Schools
Most of 48043 is served by Mount Clemens Community School District (including Mount Clemens High School), with some parcels in higher-rated L'Anse Creuse Public Schools.
Macomb County, Michigan
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Buying a home in Mount Clemens
Mount Clemens wears two hats: it is the Macomb County seat, with the courthouse and county government downtown, and it is a walkable historic river town that once drew Babe Ruth and Clark Gable to its mineral bathhouses during its "Bath City" heyday. Today roughly 15,480 residents live here, and the economy leans on McLaren Macomb hospital, county and court jobs, and a downtown arts scene anchored by the Anton Art Center and the Michigan Transit Museum. Median household income sits near $52,310 per the 2024 ACS, below state and county averages, which keeps this one of the more attainable corners of Macomb County's housing market. For buyers, that means real entry-level opportunity along the Clinton River.
By the numbers
Mount Clemens housing and mortgage snapshot
Values move. Treat these as orientation and let us pull current figures for the address you are considering.
$185,000
Typical home value, from the market research on this page
+64%
Typical rise in taxable value the year after a home sells, 2026 Uncapping Study
1.68%
Property tax current owners pay, as a share of value. A buyer's bill can reset higher the year after a sale
1
Residential ZIP code: 48043
What financing looks like in Mount Clemens
To comfortably carry the $185,000 median home with taxes and insurance, plan on income near $55,000 to $65,000; your number depends on your down payment, rate and debts, and Samantha can run it with you. Because area median income is about $52,310, a MSHDA down-payment-assistance program or an FHA loan can bridge the gap for first-time buyers. Watch property taxes closely: Mount Clemens carries one of Macomb County's higher effective rates, roughly 1.68% to 1.89%, or about $3,100 to $3,500 a year on a median home. Conforming loan limits sit far above local prices here, so jumbo financing is rarely a factor; this is conventional, FHA, and VA territory.
Nearly every Mount Clemens purchase fits well under the 2026 conforming limit of $832,750, so loan size is rarely the constraint.
The market
The Mount Clemens housing market
The 48043 median sale price runs around $185,000 in early-to-mid 2026, though sources diverge: Redfin shows a January 2026 median near $173,750 (down about 9.8% year over year), while Homes.com reports a trailing-12-month median closer to $190,000, up roughly 5%. Net, the trend is flat to modestly down. Homes spend anywhere from about 31 to 55 days on market depending on the data window. Demand is driven by affordability relative to metro Detroit, walkable downtown living, and steady employment from the courthouse and McLaren Macomb. Older bungalow and Colonial Revival stock keeps prices accessible.
Where to look
Mount Clemens neighborhoods
Downtown Mount Clemens
Walkable historic core near the courthouse with 1920s to 1950s homes, lofts, and condos steps from dining and the Clinton River. Prices run about $120,000 to $250,000 and up.
Breitmeyer Hills
A sought-after established pocket with larger, well-kept homes. Prices run about $150,000 to $300,000.
River Acres
Subdivision near the courthouse and the Selfridge/SANG area. Prices run about $130,000 to $220,000.
Shadyside / Clinton River area
Riverfront-adjacent bungalows near Shadyside Park. Prices run about $120,000 to $230,000.
North End / Historic District
Colonial Revival, ranch, and bungalow stock from the 1920s to 1950s. Prices run about $110,000 to $260,000.
Schools and commute
Commute
Downtown Detroit is about 25 to 26 miles away, roughly a 30 to 40 minute drive via I-94.
Michigan property taxes
Mount Clemens property taxes after you buy
The year after a Michigan home sells, its taxable value resets to half of the assessor's market value, so the seller's tax bill is not your tax bill.
In the City of Mount Clemens, our 2026 Uncapping Study found taxable value typically rises about 64% the year after a sale. On a $175,000 home, near the typical Mount Clemens value, the first-year tax goes up roughly $1,800 at the Mount Clemens schools rate. We build your payment on that post-sale number.
Looking at a Mount Clemens address? Our Michigan property tax calculator finds that property's published 2025 millage and works out the tax to plan for after you buy.
In Samantha's words
I'd much rather somebody ask me, "Why are your taxes higher than what I'm seeing online?" than have them build a housing budget around the wrong assumption.
Local resources
Check Mount Clemens records yourself
The official offices behind the tax and school details on this page.
- City of Mount Clemens Assessing, for parcel records and current taxable value
- Mount Clemens Community Schools, for district boundaries and enrollment
- Macomb County Equalization Department, for county property tax records
What our clients say
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Samantha Shelton is amazing!! She helped me get into my first home in Ferndale. The closing process was easy I was able to take care of everything without taking a day off of work. Being a first time homebuyer was stressful but she provided clear communication and true experience guidance throughout the entire process
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Can’t say enough great things about Samantha and her team at Align Lending! Highly recommend
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As a first-time homebuyer in Ferndale, I was unsure of some things. Samantha was awesome. She was extremely helpful and made sure I understood every part of the process.
★★★★★
Want to shout out Samantha for the expert guidance, made my first-time homebuyer experience seamless! It exceeded expectations and was a stress free process throughout. Grateful for all your help and loving my new home in Bloomfield Hills!
Individual experiences. Results vary.
Mount Clemens mortgage questions
If yours is not here, ask it on the call. There are no dumb questions.
What is the median home price in Mount Clemens, MI 48043?
The 48043 ZIP median sale price is roughly $185,000 in early-to-mid 2026, with citywide figures ranging from about $173,750 to $190,000 depending on the source and time window. That is well below the metro Detroit average, making Mount Clemens one of the more affordable entry points in Macomb County.
How much income do I need to buy a typical Mount Clemens home?
To comfortably afford the $185,000 median home, plan on a household income of roughly $55,000 to $65,000. That range includes property taxes and insurance. With a smaller down payment or higher rates, you’d want to be toward the upper end of that range. Note the area’s median household income is about $52,310, so a first-time-buyer or down-payment-assistance program can help.
Are property taxes high in Mount Clemens?
Mount Clemens carries one of the higher effective property tax rates in Macomb County, roughly 1.68% to 1.89% of value. On a $185,000 home that’s about $3,100 to $3,500 per year. Bills combine City, school (Mount Clemens Community or L’Anse Creuse), county, community college, MISD, and the State Education Tax. Michigan also caps annual taxable-value growth on homesteads, so confirm the exact homestead millage with the City Assessor before you buy.
Which school districts serve Mount Clemens 48043?
Most of the ZIP is served by Mount Clemens Community School District (including Mount Clemens High School). Some parcels fall in L’Anse Creuse Public Schools, which is higher rated, and Clintondale and Chippewa Valley serve adjacent areas. There’s also the Mt. Clemens Montessori Academy charter. Because district boundaries cross the ZIP, always verify the assigned school for a specific address.
What neighborhoods should I look at in Mount Clemens?
Popular areas include walkable Downtown Mount Clemens (lofts/condos and 1920s to 1950s homes, roughly $120,000 to $250,000+), the sought-after Breitmeyer Hills (about $150,000 to $300,000), River Acres near the courthouse (about $130,000 to $220,000), and the Clinton River/Shadyside area (about $120,000 to $230,000). Housing stock leans toward Colonial Revival, ranch, and bungalow styles ranging from vintage to fully renovated.
How long does it take to commute from Mount Clemens to downtown Detroit?
Downtown Detroit is about 25 to 26 miles away, a roughly 30 to 40 minute drive via I-94 depending on traffic. As the Macomb County seat with its own hospital (McLaren Macomb), courthouse, and downtown jobs, many residents also work locally, which keeps Mount Clemens attractive for buyers who want city access without a long daily commute.
Communities near Mount Clemens
Macomb County overviewTalk with a local mortgage expert
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Align Lending LLC, NMLS #2041154. Samantha Shelton, NMLS 1647301. Equal Housing Opportunity. Licensed in Michigan, Ohio, North Carolina, Florida, Louisiana and Texas. Figures on this page are market research for orientation, not a quote. This page is for educational purposes only. It is not a credit decision, a preapproval, a commitment to lend, or an offer of credit.
