Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$175,096+5.4% YoY · prices are rising fast
Market right nowBalanced, leaning sellersMore homes for sale than last year, 23% have cut their price
Income needed to buy, per year$37,957About 0.6× the local median income ($61,572): affordable for a typical household
Days on market54 daysAbout the same pace as a year ago
Next 12 months+5.1%Zillow expects prices to rise strongly
The typical home in Saginaw County, MI is worth $175,096, up 5.4% from a year ago. That is well above what local incomes have historically supported: fair value is about $135,321, so the area is 29.4% overvalued. It is a balanced market, leaning toward sellers: homes take about 54 days to sell, listings are up 5% from a year ago, 23% of listings have had a price cut. Zillow expects prices to rise about 5.1% over the next year. A household needs about $37,957 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $61,572. Typical rent is $1,055 a month, or $1,191 for a house. In the latest IRS figures, 349 more people moved out than in.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$175,096
Change in 1 year
+5.4%
Overvalued %
+29.4%
Show 7 more
Fair home value
$135,321
Change in 5 years
+41.5%
Zillow forecast, next 12 months
+5.1%
Home value to income
2.8×
Monthly mortgage payment (20% down)
$949
Income needed to afford it
$37,957
Property tax rate
1.50%
Rent and investing
Typical rent
$1,055
Typical rent for houses
$1,191
Price-to-rent ratio
13.8×
Show 3 more
HUD Fair Market Rent, 2 bedrooms
$1,141
Gross rental yield
7.23%
Cap rate (estimate)
4.70%
Market activity
Listings vs a year ago
+4.6%
Days on market
54
Listings with a price cut
23.0%
Show 3 more
Homes for sale
505
Pending sales per 100 listings
48
Asking price per sq ft
$120
People and jobs
Median household income
$61,572
Population change (1 year)
−0.0%
Unemployment rate
6.4%
Show 4 more
Population
187,688
Income adjusted for cost of living
$67,736
Net moves in (IRS)
−349
Cost of living (US = 100)
90.9
Schools, risk and environment
School rating (1 to 10)
4.9
FEMA hazard risk score (0 to 100)
88.5
Flood risk score
91.4
Show 3 more
Wildfire risk score
16.0
Walkability (1 to 20)
6.5
Road, rail and air noise
54 dB
Questions people ask
Is Saginaw County, MI overvalued?
Home prices in Saginaw County, MI are well above what local incomes have historically supported: fair value is about $135,321, so the area is 29.4% overvalued.
Is Saginaw County, MI a buyer's or seller's market?
Saginaw County, MI is a balanced market, leaning toward sellers: homes take about 54 days to sell, listings are up 5% from a year ago, 23% of listings have had a price cut.
Are home prices going down in Saginaw County, MI?
Home values in Saginaw County, MI are up 5.4% over the last year. Zillow's forecast for the next 12 months is +5.1%.
How much do you need to earn to buy a home in Saginaw County, MI?
A household needs about $37,957 a year to afford the typical home in Saginaw County, MI at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $61,572.