St. Clair County, MI: Foreclosures, Tax Liens & Distressed Properties

St. Clair County, MI, Michigan: 23 ZIP codes scored, St. Clair County, MI averaging 22/100 (low, St. Clair, MI), from 14 to 23. St. Clair County, MI is in its peak phase (St. Clair, MI confidence 26/100): St. Clair, MI home prices up 4.2% (St. Clair, MI) over twelve months. St. Clair County, MI lender headwind: 48/100.

Highest-scoring St. Clair County, MI ZIPs: 48001 (23/100), 48002 (23/100), 48006 (23/100), 48022 (23/100), 48023 (23/100), 48027 (23/100). Also scored in St. Clair County, MI: 48028, 48039, 48040, 48041, 48049, 48054, 48059, 48060, 48063, 48064.

Across St. Clair County, MI's scored ZIPs: median home value $254,070, household income $70,332, 8.7% vacancy, 9.3% poverty, 87% owner-occupied, median age 45.5.

St. Clair County, MI insurance distress 23/100 (#2,026 in the US); FEMA hazard 0/100 for St. Clair, MI; 10 St. Clair, MI NFIP flood claims, $26K paid; St. Clair, MI construction distress 54/100.

7 banks with 31 branches lend in St. Clair County, MI; St. Clair, MI weighted bank stress 56/100, highest 69/100 in St. Clair, MI.

St. Clair County, MI unemployment 5.3% (St. Clair, MI -0.9 pts, six months); 232 new housing units permitted in St. Clair County, MI over twelve months, St. Clair, MI down 4% from 242; St. Clair, MI home prices +8.6% a year (St. Clair, MI) over three years.

72,799 housing units in St. Clair County, MI; 12,963 St. Clair, MI renter households; 51% of St. Clair, MI renters spend 30%+ of income on rent, 25% (St. Clair, MI) half or more.

St. Clair County, MI ranks #2,139 nationally on the opportunity index (St. Clair, MI, among all ranked counties); St. Clair, MI scores 27.2/100 and St. Clair, MI sits #64 inside Michigan. St. Clair, MI is in the weak opportunity phase; St. Clair, MI's primary driver is construction, St. Clair, MI second driver bank institutional; St. Clair, MI moved up 785 places. 96 short-sale listings across St. Clair, MI; 57 days on market observed in St. Clair, MI; 7.1% vacancy over 23 St. Clair, MI ZIPs.

1.1% of St. Clair County, MI mortgages were ninety-plus days late in December 2025; St. Clair, MI's thirty-to-eighty-nine-day share was 3.2% (CFPB county sample). St. Clair, MI's ninety-day rate is up 0.2 points on twelve months earlier; the St. Clair, MI peak since 2008 was 6.2% in December 2009; Michigan overall reads 0.9%.

St. Clair County, MI has 4 watched banks; 4 St. Clair, MI banks sit in an elevated band. St. Clair, MI footprints: Eastern Michigan Bank (6 branches, stress 35) in St. Clair, MI; Northstar Bank (3 branches, stress 69) in St. Clair, MI; Choiceone Bank (3 branches, stress 60) in St. Clair, MI.

HUD lists 9 assisted multifamily properties in St. Clair County, MI with 744 units; 420 St. Clair, MI units are assisted, 3 St. Clair, MI properties under project-based Section 8.

4,983 of the 72,799 housing units in St. Clair, MI sit vacant. St. Clair County, MI permitted 0 multifamily units in twelve months; St. Clair, MI's one-to-four unit structures added 232 units in St. Clair County, MI.