The typical owner-occupied home in Saint Clair is worth about $218,000, 34% below the Minnesota median of $329,300 and 34% below the national median of $332,700. Owners pay a median $2,965 a year in property taxes, about 1.36% of their home's value, higher than the Minnesota rate of 1.02%. The median household earns $106,136 a year, so the median home costs 2.1 times the median income (3.7 times for Minnesota). 94% of occupied homes here are lived in by their owners, and 52% of those owners still have a mortgage.
Saint Clair at a glance
| Saint Clair | Minnesota | U.S. | |
|---|---|---|---|
| Median home value | $218,000 | $329,300 | $332,700 |
| Median property tax paid per year | $2,965 | $3,357 | $3,119 |
| Property tax as a share of value | 1.36% | 1.02% | 0.94% |
| Median household income | $106,136 | $89,062 | $80,734 |
| Homes lived in by their owners | 94% | 72% | 65% |
| Owner homes with a mortgage | 52% | 64% | 61% |
| Median monthly costs, owners with a mortgage | $1,663 | $1,947 | $1,963 |
| Those costs as a share of the owners' income | 17.6% | 19.7% | 21.0% |
| Median rent | $750 | $1,280 | $1,413 |
| Rent as a share of renters' income | 31.7% | 29.2% | 30.6% |
| Median year homes were built | 1973 | 1979 | 1980 |
| Vacant homes | 3.8% | 9.3% | 10.1% |
| Population | 710 | 5,739,445 | 334,922,499 |
What a typical home costs per month in Saint Clair
At this week's average 30-year rate of 7.11%, buying the median Saint Clair home of $218,000 with 20% down costs about $1,511 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,874, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $64,761 for the 20%-down payment. That payment is 17% of the median Saint Clair household income of $106,136; at that income and 20% down, the 28% guideline points to a home of about $357,000.
The median rent here is $750 a month, so owning the median home costs about $761 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $43,600 |
|---|---|
| Loan amount | $174,400 |
| Principal and interest | $1,173 |
| Property taxes (1.36% a year) | $247 |
| Homeowners insurance (our estimate, 0.5% a year) | $91 |
| PMI | $0 |
| Total per month | $1,511 |
Change the numbers in the calculator
| Down payment | $7,630 |
|---|---|
| Loan amount | $214,051 |
| Principal and interest | $1,440 |
| Property taxes (1.36% a year) | $247 |
| Homeowners insurance (our estimate, 0.5% a year) | $91 |
| FHA mortgage insurance | $96 |
| Total per month | $1,874 |
Change the numbers in the calculator
Questions about home buying in Saint Clair
What is the median home value in Saint Clair?
About $218,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Saint Clair?
Homeowners pay a median $2,965 a year, which is about 1.36% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Saint Clair?
For the median home with 20% down at 7.11%, the payment is about $1,511 a month. Keeping that under 28% of gross income takes about $64,761 a year.
More about Saint Clair
- Mortgage Refinance in Saint Clair
- Debt Relief in Saint Clair
- Home Equity Loans in Saint Clair
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data