The Town FilesSaginaw, Michigan
Charter township in Saginaw County · population 41,679 (2020 Census)
- Median home
- $182,000
- Household income
- $67,603
- Jan low / Jul high
- 16° / 83°
- Snow a year
- 41 in
- Tornadoes ≤10 mi since 1950
- 11
- Median age
- 41.7
Saginaw is a charter township of 41,679 people in Saginaw County, Michigan. The median home is worth $182,000, below the typical Michigan town ($193,900). It ranks better for young professionals than 92% of Michigan towns, more vibrant than 90% of Michigan towns, more walkable than 84% of Michigan towns.
How Saginaw ranks
Percentile among Michigan towns with at least 500 people on The Town Files lifestyle rankings. 50 is typical for the state; 90 means better than 90% of Michigan towns.
Homes and cost of living
The median home in Saginaw is worth $182,000, below the typical Michigan town ($193,900). Homes cost about 2.7 times the median household income of $67,603, which is more affordable than 61% of Michigan towns. Median rent is $1,002 a month. 65.9% of households own their home.
| Housing | Saginaw | Typical Michigan town |
|---|---|---|
| Median home value | $182,000 | $193,900 |
| Median rent | $1,002 | $955 |
| Median household income | $67,603 | $69,792 |
| Home value ÷ income | 2.7× | 2.8× |
| Homeownership | 65.9% | 86.8% |
| Median year built | 1975 | 1975 |
| Seasonal / vacation homes | 0.3% | — |
Who lives in Saginaw
| People | Saginaw | Typical Michigan town |
|---|---|---|
| Median age | 41.7 | 43.7 |
| Age 65 and over | 22.9% | 20.7% |
| Under 18 | 20.2% | — |
| Bachelor's degree or higher | 36.8% | 21.5% |
| Below the poverty line | 13.8% | 10.4% |
| Veterans | 6.6% | — |
| Born outside the U.S. | 4.9% | — |
| Work from home | 9.4% | 9.1% |
| Average commute | 21.6 min | 25.6 min |
| Homes with broadband | 91.6% | 88.8% |
Weather in Saginaw
July highs average 83.0°F and January lows 15.9°F. About 34.0 inches of rain and melted snow fall a year, with 40.7 inches of snow (typical Michigan town: 52.1 in). Expect about 13 days a year at 90°F or hotter and 143 nights at or below freezing.
Tornadoes, storms and disasters
11 tornadoes have passed within 10 miles of Saginaw since 1950, compared with 10 for the typical Michigan town. 3 rated (E)F2 or stronger. The strongest, an F2, struck on June 15, 1982 about 2.9 miles from the town center. The most recent was on June 9, 2026.
Hail of 1 inch or larger has been reported within 10 miles 33 times; the largest was 3.50 inches on September 2, 1984.
Severe weather in Saginaw County since 1996
Saginaw County has been included in 18 federal disaster or emergency declarations since 1953, most often for flood, hurricane, snowstorm.
| Declared | Incident | Declaration |
|---|---|---|
| June 30, 2026 | Flood | DR-4925: Severe Storms, Tornadoes, And Flooding |
| July 9, 2020 | Dam/Levee Break | DR-4547: Severe Storms And Flooding |
| March 27, 2020 | Biological | DR-4494: Covid-19 Pandemic |
| March 13, 2020 | Biological | EM-3455: Covid-19 |
| June 18, 2013 | Flood | DR-4121: Flooding |
Jobs and pay in Saginaw County
Saginaw County had 79,478 jobs in 2024, paying an average of $58,049 a year. Unemployment was 5.2% in 2023; in Saginaw itself the ACS puts it at 5.1%.
Public schools in Saginaw
16 public schools with 6,750 students, about 16.9 students per teacher.
| School | Grades | Students | Per teacher |
|---|---|---|---|
| Heritage High School | 9-12 | 1,324 | 17.9 |
| White Pine Middle School | 6-8 | 963 | 14.2 |
| North Saginaw Charter Academy (charter) | K-8 | 596 | 21.3 |
| Sherwood Elementary School | PK-5 | 547 | 14.8 |
| Swan Valley High School | 9-12 | 519 | 18.5 |
| Shields Elementary School | PK-5 | 437 | 18.2 |
| Arrowwood Elementary School | 1-5 | 433 | 15.5 |
| Robert B Havens Elem School | PK-5 | 391 | 18.6 |
| Swan Valley Middle School | 6-8 | 386 | 17.5 |
| Weiss Elementary School | PK-5 | 354 | 16.9 |
| Westdale Elementary School | PK-5 | 321 | 17.8 |
| Hemmeter Elementary School | PK-5 | 318 | 22.7 |
Towns near Saginaw
- Shields, MI3.2 mi · 7,035 people · home $174,500
- Saginaw, MI4.0 mi · 44,202 people · home $60,000
- Carrollton, MI4.2 mi · 5,750 people · home $82,300
- Kochville, MI4.3 mi · 4,911 people · home $156,800
- Thomas, MI4.8 mi · 11,931 people · home $191,900
- Tittabawassee, MI6.2 mi · 10,606 people · home $276,000
- Buena Vista, MI6.5 mi · 5,855 people · home $62,000
- Freeland, MI6.6 mi · 7,630 people · home $265,900
Saginaw questions
Is Saginaw, Michigan a good place to retire?
On The Town Files lifestyle rankings, Saginaw scores better for retirees than 56% of Michigan towns and quieter than 10%. 22.9% of residents are 65 or older (median age 41.7).
How much does a house cost in Saginaw?
The median owner-occupied home in Saginaw is valued at $182,000 (Census ACS 2020–2024), against a median household income of $67,603, so homes cost about 2.7 times income. Median rent is $1,002 a month.
What is the weather like in Saginaw?
July highs average 83.0°F and January lows 15.9°F (NOAA 1991–2020 normals). It gets about 34.0 inches of precipitation a year and 40.7 inches of snow.
Does Saginaw get tornadoes?
11 tornadoes have passed within 10 miles of Saginaw since 1950 (NOAA Storm Events); the strongest was a F2 on June 15, 1982. The typical Michigan town has had 10.
- U.S. Census Bureau, American Community Survey 5-year estimates (2020–2024)
- U.S. Census Bureau, 2020 Census and 2025 Gazetteer (2020 / 2025)
- NOAA NCEI U.S. Climate Normals (1991–2020)
- NOAA NCEI Storm Events Database (1950–2026)
- FEMA OpenFEMA Disaster Declarations (this product uses the FEMA OpenFEMA API but is not endorsed by FEMA) (1953–2026)
- NCES Common Core of Data (2023–24)
- BLS Quarterly Census of Employment and Wages; USDA ERS county unemployment (BLS LAUS) (2000–2024)
- The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025)