Algonac, Michigan.
Typical home $261,418 (+2.4% in a year). Detroit-Warren-Dearborn, MI metro.
to buy the typical home at today's mortgage rate — +$676 (+97%) since Jan 2020.
- 1 year
- Up $6,217 +2%
- $255,201$261,418 since Sep 2025
- 5 years
- Up $43,634 +20%
- $217,784$261,418 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Algonac$1,372
- Michigan$1,384
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 19 years.
Typical home values in Algonac, MI rose 2.4% over the past year — faster than the nation's +1.2%.
Living in Algonac, St. Clair County, Michigan
Algonac is a city of 4,196 people in St. Clair County. Half its households earn more than $56,820 a year and half less, against $71,270 across St. Clair County; 14% of its people live below the poverty line. 75% of its homes are lived in by their owners and 25% are rented. Unemployment in St. Clair County was 5.3% in August 2026, and the county had 1.3% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Algonac is a small city in St. Clair County where most homes are lived in by their owners. Household incomes are below the county's, and a four-year degree is less common among adults than it is in many places. Winters are cold, with January the coldest month, and summers are warm, with July the warmest; rain and melted snow add up to a moderate amount through the year.
Work. Residents work mostly in schools, hospitals and social care, followed by shops, restaurants and hotels, and manufacturing. Across St. Clair County, some of the largest workplaces are McLaren Port Huron, the Port Huron Area School District and Anchor Bay School District. The typical commute is a fairly long one, and few people work from home. Unemployment across the county is higher than a year ago, and there are somewhat fewer jobs than the year before.
Things to do. Algonac State Park is in or beside town, a protected area for time outdoors. Tashmoo Park, an amusement park, and Kolping Park and Chapel are both a short drive away. For a longer drive, Lake Saint Clair is the big lake on the town's doorstep, and the Thomas Edison Depot Museum is a museum that takes a longer trip.
Report a mistake
- 1,859households
- 15%of adults have a degree
- 14%below the poverty line
- 30 mintypical commute
- 5%work from home
What residents work in
Employed residents by industry, from the Census survey. St. Clair County had 41,734 jobs in 2025, 1.3% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 33° and lows near 16°; warmest in July, with highs near 85° and lows near 60°. About 35 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Algonac Wwtp weather station, under a mile away (NOAA).
Largest workplaces in St. Clair County
- Mclaren Port HuronGeneral hospital956FTE
- Port Huron Area School DistrictSchool district884FTE
- Anchor Bay School DistrictSchool district641FTE
- US FarathaneDoors and door frames, plastics, manufacturing549
- East China School DistrictSchool district518FTE
- St. Clair County RESA SchoolsSchool district515FTE
- Magna Electric Vehicle StructuresFuel pumps, electric, automotive, truck, and bus, manufacturing465
- Alta Gas SEMCO EnergyDistribution of natural gas424
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 119 workplaces with 20 or more staff, 13,477 people in all across the county; Algonac has none of its own. Hospitals come from their Medicare cost reports (CMS, 2023) and school districts from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Cold wavesRelatively high
- Ice stormsRelatively moderate
- Strong windRelatively moderate
- Inland floodingRelatively moderate
- TornadoesRelatively moderate
- Winter weatherRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Algonac’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on St. Clair County and the Detroit-Warren-Dearborn, MI metro.
Algonac home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Algonac$261,418
- Michigan$263,760
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Algonac listings, and the typical home goes pending in 22 days — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Algonac36.38%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
Not enough data to draw this yet.
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Algonac85
New listings per month
Sellers arriving at the market.
- Algonac21
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Algonac$278,296
- United States$371,407
Zip codes with a Algonac address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Algonac — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Algonac
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 48001 | Algonac | 11,224 | — | $259,906 |
| 48028 | Harsens Island | 1,272 | — | $319,403 |