Saginaw County, MI Average Home Price (2026)
The average home price in Saginaw County, Michigan is about $209,000 (the 2026 median across 19 ZIP codes, at ~$128/sq ft) — 14% more affordable than the Michigan median and 28% more affordable than the typical U.S. home.
How Saginaw County compares
Saginaw County is relatively affordable for housing nationally: its typical home costs $209,000 against $244,000 for Michigan and $289,000 for the U.S. Within the county, ZIP-level values run from about $39,000 to $322,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Saginaw County | $209,000 | $128 |
| Michigan | $244,000 | $187 |
| United States | $289,000 | $193 |
Cities in Saginaw County
Cities with their own home-value page, largest first:
Saginaw County home prices by ZIP code
The 15 most valuable ZIP codes in Saginaw County (of 19 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 48734 Frankenmuth | $322,000 | $205 | +54% |
| 48623 Freeland | $301,000 | $193 | +44% |
| 48626 Hemlock | $252,000 | $176 | +21% |
| 48415 Birch Run | $239,000 | $178 | +14% |
| 48603 Saginaw | $232,000 | $143 | +11% |
| 48609 Saginaw | $218,000 | $155 | +4% |
| 48616 Chesaning | $217,000 | $128 | +4% |
| 48614 Brant | $216,000 | $114 | +3% |
| 48724 Carrollton | $211,000 | $111 | +1% |
| 48417 Burt | $209,000 | $172 | +0% |
| 48655 Saint Charles | $205,000 | $98 | -2% |
| 48637 Merrill | $204,000 | $127 | -2% |
| 48638 Saginaw | $203,000 | $124 | -3% |
| 48649 Oakley | $194,000 | $129 | -7% |
| 48722 Bridgeport | $179,000 | $140 | -14% |
Home value appreciation in Saginaw County
Home prices in Saginaw County have risen about 91% over the last 10 years (≈6.7% a year) and +50.6% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +3.8% — still rising. A home worth $209,000 today was worth roughly $109,654 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Michigan is +96.7% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Saginaw County
Run the numbers for Saginaw County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Saginaw County
To buy the typical $209,000 home in Saginaw County with 20% down, you need a household income of roughly $57,000 a year (about $1,330 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $68,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $10,500 | $1,650/mo | $71,000/yr |
| 10% (+PMI) | $20,900 | $1,580/mo | $68,000/yr |
| 20% | $41,800 | $1,330/mo | $57,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Saginaw County
At about $128 per square foot, here is roughly how much home different budgets get you in Saginaw County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1170 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1560 sq ft | around the typical home here |
| $250k | 1950 sq ft | around the typical home here |
| $300k | 2340 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 3130 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Michigan.
Estimate a specific home in Saginaw County
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Saginaw County home prices: frequently asked
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Browse all Michigan cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.