St. Clair County, Michigan has a 2026 one-unit conforming loan limit of $832,750, which is 3.7 times the county's median home value of $224,600, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $71,270 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $224,600 |
| Michigan median home value | $231,600 |
| Limit ÷ median home value | 3.71× |
| Median household income | $71,270 |
| Median home value ÷ income | 3.2× |
| Population | 160,221 |
| Median property tax paid (owners) | $2,562 |
| Effective property tax rate (approx.) | 1.14% |
| Owner-occupied homes | 80.8% |
| Home value rank in Michigan | 19 of 83 counties |
| Neighbor: Lapeer County, MI | limit $832,750; median home $239,000 |
| Neighbor: Macomb County, MI | limit $832,750; median home $243,900 |
| Neighbor: Sanilac County, MI | limit $832,750; median home $168,300 |
Across Michigan's 83 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. St. Clair County's median home value is 3% below the state median of $231,600 (rank 19 of 83). Among its 3 neighboring counties, Macomb County has the highest median home value ($243,900) and Sanilac County the lowest ($168,300); all share the same loan limit. Owners pay a median $2,562 a year in property tax, an effective rate of about 1.14% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
- 2026 conforming loan limit: St. Charles Parish, LA
- 2026 conforming loan limit: St. Clair County, AL
- 2026 conforming loan limit: St. Clair County, IL
- 2026 conforming loan limit: St. Clair County, MO
- 2026 conforming loan limit: St. Croix County, WI
- 2026 conforming loan limit: St. Croix Island, VI
- 2026 conforming loan limit: St. Francis County, AR
- 2026 conforming loan limit: St. Francois County, MO
Last updated 2026-10-16. Data only, not financial or tax advice.