St. Clair 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. ClairMichiganNational
Cost of living index9089100
IndexSt. ClairMichiganNational
Goods & Services index9695100
Groceries index9092100
Health care index9996100
Housing index7473100
Transportation index9897100
Utilities index105100100
An overview of the general cost of living index for St. Clair, MI is displayed above for your reference. Residents in St. Clair, MI enjoy a cost of living index of 90. This index is 1% higher than the Michigan average, and 10% 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, 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 is 1% higher than the Michigan average.
  • The cost of living in St. Clair is 10% lower than the national average.
  • The cost of housing in St. Clair is 26% 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, MI Cost of living To Other Cities

Salary Calculator

This is how much you would need to earn in
Price difference in compared to
Cost of living index
Goods & Services index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
The salary calculator is meant to help you compare your salary in St. Clair, MI to your potential earning power in another city. This can help you deduce what your salary would need to be in any given city in order for you to live the same lifestyle that you do in your current city. In other words, if you plan on moving to a city where the cost of living is higher than in St. Clair, MI, you'll have to make more money in the new city in order to maintain the lifestyle you currently enjoy. To use the St. Clair, MI salary calculator, simply input the new city, then move the adjustable slider to match your current income. Once you've selected your income, the calculator will determine if that income is sufficient to support your standard of living in the new city you entered. The calculator will also supply you with a rundown of living costs in the new city.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
If you want to find a good determining factor for the cost of living and the general affordability of housing in St. Clair, MI, all you must look at is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In St. Clair, MI, the median monthly income is $57,825 for those who own their own homes. Under the standard rule, that income level would allow for $1,349 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $24,622, per the median income in the area. That would allow for renters to spend up to $574 on monthly rental expenses.

Michigan Sales Tax

StateGeneral Sales TaxWith Max Surtax

Michigan Income Tax

StateIncome Tax (Low)Income Tax (High)
One thing to keep in mind when considering the cost of living in St. Clair, MI is the Michigan sales tax and Michigan income tax rates. Sales taxes are taxes that are collected on most goods or services sold. Sales taxes can vary by state and can be as high as 7% and as low as 0% as not every state imposes a sales tax. The Michigan sales tax rate is 6% and the maximum surtax that can be charged is 6%. Income tax is the tax imposed on income by both the federal and state government. The income tax rates varies by individual state and will also be higher or lower depending on the applicable tax bracket. The rates of state income tax can vary from 0% to more than 9%. The Michigan income tax rates range from 4.25% to 4.25%.

Goods & Services

ItemSt. ClairNational 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%


ItemSt. ClairNational 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. ClairNational 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%


ItemSt. ClairNational avg.Difference
Home Price $129,400.00$175,700.0026.4%
Avg. Mortgage Payment $927.72$1,081.0314.2%
Apartment Rent $675.00$920.0026.6%


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


ItemSt. ClairNational 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.
Port Huron, MI29,53483-17%
Marine City, MI4,19384-16%
Memphis, MI1,20085-15%
Algonac, MI4,06587-13%
Marysville, MI9,84288-12%
St. Clair, MI5,42890-10%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Pawcatuck, CT5,42812424%
Woodside, CA5,427217117%
East Freehold, NJ5,42914545%
Lehighton, PA5,42799-1%
Brewton, AL5,42686-14%
St. Clair, MI5,42890-10%
Source: The St. Clair, MI cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2015.