Saginaw County, Michigan home prices
Typical home $175,096 · +5.4% in a year · property tax 1.49%
The typical home in Saginaw County is worth $175,096, 34% less than the Michigan typical home ($263,760). Values changed +5.4% in the past year and +41.5% over five years. Homeowners here pay a median 1.49% of their home's value in property tax each year ($2,617 on the typical home), versus 1.17% statewide.
Mortgage on the typical Saginaw County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $35,019 | $140,077 | $942 | $0 | $306 | $1,248 | $53,500 |
| 10% down | $17,510 | $157,587 | $1,060 | $66 | $306 | $1,431 | $61,300 |
| 5% down | $8,755 | $166,341 | $1,119 | $69 | $306 | $1,494 | $64,000 |
| 3.5% down (FHA) | $6,128 | $171,925 | $1,157 | $77 | $306 | $1,540 | $66,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.49% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Michigan · part of the Saginaw metro area.
Michigan counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Montmorency County | $174,570 | +2.5% | 0.86% |
| Wayne County | $175,631 | +0.8% | 1.63% |
| Baraga County | $177,789 | +14.6% | 1.22% |
| Iosco County | $172,299 | +4.4% | 0.96% |
| Arenac County | $170,538 | +8.7% | 1.13% |
| Crawford County | $179,733 | +3.1% | 1.06% |
| Gratiot County | $180,252 | +6.2% | 1.24% |
| Dickinson County | $180,433 | +4.4% | 1.27% |
| Ogemaw County | $180,468 | +6.0% | 0.95% |
| Lake County | $165,696 | +7.0% | 1.09% |
Frequently asked questions
What is the average home price in Saginaw County, MI?
The typical home value in Saginaw County is $175,096 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Saginaw County?
About $53,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Saginaw County?
The median effective rate is 1.49% of home value a year (Census ACS 2024 5-year estimates).