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ZIP Code 48040

St. Clair, Michigan

ZCTA 48040

Juniper

ZIP Code 48040 is in the lowest 3% nationally for FEMA risk score. It also sits in the lowest 26% nationally for typical home value. And it sits in the lowest 39% nationally for home price growth over the past year.

Typical Home Valuemedian home value (ACS), re-priced to today on the FHFA index

$244,980

Lower than 74% of U.S. ZIP codes
Home Price Growth, Past Five Years

50%

Lower than 58% of U.S. ZIP codes
FEMA Risk Score0–100; 0 = lowest modelled risk, 100 = highest, vs places of the same type

15.4

Lower than 97% of U.S. ZIP codes

The boundary of ZIP Code 48040, in St. Clair, Michigan.

The basics

Total Population

9,925

Median Age

45.4

Population Density

1,435.92

Home values & property tax

Median Property Tax

$3,234

Property Tax Rateyearly tax as a share of home value

1.6%

Cost of living & affordability

Home Price vs Incomeyears of income to buy a typical home

3.12×

Near the U.S. ZIP codes median
Median Income

$66,901

Lower than 58% of U.S. ZIP codes
Median Rent

$974

Near the U.S. ZIP codes median

Home prices & appreciation

Home Price Growth, Past Year

2.1%

Lower than 61% of U.S. ZIP codes
Pandemic Price Run-Up2019–20 low → 2022–23 peak

37%

2008 Crash: Peak-to-Trough Drophow far prices fell, 2007 → 2011

34%

Climate & weather

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

Coastal Flood Loss per $1,000

$0

The full report

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

  • People

  • Work & Money

  • Housing

  • Amenities

  • Climate

  • Environment & Risk

ZIP Code 48040: frequently asked questions

What is the typical home value in ZIP Code 48040?
The estimated median home value in ZIP Code 48040 today is $244,980, lower than 74% of U.S. ZIP codes.
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 1.6% of home value.
Is ZIP Code 48040 expensive to live in?
Homes in ZIP Code 48040 cost about 3.12× the median household income, near the U.S. ZIP codes median.
What is the average rent in ZIP Code 48040?
The median gross rent in ZIP Code 48040 is $974 a month, near the U.S. ZIP codes median.
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.
How many people live in ZIP Code 48040?
ZIP Code 48040 has a population of 9,925, about 1,435.92 people per square mile, per the U.S. Census American Community Survey. The median age is 45.4.
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 15.4 (lower than 97% of U.S. ZIP codes). Its greatest modeled natural hazard is inland flooding. Expected annual loss from flooding is $0 per $1,000 of building value.

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

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