St. Clair Shores cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexSt. Clair ShoresMichiganNational
Cost of living index8889100
IndexSt. Clair ShoresMichiganNational
Goods & Services index9695100
Groceries index9092100
Health care index9996100
Housing index6773100
Transportation index9897100
Utilities index105100100
An overview of the general cost of living index for St. Clair Shores, MI is displayed above for your reference. Residents in St. Clair Shores, MI enjoy a cost of living index of 88. This index is 1% lower than the Michigan average, and 12% lower than the national average. The following categories are used when determining the cost of living index for any given city: health care (5%), transportation (9%), utilities (10%), groceries (13%), housing (30%), and goods/services (33%). Clearly, housing and goods/services make up the majority of the formula for calculating the cost of living index. Because of this, the general cost of living for any given area can be estimated by looking at the cost of everyday goods in that area. For those living in St. Clair Shores, MI, the average cost of goods and services is 1% higher than it is in Michigan, and it is 4% lower than the national average.

Did you know?

  • The cost of living in St. Clair Shores is 1% lower than the Michigan average.
  • The cost of living in St. Clair Shores is 12% lower than the national average.
  • The cost of housing in St. Clair Shores is 33% lower than the national average.
  • Michigan general sales tax is 18% higher than the national average.
  • Michigan state income tax is 91% higher than the national average.

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Compare St. Clair Shores, MI Cost of living To Other Cities

Salary Calculator

This is how much you would need to earn in
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Health care index
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Using the salary calculator lets you compare the salary you earn in St. Clair Shores, MI to what it is in other cities. It will let you know what your earnings would have to be in another city to have the same standard of living, as determined by the cost of living in each city. For example, if the cost of living in the area you want to move to is higher than the cost of living in St. Clair Shores, MI, you have to earn a higher income in order to still have the same standard of living. To operate the St. Clair Shores, MI salary calculator, put in the name of the other city, then move the slider to the point that represents the current income. The salary calculator will take care of the rest and tell you how much more or less you must earn in the new city. A Total breakdown of the cost of living is also provided.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$59,973$4,998$1,399$1,799
Renters$35,373$2,948$825$1,061
A good way to judge both the affordability of the housing and the cost of living is by simply calculating the maximum that a person should spend on housing in St. Clair Shores, MI, otherwise known as the debt-to-income ratio (DTI). The safest way to live in the city is to avoid spending more than 28 percent of the gross income that one earns on costs that pertain to housing and no more than 36 percent on all expenses and debts. St. Clair Shores, MI has a median income of about $59,973 for people who own homes. Based on that number, a person should spend a maximum of $1,399 on expenses related to housing. Renters have a slightly different median income, which is $35,373. Based on this average, renters should spend no more than $825 on all of their rental costs if they want to maintain a non-impoverished standard of living.

Michigan Sales Tax

StateGeneral Sales TaxWith Max Surtax
Michigan6%6%

Michigan Income Tax

StateIncome Tax (Low)Income Tax (High)
Michigan4.25%4.25%
When you are determining the total cost of living in St. Clair Shores, MI you will want to make sure you consider both the Michigan sales tax and the Michigan income tax rates. Sales tax come in the form of taxes levied on both services and goods that are sold. The sales tax rates are different state to state and range from zero sales tax to higher than 7%. The sales tax in Michigan is 6%, with the highest surtax being 6%. Tax that is on income by the government is income tax. Different states have different income tax rates and these rates can be higher or lower dependent on the corresponding tax bracket. The state income tax rates are different state to state and range from no income tax to more than 9% income tax. The income tax rates in Michigan have a range from 4.25% to 4.25%.

Goods & Services

ItemSt. Clair ShoresNational avg.Difference
Haircut $16.10$14.5910.3%
Beauty Salon $48.30$34.6839.3%
Toothpaste $1.94$2.4721.6%
Shampoo $0.89$1.0212.9%
Movie $9.93$9.870.6%
Bowling $3.41$4.3922.4%

Groceries

ItemSt. Clair ShoresNational avg.Difference
Ground Beef $4.26$4.484.8%
Fried Chicken $1.19$1.4618.7%
Milk $1.97$2.3616.4%
Potatoes $2.74$3.0610.5%
Pizza $9.00$9.242.6%
Beer $8.39$8.632.8%

Health Care

ItemSt. Clair ShoresNational avg.Difference
Optometrist $81.50$99.7818.3%
Doctor $106.00$105.030.9%
Dentist $89.30$88.700.7%
Ibuprofen $8.22$9.4112.7%
Lipitor $309.77$298.503.8%

Housing

ItemSt. Clair ShoresNational avg.Difference
Home Price $92,100.00$175,700.0047.6%
Avg. Mortgage Payment $927.72$1,081.0314.2%
Apartment Rent $921.00$920.000.1%

Transportation

ItemSt. Clair ShoresNational avg.Difference
Gasoline $1.95$2.096.9%
Tire Balancing $50.92$45.2912.4%

Utilities

ItemSt. Clair ShoresNational avg.Difference
All Electricity$178.99$170.804.8%
Phone $29.99$28.266.1%
Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

Nearby cities with low cost of living

City, StatePopulationCost of Living IndexNational Avg.
Highland Park, MI10,95178-22%
Hamtramck, MI22,25678-22%
Center Line, MI8,27980-20%
Detroit, MI695,43780-20%
Melvindale, MI10,58482-18%
St. Clair Shores, MI59,86588-12%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Springfield, OR59,8821077%
West Des Moines, IA59,81596-4%
Taylorsville, UT59,9201000%
Cupertino, CA59,787222122%
Mansfield, TX59,7571066%
St. Clair Shores, MI59,86588-12%
Source: The St. Clair Shores, MI cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.