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ZIP Code 48040

St. Clair, Michigan

FIPS 48040

Juniper

ZIP Code 48040 is in the top 7% nationally for FEMA risk score. It also sits in the top 27% nationally for appreciation 1yr %. And it sits in the top 27% nationally for HPI growth 5yr %.

Median Home Value

$208,600

Near the U.S. ZIP codes median

HPI Growth 5yr %

50%

Higher than 73% of U.S. ZIP codes

FEMA Risk Score

15.5

Lower than 93% of U.S. ZIP codes

The basics

Total Population

9,925

Median Age

45.4

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$208,600

Near median

Median Property Tax

$3,234

Effective Tax Rate

2%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

3.12

Higher than 56%

Median Rent

$974

Higher than 58%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

50%

Higher than 73%

Appreciation 1yr %

2.1%

Higher than 73%

Pandemic Gain %

37%

Recession Drop %

-34%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

79.1

Winter Avg Low (°F)

22.3

Avg Temperature (°F)

49.5

Hot Days/yr (>90°F)

10.1

Freezing Days/yr (<32°F)

122.4

Annual Precipitation (in)

34.9

Annual Snowfall (in)

35.5

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

15.5

Lower than 93%

EAL Flood/Coastal per $1K

0

The full report

Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.

  • People

  • Work & Money

  • Housing

  • Amenities

  • Environment & Risk

ZIP Code 48040: frequently asked questions

What is the median home value in ZIP Code 48040?
The median home value in ZIP Code 48040 is $208,600, near the U.S. ZIP codes median.
How much is property tax in ZIP Code 48040?
The median annual property tax in ZIP Code 48040 is $3,234, an effective rate of 2% of home value.
Is ZIP Code 48040 expensive to live in?
Homes in ZIP Code 48040 cost about 3.12× the median household income, higher than 56% of U.S. ZIP codes.
What is the average rent in ZIP Code 48040?
The median gross rent in ZIP Code 48040 is $974 a month, higher than 58% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 48040?
Home prices in ZIP Code 48040 have moved 50% over the past five years (2.1% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 48040?
ZIP Code 48040 averages 49.5°F year-round, summer highs near 79.1°F, winter lows around 22.3°F (NOAA 1991–2020 normals). It sees about 35.5 inches of snow a year.
Is ZIP Code 48040 at risk of flooding or natural disasters?
ZIP Code 48040's FEMA National Risk Index score is 15.5 (lower than 93% of U.S. ZIP codes). Its greatest modeled natural hazard is tornado. Modeled coastal-flood loss is negligible.

Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap, EPA. Explore the map →