Mortgage Broker in St. Clair County, Michigan
From our Waterford office, about fifty minutes west of the county, Align Lending arranges purchase and refinance loans in all 9 communities of St. Clair County, Michigan.
Prices across St. Clair County sit in a fairly tight band, from roughly $150,000 in Yale to about $290,000 in Emmett, the top end about 90 percent above the bottom. Loan size rarely separates one St. Clair County town from the next here; the tax step after a sale, the condition of the house and the cash to close usually do.
Buying a Home in St. Clair County
St. Clair County runs along the water from Algonac up through Marine City and St. Clair to Port Huron and the Blue Water Bridge. Waterfront and near-waterfront property is a real part of this market, which brings flood zones, seawalls and private wells into the financing conversation more often than elsewhere.
Home Values Across St. Clair County
8 St. Clair County communities have a city guide on our site, from Emmett near $290,000 down to Yale near $150,000. The middle of the list is Capac, near $208,000.
| Community | Typical home value, per its city guide | Typical housing |
|---|---|---|
| Emmett | $290,000 | acreage and rural parcels, colonials and subdivisions |
| St. Clair | $290,000 | lakefront/waterfront homes, historic homes |
| Algonac | $245,000 | lakefront/waterfront homes |
| Marysville | $236,000 | historic homes, colonials and subdivisions |
| Capac | $208,000 | acreage and rural parcels, colonials and subdivisions |
| Marine City | $189,000 | lakefront/waterfront homes, historic homes |
| Port Huron | $156,000 | lakefront/waterfront homes, historic homes |
| Yale | $150,000 | acreage and rural parcels, mid-century ranches |
St. Clair County Property Taxes After a Sale, Community by Community
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. Across the 30 assessing units in St. Clair County, our 2026 Michigan Property Tax Uncapping Study puts the typical rise in taxable value after a sale between about 33% in the City of Memphis and 81% in Greenwood Township, against about 49% for the county as a whole. 16 of the 30 sit above the statewide 50.5%.
| Assessing unit | Taxable value rise after a sale | Added first-year tax, $300,000 home | Parcel records |
|---|---|---|---|
| Greenwood Township | +81% | about $1,760 | |
| Emmett Township | +65% | about $1,660 | assessing office |
| Lynn Township | +62% | about $1,510 | |
| Brockway Township | +62% | about $1,680 | |
| Mussey Township | +62% | about $2,000 | assessing office |
| City of Marine City | +62% | about $2,180 | assessing office |
| Columbus Township | +60% | about $1,520 | |
| Burtchville Township | +60% | about $1,460 | |
| Kenockee Township | +59% | about $1,610 | |
| Wales Township | +56% | about $1,480 | |
| Riley Township | +56% | about $1,440 | |
| Casco Township | +55% | about $1,500 | |
| City of Yale | +53% | about $2,440 | assessing office |
| City of Port Huron | +53% | about $2,140 | assessing office |
| City of Algonac | +52% | about $1,910 | assessing office |
| Clay Township | +51% | about $1,630 | |
| Berlin Township | +50% | about $1,430 | |
| Ira Township | +48% | about $1,440 | |
| Port Huron Township | +48% | about $1,690 | |
| Clyde Township | +46% | about $1,250 | |
| City of Marysville | +46% | about $2,040 | |
| Kimball Township | +44% | about $1,300 | |
| Grant Township | +43% | about $1,310 | |
| Fort Gratiot Township | +42% | about $1,420 | |
| East China Township | +42% | about $1,210 | |
| China Township | +42% | about $1,060 | |
| Saint Clair Township | +40% | about $1,140 | |
| Cottrellville Township | +39% | about $1,090 | |
| City of St. Clair | +39% | about $1,630 | |
| City of Memphis | +33% | about $1,650 |
On the same $300,000 house, that is about $1,760 more in the first year's tax in Greenwood Township against about $1,650 in the City of Memphis, which is why we price your payment on the post-sale figure for the exact address. Figures from State Tax Commission records, at each unit's median homestead millage.
Where to Look in St. Clair County, by the Kind of Home You Want
Sorted from what each St. Clair County city guide says about its own homes: 4 of them describe historic downtowns and older homes, the largest group.
Historic downtowns and older homes
Marine City, Marysville, Port Huron and St. Clair.
Which Loan Usually Fits Where in St. Clair County
Set against the 2026 conforming limit of $832,750, the 8 St. Clair County communities with a guide sort into 2 groups. The largest is "Conventional and FHA, strong first-time buyer fit", with 5. The house you choose and your own numbers settle it in the end.
Conventional and FHA, strong first-time buyer fit
Emmett, St. Clair, Algonac, Marysville and Capac (typical values $208,000 to $290,000).
FHA and down payment assistance do the heavy lifting
Marine City, Port Huron and Yale (typical values $150,000 to $189,000).
Help With Cash to Close in St. Clair County
Cash to close, the down payment plus closing costs plus reserves, is often the number that decides a purchase in Yale, Port Huron, Marine City, Capac and Marysville and 3 more, where typical values sit between $150,000 and $290,000.
- MSHDA homeownership programs, Michigan's down payment assistance and first-time buyer loans.
- Our first-time buyer page and the budget review.
St. Clair County Records and Official Sources
- St. Clair County Equalization, for parcel records and the current taxable value on a specific address.
- Michigan DIFS, to verify any mortgage company or loan officer you are considering, including us.
St. Clair County Mortgage FAQs
Do you lend everywhere in St. Clair County?
Yes, in all 9 communities on this page, from Emmett to Yale, and anywhere else in Michigan.
Where in St. Clair County is the property tax jump after a sale biggest?
In our 2026 Uncapping Study the largest typical rises in taxable value after a sale are in Greenwood Township (about 81%), Emmett Township (about 65%), Lynn Township (about 62%). The smallest is the City of Memphis, about 33%.
Will I need a jumbo loan in St. Clair County?
Rarely. The highest typical value in St. Clair County is about $290,000 in Emmett, under the 2026 conforming limit of $832,750.
Where are homes least expensive in St. Clair County?
Among our city guides, Yale (near $150,000), Port Huron (near $156,000) and Marine City (near $189,000). A typical home in Yale costs roughly 50 percent of one in Emmett, so the same budget buys a very different house across the county.
Talk With a St. Clair County Mortgage Expert
Shopping Emmett, Yale or somewhere in between? Tell Samantha what you are trying to do and she will tell you which part of the purchase needs attention first, and whether the timing is right.
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Align Lending LLC · NMLS #2041154 · Equal Housing Opportunity · 2625 Pontiac Lake Road, Waterford, MI 48328 · 248-506-5727
