Saginaw ZIP codes — Saginaw County, Michigan

Saginaw County is a mid-size city in Michigan, with 189,210 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates. The median age here is 41.1 years against 39.1 nationally, a slightly older profile than the country as a whole. At this size the Census also publishes one-year estimates; the five-year values used here are steadier and let you compare against smaller neighbours on the same basis.

Households in Saginaw County earn a median of $58,347 a year, 25.7% below the national figure of $78,538. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 18.1% of residents here, above the 12.4% national rate.

The typical owner-occupied home in Saginaw County is valued at $139,400, 54.1% below the national figure, while median gross rent runs $921 a month, 34.5% below the national figure, or roughly $11,052 across a full year. A household on the local median income would put about 18.9% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 2.4×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 73.5% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.