Mount Clemens vs Saint Clair Shores: property taxes compared
Saint Clair Shores is the cheaper of the two. Its lowest homestead rate is 47.6075 mills against Mount Clemens's 49.1191 — about $265 a year less on a $350,000 home at the uncapped taxable value.
Side by side
| Municipality | Homestead mills | County rank | $250,000 | $350,000 | $500,000 |
|---|---|---|---|---|---|
| Saint Clair Shores | 47.6075–50.1591 | 19 of 24 | $5,951 | $8,331 | $11,902 |
| Mount Clemens | 49.1191–52.9191 | 20 of 24 | $6,140 | $8,596 | $12,280 |
Dollar columns are the annual homestead bill at the uncapped taxable value — roughly half the purchase price. Multi-district cities show their full rate range; the rank and dollar figures use each city's lowest district.
Same schools, different bill
These two municipalities share 1 school district. A school district is not a taxing unit — the city millage stacks on top — so the same classrooms can cost a different amount per year depending on which side of the municipal line the house sits.
| Shared district | Mount Clemens | Saint Clair Shores | Gap on $350k |
|---|---|---|---|
| L'Anse Creuse Public Schools | 49.1191 | 48.4575 | $116/yr |
What the difference costs over time
Held for 10 years, that gap compounds to $2,645 at today's rates on a $350,000 home — before any millage change. At $250,000 the annual difference is $189; at $500,000 it is $378. The gap scales with price, so it matters more at the top of each city's market than at the bottom.
Choosing the district can matter more than choosing the city. Inside Mount Clemens alone the homestead rate runs 49.1191 to 52.9191 mills — a $665 annual swing on a $350,000 home, wider than the $265 gap between the two cities. Two houses on the same street can sit either side of that line.
All figures use each city's lowest homestead rate at the uncapped taxable value — roughly half the purchase price — from the Michigan Department of Treasury's 2025 Total Rates report. A non-homestead property adds about 18 mills on top in either city.
Common questions
Is Mount Clemens or Saint Clair Shores cheaper for property taxes?
Saint Clair Shores is the cheaper of the two. Its lowest homestead rate is 47.6075 mills against Mount Clemens's 49.1191 — about $265 a year less on a $350,000 home at the uncapped taxable value.
How much more are property taxes in Mount Clemens than Saint Clair Shores?
About $265 a year on a $350,000 home — 49.1191 mills versus 47.6075 at each city's lowest homestead rate, using the official 2025 Michigan Treasury millage report.
Do Mount Clemens and Saint Clair Shores share any school districts?
Yes — L'Anse Creuse Public Schools. The rate still differs across the municipal line because city millage stacks on top of the school levy, so the same district can cost more in one city than the other.
Will my bill match what the listing shows?
Usually not, in either city. Michigan taxable value uncaps the year after a sale and resets to roughly half the purchase price, so the seller's capped bill on the listing is almost always lower than what you will pay.