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MI area data

Saginaw, MI

Aggregated across 6 ZIP codes in Saginaw.

Population: 111,076 (Census ACS)

The median home value in Saginaw, MI is $131,016 — up 3.7% over the past year. Homes sell for a median $139,542 after a median 67 days on market. Typical rent runs $1,163/month. 42 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Moderate, with winterweather, coldwave, strongwind the top-rated hazards. Cost of living is 3.8% below the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$131,016

Median home value

+3.7%

1-year change

67

Median days on market

Relatively Moderate

Hazard risk (county)

Home values & appreciation

Median home value
$131,016
1-year appreciation
+3.7%
3-year appreciation
+10.1%
5-year appreciation
+25.2%
10-year appreciation
+128.2%
All-time peak (2024-07)
$132,535
House Price Index (state)
400.5 (+3.7% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$139,542
Median list price
$138,875
Median price per sqft
$94
1-year sale-price change
-6.5%
Median days on market
67 days
Homes sold (recent period)
57
For-sale inventory
462
Sale-to-list ratio
98.0%
Active listings
53
1-year forecast
+2.9%
Days to pending
42 days
New listings (monthly)
146

Source: recent area sales and market data (ZIP-level)

Rents

Typical rent
$1,163/mo
1-year rent change
+10.9%
Studio fair-market rent
$795/mo
1BR fair-market rent
$893/mo
2BR fair-market rent
$1,141/mo
3BR fair-market rent
$1,466/mo
4BR fair-market rent
$1,500/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Average)
96.2 (100 = US avg)
Electricity rate (state-level)
20.0¢/kWh
Natural gas rate (state-level)
$10.90/MCF
30-year mortgage rate (national)
7.40%
15-year mortgage rate (national)
6.73%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
42
Elementary schools
21
Middle schools
5
High schools
10
Charter schools
5
Avg student-teacher ratio
19.7 : 1
School districts serving the area
Saginaw Preparatory Academy, Francis Reh PSA, International Academy of Saginaw
Schools include
Saginaw Preparatory Academy, Francis Reh PSA, International Academy of Saginaw, Martin G Atkins Elementary School, Thomas White School

Source: NCES school directory, 2022-23 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Relatively Moderate
Top hazards (county)
winterWeather, coldWave, strongWind, tornado, hail
Notable hazard ratings (county)
hail: Relatively Moderate · tornado: Relatively High · coldWave: Relatively High · heatWave: Relatively Low · iceStorm: Relatively Moderate · lightning: Relatively Low
FEMA flood zone (varies by location)
includes AE
Flood risk level
High
Wildfire risk to homes (county)
Higher than 4% of US counties
Buildings in wildfire direct-exposure zone
31.9%
Radon potential (county)
Low radon potential — EPA Zone 3 of 3
EPA Superfund (NPL) sites within 5 mi
None
Nearest Superfund site
Bay City Middlegrounds (5.9 mi — proposed for listing)
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Average annual temperature
47.7°F
Average high
58.0°F
Average low
38.0°F
Annual precipitation
34.3 in
Annual snowfall
40.7 in
USDA plant hardiness zone
6a (extreme annual low -10 to -5°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Walkability & transit

Walkability index
9.6 / 20
Transit service frequency
-99,999
Jobs reachable by car (30 min)
28,338
Jobs reachable by transit (45 min)
24,676

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

Airports within 30 mi
147
Nearest airport
Saginaw County H.W. Browne Airport (3 mi)
Nearest major airport
MBS International Airport (MBS) (6 mi)
Hospitals nearby (~15 mi)
9
Hospitals include
MYMICHIGAN MEDICAL CENTER SAGINAW, COVENANT MEDICAL CENTER, HEALTHSOURCE SAGINAW
Avg hospital rating (CMS)
2.7 / 5
Best hospital rating nearby (CMS)
3.4 / 5
Solar radiation rating
Fair (3.8 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Migration

Net migration (county)
-174 tax filers

Source: IRS county-to-county migration data (county-level, ~12-month lag)

Housing stock

Median year housing built
1,960
Housing built before 1970
62.6%
Housing built 2000 or later
10.3%
Median annual property tax
$1,971
Mean commute to work
18 min
Households with broadband internet
71.1%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
69,804
Average weekly wage
$1,162
Top industries (by employment)
Health Care, Accommodation & Food, Administrative Services
Annual residential building permits (county)
210

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

SaginawState medianUS median
Median home value$131,016$242,800$288,527
Median sale price$139,542$265,000$325,000
Median days on market67 days36 days51 days
Typical rent$1,163/mo$1,505/mo$1,809/mo
Median annual property tax$1,971$2,175$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the median home value in Saginaw, MI?
$131,016.
What is the median sale price in Saginaw, MI?
$139,542.
How long do homes take to sell in Saginaw, MI?
Median days on market: 67 days.
What is typical rent in Saginaw, MI?
Typical rent: $1,163/month.
What is the natural-hazard risk in Saginaw, MI?
Overall risk: Relatively Moderate (FEMA NRI, county-level). Top hazards: winterWeather, coldWave, strongWind, tornado, hail.
Is Saginaw, MI in a flood zone?
High (FEMA NFIP). Parts of the area include FEMA flood zone AE; zones vary by location within the city.
What is the wildfire risk in Saginaw, MI?
Risk to homes is higher than 4% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in Saginaw, MI?
Low radon potential — EPA Zone 3 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near Saginaw, MI?
No current or proposed National Priorities List sites within 5 miles (EPA).
How many schools serve Saginaw, MI?
42 schools (21 elementary, 5 middle, 10 high) (NCES, 2022-23).
Is Saginaw, MI walkable?
Walkability index: 9.6/20 (EPA Smart Location Database).
What is the cost of living in Saginaw, MI?
Regional Price Parity: 96.2 (100 = US average) (Average) (BEA RPP, metro/state-level).

ZIP codes in Saginaw

Listing a home in Saginaw, MI?

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Data last updated

Most recent source refresh: Oct 2026. See all data sources →

Data compiled by REAIGENT7 — AI listing platform for real estate agents