Cost Index
65.6
Quality Score
How this 66/100 was calculated five components, with every reading behind them
Component Readings used Points Weight Contributes
Safety Safety score: 78 / 100 78.0 30% 23.4
Affordability Cost of living index (100 = national baseline): 98.0 46.3 25% 11.6
Economy & jobs Median household income: $78,500 Income needed to live here: $52,000 Unemployment rate: 4% 81.9 20% 16.4
Growth Population growth rate: no usable reading Job growth rate: 1.5% 50.0 15% 7.5
Business climate assessment Business climate assessment: 68 / 100 68.0 10% 6.8
Overall score 65.6

Provenance. These figures were produced by the research pass recorded as Tier 2 (reasoned) (q=54, partial — below threshold), last refreshed 16 October 2026. They are researched estimates drawn from public sources, not a licensed data feed.

Each component is scored against fixed published endpoints, so this number is comparable with any other city and does not move as the dataset grows. Scoring framework 2026.10 — full methodology, weights and accepted ranges.

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Quality Scores

Business
68
Livability
76
Affordability
72
Growth
65

Cost of Living

The cost of living in St. Clair Shores remains slightly below the national average, making it an attractive option for families and retirees seeking affordability without sacrificing lifestyle amenities. Housing costs, while experiencing steady appreciation, remain more accessible than in many other major metropolitan suburbs across the country. Everyday expenses such as groceries, utilities, and transportation track closely with or slightly under national benchmarks, supported by competitive regional pricing.

Average Rent
$1,450/mo
Groceries
$420/mo
Transport
$130/mo
Utilities
$175/mo
Healthcare
$230/mo
Gym membership (monthly)
$45.00
Cinema ticket
$14.00
Restaurant meal (mid-range)
$22.00
Monthly groceries
$420.00
Doctor visit (without insurance)
$150.00

Salary Insights

While primarily a residential suburb, St. Clair Shores benefits significantly from its strategic proximity to the broader Detroit metropolitan job market, particularly the manufacturing, healthcare, and automotive sectors. Local employment within the city is heavily driven by retail trade, small businesses, lake-associated hospitality, and professional services. Many residents commute daily into nearby Detroit, Warren, or Troy for corporate, technical, and engineering careers.

The average salary in St. Clair Shores is $68,000 per year. You would need approximately $52,000 to live comfortably.

Top Industries

Retail Trade +1.10% Manufacturing +1.50% Healthcare +2.40% Professional and Technical Services +2.20% Hospitality and Tourism +2.00%

Climate

🌡️
50°F
Avg Temp
☀️
79°F
Summer High
❄️
20°F
Winter Low
🌧️
32.60"
Annual Rain
💧
68.00%
Humidity
🌤️
244
Sunny Days

Transport

Transportation in St. Clair Shores is predominantly car-dependent, with major regional thoroughfares like I-94 providing direct access to downtown Detroit and surrounding employment hubs. While limited public transit via SMART bus routes is available, owning a vehicle is practically essential for daily commuting and errands. The city features a flat topography that encourages recreational cycling, though daily pedestrian walkability varies by neighborhood.

27 min
Avg Commute
42.00/10
Transit Score
52.00/10
Walkability
High
Car Dependency

Pros & Cons

Advantages
Extensive waterfront access and boating culture along the famous Nautical Mile and Lake St. Clair
Crime rates consistently lower than both Michigan state averages and national benchmarks
More affordable housing options compared to western and northern Detroit metro suburbs
Proximity to major regional employment centers in Detroit, Warren, and Troy via I-94
Active municipal park system featuring popular community gathering spots like Blossom Heath Park
Drawbacks
High car-dependency with limited robust public mass transit options within city borders
Older housing stock often requires ongoing maintenance and updates for modern energy efficiency
Property tax rates in Macomb County can be relatively high compared to some outer-ring suburbs
Winters bring substantial snowfall (33.5 inches annually) requiring regular snow removal
Limited large corporate headquarters physically located inside city limits, necessitating commutes

Questions about St. Clair Shores

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Frequently Asked Questions

Urblytica benchmarks its Cost of Living Index against a United States national average baseline of 100. A score of 115 means a city is approximately 15% more expensive than the national average, while a score of 85 indicates it is 15% more affordable. This composite calculation is weighted across six primary expenditure categories: housing, utilities, grocery items, transportation, healthcare, and miscellaneous goods.

Urblytica aggregates housing data from multiple authoritative sources, including Multiple Listing Service (MLS) feeds, municipal property tax registries, the U.S. Census Bureau’s American Community Survey (ACS), and verified historical deed transactions. This multi-tier aggregation ensures precision in tracking median home values and rental rates.

A municipality must meet minimum data-density thresholds—including consistent reporting population samples from the U.S. Census and active residential or commercial real estate transaction feeds—to ensure statistical significance before a complete scoring profile is published.

When primary agencies (such as the Bureau of Labor Statistics or U.S. Census Bureau) issue historical data revisions or benchmark corrections, Urblytica's data pipeline automatically re-indexes affected historical archives to maintain longitudinal trend accuracy.

U.S. affordability calculations incorporate federal income tax brackets, state-specific income tax rates, and local municipal tax variations to evaluate the true net tax drag on median household earnings across different states and cities.

Local county and municipal property tax millage rates are factored directly into the housing component of the cost-of-living index to reflect recurring annual tax burdens for homeowners.

The platform aggregates state sales taxes alongside county and city surtaxes to measure consumer basket purchasing power parity accurately across different retail jurisdictions.

Utility calculations apply regional seasonal consumption weightings, incorporating high summer air conditioning loads in southern states and heavy winter heating demands in northern states.

The index tracks average out-of-pocket healthcare expenses, routine outpatient visit costs, and regional health insurance premium benchmarks published by federal health agencies.

Educational metrics aggregate state standardized testing benchmarks, student-to-teacher ratios, high school graduation rates, and per-pupil expenditure data published by state departments of education.

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