HomeMichiganMacomb CountySt. Clair Shores
St. Clair Shores, Michigan: commercial real estate data.
St. Clair Shores is a Census city of 58,140 people across 11.68 square miles of land, in Macomb County. Median household income is $73,500, 83.1 percent of occupied homes are owned, and the SBA record carries 76 7(a) approvals to borrowers here worth $26.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
St. Clair Shores
What St. Clair Shores is
- Census place typecity
- Land area11.68 sq mi
- Water area2.72 sq mi
- Population per square mile of land4,977
- County holding the largest share of its areaMacomb County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Clair Shores
How many people live in St. Clair Shores
- Population58,140
- Median age43.8
- Population under 1810,219
- Share under 1817.6 percent
- Population 65 and over12,818
- Share 65 and over22.0 percent
- Households27,327
- Family households15,159
- Share of households that are families55.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Clair Shores
Income and work in St. Clair Shores
- Median household income$73,500
- Per capita income$42,941
- Civilian labor force31,263
- Employed29,890
- Unemployed1,373 plus or minus 324
- Unemployment rate4.4 percent plus or minus 1.0
- Adults 25 and over44,784
- Adults 25 and over with a high school diploma or higher95.0 percent
- Adults 25 and over with a bachelor degree or higher29.7 percent
- Adults 25 and over with a graduate degree10.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Clair Shores
Housing in St. Clair Shores
- Housing units28,321
- Occupied units27,327
- Vacant units994 plus or minus 218
- Vacancy rate3.5 percent plus or minus 0.8
- Owner occupied22,716
- Renter occupied4,611
- Ownership rate83.1 percent
- Median owner-occupied home value$210,700
- Median gross rent, monthly$1,183
- Annual rent as a share of median income19.3 percent
- Single family units24,604
- Share single family86.9 percent
- Units in buildings of two or more3,558
- Share in buildings of two or more12.6 percent
- Mobile homes159 plus or minus 81
- Median year structure built1957
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Clair Shores
How St. Clair Shores gets to work
- Workers 16 and over who commute25,517
- Commuting under 15 minutes5,348
- Share commuting under 15 minutes21.0 percent
- Commuting 30 minutes or more9,724
- Share commuting 30 minutes or more38.1 percent
- Drove alone76.7 percent
- Carpooled6.7 percent
- Public transport0.6 percent plus or minus 0.3
- Walked0.9 percent plus or minus 0.3
- Worked from home13.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Clair Shores
SBA loans in St. Clair Shores (7(a))
- Approvals76
- Gross approval$26,665,400
- Average approval$350,861
- Median approval$139,200
- Ninetieth percentile approval$900,000
- Largest approval$2,307,000
- Jobs supported848
- Jobs per approval11.2
- Loans with a final outcome14
- Paid in full14
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more11.8 percent
- Share to franchises6.6 percent
- Distinct lenders22
- Distinct industries by NAICS46
Counted by borrower city: approvals to borrowers whose address is in St. Clair Shores, in any county, FY2020 to FY2026. Only 14 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
St. Clair Shores
SBA loans in St. Clair Shores (504)
- Approvals10
- Gross approval$5,176,000
- Average approval$517,600
- Median approval$311,500
- Largest approval$1,077,000
- Jobs supported82
- Loans with a final outcome3
- Charged off0
- Median term240 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in St. Clair Shores, in any county, FY2010 to FY2026. Only 3 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
St. Clair Shores
Flood risk in St. Clair Shores
- NFIP communityCity of St. Clair Shores
- NFIP community number260127
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date12/30/20
The City of St. Clair Shores participates in the National Flood Insurance Program as community 260127 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Macomb County, not St. Clair Shores
Macomb County context, not St. Clair Shores figures
- Establishments in Macomb County19,593
- Covered employment, Macomb County336,295
- Average annual pay, Macomb County$71,046
- Housing units permitted, Macomb County1,317
Every figure in this section is published for Macomb County as a whole and is not a measurement of St. Clair Shores.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
St. Clair Shores questions, answered from the record.
How many people live in St. Clair Shores, Michigan?
58,140, in 27,327 households. St. Clair Shores city covers 11.68 square miles of land, which is 4,977 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is St. Clair Shores in?
Macomb County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in St. Clair Shores?
$73,500. The median owner-occupied home is valued at $210,700. Median gross rent is $1,183 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to St. Clair Shores businesses?
76 7(a) approvals totaling $26.7 m since FY2020, across 22 lenders, median approval $139,200, plus 10 504 approvals worth $5.2 m since FY2010. These count approvals to borrowers whose address is in St. Clair Shores, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to St. Clair Shores borrowers get paid back?
No rate is published for St. Clair Shores. Only 14 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is St. Clair Shores in the National Flood Insurance Program?
Yes. St. Clair Shores appears in the FEMA Community Status Book as St. Clair Shores, city of, community 260127, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page St. Clair Shores figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Macomb County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of St. Clair Shores.
Is zoning published for St. Clair Shores?
No. Nothing on this page presents parcel level zoning.