Estimated values: The U.S. Census suppresses field-level data for small places. Estimated from constituent census tracts, pop-weighted from real underlying ACS data.
Tenant beats landlord
23.5%
/ 100 outcomes
In court-decided eviction outcomes for St. Charles, MI, tenants prevail in roughly 23.5% of contested cases. A higher number means landlords face stronger tenant defenses, longer calendars, and more required documentation, and landlord-friendliness drops as this rises.
Timeline
54d
filing → judgment
From the moment an unlawful-detainer notice is filed in St. Charles, MI until a money judgment is entered, a contested eviction takes about 54 days on average. Longer timelines mean more lost rent and higher carry costs for landlords.
Cost range
$2.3–6.6k
legal + lost rent
A typical eviction in St. Charles, MI costs landlords $2,329 to $6,620 all-in, covering court filing fees, process-server costs, attorney time, and lost rent during the calendar between filing and possession.
Average rent
$460
34% stretched on rent
Average gross rent in St. Charles, MI is $460 per month per the U.S. Census American Community Survey (5-year 2023). 34% of renter households here spend more than 30% of pre-tax income on rent, the federal cost-burden threshold.
Renters
30.8%
of households
30.8% of occupied housing units in St. Charles, MI are renter-occupied (vs owner-occupied). A higher renter share usually correlates with more eviction filings, more turnover, and a more active rental market.
Poverty
8.9%
9.7% unemp.
8.9% of St. Charles, MI residents live below the federal poverty line, and unemployment runs at 9.7%. Both feed into the economic-stress sub-score in our Eviction Risk Score model because rent payment problems track poverty + joblessness more reliably than any other single signal.
Time machine
Scrub 50 years
197619861996200620162026
2026
● LIVE · today◀ REPLAY · historical
Nine-axis profile
9-axis profile · today
Shape of the risk surface
1 landlord · 10 tenant
Sub-scores · with sparkline
Where the score comes from
1 → 10 scale
Local political climate
GOP margin +3.3% (2024)
5.5
Regional political climate
County-weighted neighbor mix
5.5
State political climate
Michigan legislature & governorship
3.3
Economic stress
8.9% poverty · 9.7% unemp.
3.8
Supply constraint
$460 average · 30.8% renters
2.4
Rent Control risk
33.7% of income on rent
1.9
Eviction process difficulty
54 days filing → judgment
3.5
Tenant organizing strength
30.8% renters
3.0
Housing court bias
County bench composition
3.0
Geographic context
Risk heat across St. Charles and the region
Click any city to see its score
How St. Charles compares
Risk score vs. peers, county, state, and the U.S.
Rank in Saginaw County
Low
#13of 16 cities
#13 of 16 cities in Saginaw County for landlord eviction risk.
Rank in Michigan
Moderate
#389of 743 cities
#389 of 743 cities in Michigan for landlord eviction risk.
vs. county · state · U.S.
Score story
Six-stop tour of the risk profile
3
/ 10 · LOW
The verdict
A Low-tier market.
Composite 3/10. Mid-range market; standard documentation usually wins. The 50-year curve shows a slow, steady climb.
50-yr trend+0.9 over 50 yr
197620012026
Steady ratchet · no large swings
54d
Typical timeline
The money
What renting (and evicting) looks like.
Rent published at $460/mo. A contested eviction takes 54 days and costs $2,329–$6,620 per case.
50-yr trendCalendar drag rising since '15
197620012026
Court-clerk data lands in the next release.
30.8%
Renters
The renters
Who you'll be renting to.
Out of 1,934 residents, 30.8% rent. 34% are spending 30%+ income on rent, 8.9% below the poverty line.
50-yr trendRenter share rising
197620012026
ACS 1970-present · once the migration overlay is in.
5.5
Local + regional
The politics
Mid-range climate. Not a coastal market.
Local & regional political climate score 5.5 and 5.5 (GOP margin +3.3% (2024)). State climate at 3.3, a mid-range statehouse.
50-yr trendTracks county vote margin
197620012026
Built on 50-yr presidential margins back to 1976.
3.3
State politics
The process
Moderate calendar, moderate friction.
State political climate 3.3/10 sets the legislative ceiling for landlord remedies, and it shows up in the process. Eviction process difficulty reads 3.5, housing court bias 3, rent-control risk 1.9. Standard process speed for the state.
50-yr trendProcess difficulty +-1.5 since '00
197620012026
Court-clerk data lands in the next release.
3.8
Economic stress
The stress
Economic pressure is the background risk.
Economic stress: 3.8. Supply constraint: 2.4. The numbers behind those: 8.9% poverty, 9.7% unemployment, 34% of income on rent.
50-yr trendTwo visible dips · '08 + COVID
197620012026
Mirrors BLS unemployment series.
US eviction landscape · timeline × all-in cost
St. Charles sits in the quick & cheap quadrant
Bubble size = population · color = risk score
St. Charles · 54d · ~$4.5k all-in ($83/day) · score 3National average: 58d · $4.6k all-inHover any bubble for stats · click to openColor: 0–4 4–7 7–10
Landlording in St. Charles, Michigan, presents a manageable operating environment for documented landlords. The Eviction Risk Score is 3/10 (LOW tier), drawn from the nine sub-axes shown above, covering rent-control exposure, eviction-process difficulty, housing-court bias, tenant-organizing strength, supply constraint, economic stress, and local, regional, and state political climate. This is not a quick-fix market: it's a Mid-tier market where lease drafting, screening discipline, and well-documented notices materially change outcomes.
St. Charles is a city of 1,934 residents where 30.8% of occupied units are renter-occupied, and the typical renter spends 33.7% of income on rent. At an average rent of $460/month, the typical renter household here spends more than the federal 30% threshold on housing, a leading indicator of payment volatility and a precondition for the kinds of tenant defenses that show up most often in housing court.
01Process
How St. Charles eviction process actually works
Eviction process difficulty here reads 3.5/10, a number that combines statutory complexity (notice categories, just-cause rules, mandatory pre-filing disclosures) with operational realities (court calendar length and clerk responsiveness). The typical contested filing in St. Charles closes 54 days after the initial notice. For non-payment of rent the first step is a properly-formatted, properly-served pay-or-quit notice; for material lease breaches it's a cure-or-quit; for tenancies under just-cause protection an at-fault grounds notice (or a no-fault notice with statutory relocation assistance) is required.
The slow part of St. Charles's timeline is usually the calendar, not the motion practice. Housing court bias scores 3/10 here, meaning judges read borderline procedural defects in the tenant's favor more often than the national norm. The practical implication: every notice and every proof of service needs to be airtight before it gets filed.
02Cost
What it costs (and how long it takes)
An all-in eviction in St. Charles runs $2,329 to $6,620 per case once you account for filing fees, attorney time, lost rent during pendency, sheriff lockout, and unit turnover. That range is wide because the upper bound assumes a tenant answer plus motion practice, common when housing court bias is high. The lower bound assumes a default judgment after proper service.
For landlords running the numbers on holding costs vs. cash-for-keys: if your projected timeline times your monthly rent already exceeds the high-end cost number, cash-for-keys at 1–2 months' rent is typically the economically rational choice. With 54 days of typical timeline and $460/month in lost rent, that crossover happens fast here.
03Operations
Security deposits, screening, and lease terms
Tenant organizing strength scores 3/10 in St. Charles, and the city has limited rent control exposure (1.9/10). Operations practice that survives audit in this environment looks like:
Screening discipline. Document income (verified at 2.5 to 3x rent), credit (with a clear minimum), and prior-tenancy reference checks, but do not screen on protected categories or source-of-income where banned. Keep a written, consistent screening criteria document for every applicant.
Lease specificity. Use a state-specific lease that names every term clearly: rent due date, late fees within statutory caps, deposit handling, smoke and CO disclosure, lead paint disclosure (pre-1978 stock), and a clean attorney's-fees clause.
Security deposit handling. Itemize deductions within the statutory window. Photograph move-in/move-out condition. In Michigan, deposit cap and refund window are statute, so exceed them at your own risk.
Mid-tenancy documentation. Keep date-stamped records of every rent receipt, every habitability request, every notice served. The day you need them in court is too late to start.
04Strategy
What an everyday landlord should actually do here
If you own one to four units in St. Charles: hire a property manager who knows the local court. The pricing differential between self-managing and hiring out is small relative to the cost of one botched eviction in a LOW tier market. If you own five or more: build relationships with a local landlord-side attorney before you need one, since retainer fees are negligible compared to emergency-rate billing when an eviction is already moving.
The avoidable mistakes here are all upstream of the filing: weak screening, an informal lease, sloppy rent receipts, and notice templates pulled off the internet that don't match Michigan's statutory language. Fix those four, and most cases settle or default. Skip them, and a $6,620 all-in fight is the realistic worst case.
04bPractical traps
Local traps to avoid in St. Charles
Trap · 0.3 POINTS
Politically, Saginaw County voted Democratic by 0.3 points in 2020, a baseline that correlates with tenant-protective legislative pressure. Combined with 33.7% rent-to-income ratio, expect baseline enforcement of MCL 600.5701.
05FAQ
Frequently asked questions
Q1
What's the most common mistake landlords make in St. Charles?
The biggest mistake is usually improper notice or attempting a self-help eviction. Landlords often fail to serve the notice correctly, use the wrong notice period, or try to change locks or shut off utilities. These actions are illegal, can lead to lawsuits, and will get your eviction case dismissed. Always follow the letter of the law.
Q2
Can I charge late fees in St. Charles?
Yes, you can charge reasonable late fees as long as they are clearly stated in your lease agreement. Michigan law doesn't specify a maximum late fee amount, but courts will generally consider fees that are excessive or punitive to be unenforceable. A typical late fee might be $25-$50 or a percentage of the rent, charged after a grace period (e.g., 5 days).
Q3
Do I need to offer a written lease?
While oral agreements can be legally binding for month-to-month tenancies, a written lease is always, always recommended. It clearly outlines the terms and conditions, protecting both you and the tenant. For tenancies longer than one year, a written lease is legally required in Michigan to be enforceable.
Q4
What if my tenant claims the property needs repairs? Can they withhold rent?
No, tenants in Michigan generally cannot withhold rent for repairs unless there's a serious health or safety issue and they have followed specific legal steps, which usually involve notifying you in writing and giving you a reasonable time to fix it. Even then, they typically must place the rent in an escrow account. If a tenant tries to withhold rent, issue your 7-day pay-or-quit notice.
Q5
Is there rent control in St. Charles, MI?
No, there is no rent control in St. Charles or anywhere else in Michigan. State law prohibits local governments from enacting rent control measures. This means you can raise rents to market rates, provided you give proper notice (usually 30 days for month-to-month tenancies). However, always be mindful of market conditions. You can find more details on our Michigan rent control rules page.
A 3/10 places St. Charles in the 59th percentile of Michigan cities on the Eviction Risk Score index. The score is the average of the nine sub-axes, all calibrated on a national 1 to 10 scale where 1 is most landlord-friendly and 10 is most tenant-protective. The 50-year reconstruction shows this score has climbed steadily since 1976, a structural drift driven by court-calendar growth, rent-control adoption, and the rise of tenant-side legal aid. The trajectory matters more than the snapshot: the score is the climate, not the weather.
Cities with similar eviction risk to St. Charles (3/10)
Same risk band nationally · click any city for its full breakdown.
