Schools
Children in 48060 attend the Port Huron Area School District (Port Huron High, Port Huron Northern, Central and Holland Woods middle schools).
St. Clair County, Michigan
Mortgage Broker in Port Huron, MI
Local mortgage guidance for Port Huron buyers and homeowners, with options shopped across multiple wholesale lenders and one Michigan broker who stays with your file.
- No credit pull to talk
- Licensed broker, NMLS 1647301
Buying a home in Port Huron
Port Huron sits where the St. Clair River meets Lake Huron, the seat of St. Clair County and a city of roughly 28,100 residents that carries the title Maritime Capital of the Great Lakes. The twin-span Blue Water Bridge to Sarnia, Ontario shapes the local economy through border logistics, alongside employers like McLaren Port Huron, Johnson Controls, IAC, Magna Powertrain, Dunn Paper and St. Clair County government. Median household income runs about $50,366.
This is a working waterfront city with real history, from the Fort Gratiot Light Station to the Thomas Edison Depot Museum, and its housing is priced for local paychecks. Zillow puts the typical value near $156,000. RealtyTrac pegs the 48060 median sale around $167,400, while recent medians in 48061 have ranged from roughly $140,000 for sold homes to about $188,000 for active listings, and river and lake views are a big part of the draw. Homes sell in about 31 days citywide, but the pace splits by neighborhood: the South End moves in roughly 21 days, waterfront listings around 37, and the North End closer to 83.
By the numbers
Port Huron housing and mortgage snapshot
Values move. Treat these as orientation and let us pull current figures for the address you are considering.
$156,000
Typical home value, from the market research on this page
+53%
Typical rise in taxable value the year after a home sells, 2026 Uncapping Study
1.15%
Effective property tax rate, as a share of value
2
Residential ZIP codes: 48060, 48061
What financing looks like in Port Huron
At a ~$160,000 median, a household earning roughly $45,000-$50,000/year can typically qualify, right around the local median household income of $50,366, which keeps 48060 genuinely attainable. Budget for property taxes: the median effective rate is about 1.15% (Ownwell), slightly above Michigan's 1.05%, with a median annual bill near $1,687, confirm exact millage by parcel with St. Clair County Equalization, since school code and TIF districts shift the number. First-time buyers should explore MSHDA down-payment assistance, which pairs well with this price point. At these values, conforming loans cover nearly every purchase; even the premium $400K+ waterfront tier stays well under the 2026 conforming limit of $832,750.
Nearly every Port Huron purchase fits well under the 2026 conforming limit of $832,750, so loan size is rarely the constraint.
Sub-markets
Port Huron housing market by ZIP code
Port Huron spans 2 residential ZIP codes, and they are different sub-markets.
ZIP 48060, near $155,000
The typical Port Huron home runs roughly $155,000-$167,000, the Zillow average value sits near $156,372, while RealtyTrac pegs the 48060 median sale around $167,396. Values are up about 1.4% to 3.7% year over year, depending on the source. Homes sell in roughly 31 days citywide per Redfin, though that masks wide swings: the South End moves in about 21 days, waterfront listings around 37, and the slower North End closer to 83. Demand is driven by relative affordability versus the state, the steady employment base around the border crossing and McLaren, and the draw of river and lake views. Named areas: South Park / South End, Old Town / Downtown Historic District, North End (toward Fort Gratiot).
ZIP 48061, near $156,000
Port Huron's typical home value runs around $156,000, with recent medians spanning roughly $140K for sold homes to about $188K for active listings depending on month and source. Values are climbing gently, Zillow shows about +1.4% year over year, while Redfin reported median sale prices up around 3.7% in March 2026. Homes change hands in roughly 31 days citywide, but pace splits sharply by area: South Port Huron has moved in about 21 days while North Port Huron has run closer to 83. Demand is driven by affordability, river and lake frontage, and the stability of the area's healthcare and manufacturing base rather than speculative surges. Named areas: Port Huron North, Port Huron Northeast, Port Huron Southwest.
Where to look
Port Huron neighborhoods
South Park / South End
(~$100,000-$160,000): The hottest sub-market, selling in about 21 days. Older bungalows and modest single-family homes, the entry-level, first-time-buyer sweet spot.
Old Town / Downtown Historic District
(~$120,000-$220,000): Victorian and early-1900s homes near Huron Avenue and the river, including the elaborate 1893 Boynton house. Walkable and close to the waterfront.
North End (toward Fort Gratiot)
(~$150,000-$300,000+): Near the lighthouse and Lakeside Beach; a slower market (~83 days) but with higher-end, near-water properties.
Harrison Pointe
(~$160,000-$280,000): Newer planned residential area, generally above the citywide median.
Riverfront / Waterfront
(~$250,000-$600,000+): Premium St. Clair River and Lake Huron views, the top price tier in the ZIP.
Port Huron North
(~$200K-$280K, area median ~$238K): the higher-value north side near Fort Gratiot, with lake access and newer housing.
Port Huron Northeast
(~$120K-$170K, median ~$142K): established mid-range residential streets.
Port Huron Southwest
(~$80K-$130K, median ~$105K): the most affordable side, full of older bungalows and ranches.
South Port Huron
(~$110K-$160K): a fast-moving segment where homes sell in roughly 21 days.
Schools and commute
Commute
Downtown Detroit is about 60 miles southwest via I-94, roughly a 1-hour to 1-hour-10-minute drive.
Michigan property taxes
Port Huron 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 Port Huron, our 2026 Uncapping Study found taxable value typically rises about 53% the year after a sale: roughly $2,140 more in first-year tax on a $300,000 home at the local homestead millage. We build your payment on that post-sale number.
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 Port Huron records yourself
The official offices behind the tax and school details on this page.
- City of Port Huron Assessor, for parcel records and current taxable value
- Port Huron Area School District, for district boundaries and enrollment
- St. Clair County Equalization, for county property tax records
What our clients say
★★★★★
Travis and the team at Align Lending are hands down the best mortgage option for anyone looking to buy or refinance. Travis spent as much time as it took to be sure I was in the best spot to buy a house and stuck with me through it all. I am so proud of my home and none of it would have been possible without Travis.
★★★★★
Very professional and knowledgeable, highly recommend for your lending needs!
★★★★★
Can’t say enough great things about Samantha and her team at Align Lending! Highly recommend
★★★★★
Samantha is a rockstar. We had an unusual situation with our lending and she went above and beyond to help us get our mortgage approved. I truly feel that if we had worked with any other lender or broker, we would not have been able to close on time, or maybe at all. I am beyond happy with the work Samantha did for us and how she handled the entire process. I cannot say enough good things about the work she did for me and my husband. I will be recommending Align Lending and Samantha to anyone that needs a lender.
★★★★★
Just bought my first home and Ryan Greiner made the mortgage process incredibly quick and easy to understand. He worked hand in hand with my realtor and made sure everything I needed was ready when it had to be. Definitely reccomend Align Lending and Ryan both!
★★★★★
As first time homebuyers we made sure to do our research before choosing a mortgage broker. We decided to go with Align Lending and could not have made a better choice. We worked with Samantha and she made the entire process smooth and easy. The customer service was top notch! The professional, yet caring approach was just what we were looking. We highly recommend Align Lending!
Individual experiences. Results vary.
Port Huron mortgage questions
If yours is not here, ask it on the call. There are no dumb questions.
How much does a home cost in Port Huron, MI 48060?
As of 2026, the typical home value is roughly $155,000-$167,000, with the average Zillow value around $156,372. That’s noticeably below the Michigan statewide average, making 48060 one of the more affordable waterfront markets in the state. Prices are up about 1.4% to 3.7% year over year depending on the source.
What income do I need to buy a median-priced home in Port Huron?
Roughly $45,000-$50,000 per year for the ~$160,000 median home, assuming a current mortgage rate near 7%, a modest down payment, and standard debt-to-income limits plus taxes and insurance. Since the local median household income is about $50,366, the median home is within reach for a typical local household.
What are the property taxes like in Port Huron?
The median effective property tax rate is about 1.15%, slightly above Michigan’s 1.05% median, and the median annual tax bill is around $1,687. Exact millage depends on your school code and whether the property sits in a tax-increment finance district, so confirm with the St. Clair County Equalization office for a specific address.
How long do homes take to sell in Port Huron?
About 31 days on average citywide (Redfin), though it varies by area, South Port Huron homes have sold in as little as ~21 days while North Port Huron has run closer to ~83 days. Well-priced homes in desirable areas move quickly.
Which neighborhoods in Port Huron 48060 should buyers look at?
Entry-level buyers gravitate to the South Park/South End area (~$100K-$160K, and the fastest-selling part of town at about 21 days). The Old Town/Downtown Historic District offers historic Victorians near the river (~$120K-$220K), while waterfront and North End homes near the lighthouse run higher, from the mid-$200Ks into the $600Ks for river or lake views.
Which schools serve Port Huron and what makes the area distinct?
The Port Huron Area School District serves the city with about 16 schools and 7,100 students. Port Huron itself is the seat of St. Clair County and a U.S.-Canada border city on the St. Clair River, anchored by the Blue Water Bridge, Michigan’s oldest lighthouse (Fort Gratiot, 1829), and a walkable waterfront, a manufacturing and healthcare hub with genuine Great Lakes character.
What is the commute from Port Huron to Detroit, and what drives the local economy?
Downtown Detroit is about 60 miles southwest via I-94, roughly a 1-hour to 1-hour-10-minute drive. Locally, Port Huron is the “Maritime Capital of the Great Lakes” and a major U.S.-Canada border crossing at the Blue Water Bridge, with jobs concentrated in automotive manufacturing (Johnson Controls, IAC, Magna Powertrain), healthcare (McLaren Port Huron), the Port Huron Area School District, and St. Clair County government.
Communities near Port Huron
St. Clair County overviewTalk with a local mortgage expert
Tell Samantha what you are trying to do in Port Huron and she will tell you what actually matters for your situation, including whether the timing is right.
- 1
Tell us what you are trying to do
Not what product you want. What you are actually trying to accomplish.
- 2
We look at your situation
A licensed Align loan officer works out what matters most for you specifically.
- 3
You leave with a plan
Your options, the tradeoffs, and your next step. No obligation to go further.
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.
