Cost of living in Saginaw, Michigan

Saginaw, Michigan has about 43,536 people. That count is a 2020–2024 Census average, not a headcount from one day.

A typical home is worth about $60,000.

HUD's fair-market rent for a 2-bedroom in Saginaw County is $1,141 a month. That is the county number, not an apartment listing in Saginaw. It runs from October 2026 through September 2027.

In the Saginaw, MI metro area, prices sit at 90.9 when the U.S. average is 100. That is a 2024 BEA index.

Michigan taxes wages. A typical combined sales tax is 6.0% as of January 1, 2026. That mix is statewide, not Saginaw's exact store tax.

Some places in Michigan add a local wage tax. In 2023 the state average was about 0.16% of income. That is not a Saginaw bill.

In July 2026, a typical Michigan home paid 23.05¢ per kilowatt-hour. That is a state average from EIA, not Saginaw's bill.

EIA does not publish a Michigan gasoline price. For the week of October 12, 2026, the Midwest (PADD 2) all-grades price was $4.237 a gallon. At 12,000 miles a year and 25 mpg, the index counts that as $2,033.76 a year. Those miles are our standard, not a Census figure, and every town in Michigan shares this price.

Among 409 places we list in Michigan with a rent figure, 219 have higher typical rent than Saginaw.