New Listing
18
$51,900
521 Birch St
Saginaw, MI 48601
3 bd1 ba1,740 sqft$30/ft²
House9,148 sqft lot
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Saginaw, MI Housing Market
Leaning buyer's+5.5% YoY
Zillow, August 2026 · Refreshes monthlyRedfin, through May 2026 · No longer updatingFreddie Mac via FRED, September 2026 · Refreshes weekly
The typical home in Saginaw, MI is worth $135,222, rose 5.5% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $90,000, +2.3% year over year (through May 2026). With 5.4 months of supply and homes going under contract in about 37 days, Saginaw is a leaning buyer's. At today's 7.03% 30-year fixed rate, 20% down on a $135,222 home is about $722/mo in principal and interest.
Key numbers for Saginaw, MI
Typical home value
$135,222
+5.5% in 12 months
Zillow, August 2026
Typical asking rent
$1,071/mo
Zillow Observed Rent Index
Zillow, August 2026
Median sale price
$90,000
+2.3% year over year
Redfin, through May 2026
Days on market
37
Average pace
Redfin, through May 2026
Active listings
168
5.4 months of supply
Redfin, through May 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$37,298
Home costs 3.6x income
U.S. Census ACS, 2023
Sale-to-list ratio
97.1%
Selling below asking
Redfin, through May 2026
Zillow figures are as of August 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Saginaw a buyer's or seller's market?
Leaning buyer's5.4 months of supply37 days on market97.1% of asking
Saginaw, MI is a leaning buyer's, based on 5.4 months of supply and homes selling in about 37 days. Above 5 months of supply, homes start accumulating faster than they clear, which is where buyers gain leverage on price, repairs, and closing costs.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Saginaw housing market data show?
Every row below is Redfin's final published month for Saginaw, MI. Redfin, through May 2026
| Metric | Value |
|---|---|
| Median sale price | $90,000 |
| Median list price | $79,900 |
| Year-over-year price change | +2.3% |
| Median price per sq ft | $77/sq ft |
| Median days on market | 37 days |
| Active inventory | 168 listings |
| Months of supply | 5.4 months |
| Sale-to-list price ratio | 97.1% |
| Homes sold (that month) | 31 |
| New listings (that month) | 51 |
| Listings with a price cut | 33.3% |
| Market condition | Leaning buyer's |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Saginaw is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Saginaw is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Saginaw home prices moved?
Over the last three years the median sale price in Saginaw, MI rose 45.2%, from $62,000 to $90,000. The live Zillow value series has rose 5.5% in the last 12 months, which is the more current read now that Redfin's series has stopped. 33.3% of Saginaw listings cut their asking price in the final Redfin month — a high share, and the clearest sign that list prices were running ahead of what buyers would pay. For prices to fall meaningfully from here, supply would have to keep building past 5.4 months while the sale-to-list ratio slips below its current 97.1%. Watch those two together — they move before the median does.
Redfin, through May 2026 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Saginaw?
Priced off the typical home value of $135,222 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $27,044 | $108,178 | $722/mo |
| 5% | $6,761 | $128,461 | $857/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $722, that implies roughly $30,938 a year before you add taxes and insurance. The median household in Saginaw earns $37,298, about $6,360 more than that threshold — the typical local household clears the payment on a typical local home with 20% down. That puts the price-to-income ratio at 3.6x — above the historical 3x norm but in line with much of the country in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Saginaw in the next 12 months?
Tell us your timeline. We send the Saginaw market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Saginaw?
Typical asking rent in Saginaw, MI is $1,071/mo, against a typical home value of $135,222. That is a price-to-rent ratio of 10.5x, which means buying tends to beat renting on monthly cost over a typical hold. Compared head to head, 20% down puts principal and interest at $722 a month — $349 less than renting before taxes and insurance, so ownership can win on monthly cost alone once you have the down payment.
Zillow, August 2026 for both value and rent
Add your own down payment, tax rate and time horizon in the rent vs. buy calculator.
Is inventory rising or falling in Saginaw?
Active listings in Saginaw, MI went from 116 in May 2025 to 168 in May 2026, a +44.8% change. Rising inventory is the single most useful leading indicator for buyers: more choice, longer marketing times, and more sellers willing to negotiate before price cuts show up in the median.
| Month | Active listings | New listings |
|---|---|---|
| June 2025 | 129 | 60 |
| July 2025 | 169 | 99 |
| August 2025 | 164 | 61 |
| September 2025 | 192 | 73 |
| October 2025 | 186 | 72 |
| November 2025 | 180 | 46 |
| December 2025 | 167 | 35 |
| January 2026 | 174 | 54 |
| February 2026 | 175 | 49 |
| March 2026 | 165 | 70 |
| April 2026 | 181 | 59 |
| May 2026 | 168 | 51 |
Redfin, through May 2026
How does Saginaw compare to Michigan and the U.S.?
Saginaw homes sell for $90,000 — 70% below the Michigan median of $297,900. Against the national median of $410,700, Saginaw runs 78% lower. Year-over-year, Saginaw moved +2.3% against Michigan's +4.6% — a smaller swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Saginaw, MI | $90,000 | +2.3% | 37 days |
| Michigan statewide | $297,900 | +4.6% | 24 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through May 2026 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Saginaw
What buyers should watch
- Months of supply, currently 5.4. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The share of listings cutting price, currently 33.3%. A listing that has already cut once is the one most likely to accept below asking.
- The gap between 5% and 20% down here is $135 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $135,222 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Saginaw listing goes under contract in 37 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Homes here close at 97.1% of asking. Price to that ratio from day one rather than chasing the market down in cuts.
- In the last published month Saginaw added 51 new listings against 31 sales — more competition arriving than clearing, so early timing matters.
- Your equity moved +5.5% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Saginaw varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Saginaw
There are currently 168 homes listed for sale in Saginaw, Michigan. The median listing price is $80K. Featured listings range from $51,900 to $355,000.
New Listing
20
$54,900
3111 Rust Ave
Saginaw, MI 48601
3 bd2 ba1,932 sqft$28/ft²
House23,522 sqft lot
View photos & details
New Listing
8
$75,000
616 N Oakley St
Saginaw, MI 48602
4 bd2 ba1,288 sqft$58/ft²
House5,663 sqft lot
View photos & details
New Listing
19
$77,700
903 S Michigan Ave
Saginaw, MI 48602
3 bd2 ba1,695 sqft$46/ft²
House8,712 sqft lot
View photos & details
New Listing
19
$79,000
1724 State St
Saginaw, MI 48602
3 bd1 ba1,144 sqft$69/ft²
House5,227 sqft lot
View photos & details
33
$80,000
5921 W Michigan Ave Unit B1
Saginaw, MI 48638
2 bd2 ba973 sqft$82/ft²
Condo
View photos & details
8
$120,000
2688 N Portsmouth Rd
Saginaw, MI 48601
2 bd1 ba1,046 sqft$115/ft²
House21,780 sqft lot
View photos & details
New Listing
21
$169,900
1740 Wilson Ave
Saginaw, MI 48638
3 bd2 ba1,174 sqft$145/ft²
House11,326 sqft lot
View photos & details
New Listing
50
$179,000
2025 Carman Dr
Saginaw, MI 48602
4 bd3 ba1,951 sqft$92/ft²
House8,712 sqft lot
View photos & details
New Build
49
$240,000
2201 N Berkshire Dr
Saginaw, MI 48603
3 bd3 ba1,903 sqft$126/ft²
House11,326 sqft lot
View photos & details
New Listing
81
$349,900
7205 Trinklein Rd
Saginaw, MI 48609
3 bd3 ba2,495 sqft$140/ft²
House5.20 acres
View photos & details
New Listing
64
$355,000
2777 Hospital Rd
Saginaw, MI 48603
4 bd4 ba2,664 sqft$133/ft²
House17,424 sqft lot
View photos & details
Looking to buy in Saginaw?
Get connected with a local real estate expert — free, no obligation.
Active listings
168
Homes on market
Median list price
$80K
Avg. days on market
37
Days until sale
New this week
51
Newly listed
Price drops:33.3%of listings
Sale-to-list:97.1%
How much do homes cost in Saginaw by property type?
How the Saginaw, MI market breaks down across single-family homes, condos and townhouses. Redfin, through May 2026
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $90,000 | $83/sq ft | 29 | 37 days |
Who lives in Saginaw?
American Community Survey estimates for Saginaw. U.S. Census ACS, 2023
Population
43,879
Households
17,736
Median income
$37,298/yr
Median age
36.2 years
Owner-occupied
59.0%
Median home value
$54,000
Median gross rent
$909/mo
Mean commute
19 min
59.0% of occupied homes in Saginaw are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $54,000 against Zillow's $135,222 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions. Census median gross rent (all leases, including long-held ones) is $909/mo, below Zillow's $1,071/mo asking rent on new leases — the difference is roughly what a mover pays over a stayer.
Which public schools serve Saginaw?
46 schools tracked · 15,898 students
The largest public schools serving Saginaw, MI by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
Heritage High School
Grades 9-12 · 1,324 students
White Pine Middle School
Grades 6-8 · 963 students
Carrollton Elementary School
Grades PK-5 · 704 students
Arthur Hill High School
Grades 9-12 · 671 students
North Saginaw Charter Academy
Grades K-8 · 596 students
Sherwood Elementary School
Grades PK-5 · 547 students
Swan Valley High School
Grades 9-12 · 519 students
Francis Reh PSA
Grades PK-12 · 503 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Saginaw, MI?
Ordered by distance from Saginaw, not by size. Compare Saginaw side by side with any of them.
Which ZIP codes are in Saginaw?
These are the ZIP codes we see on active Saginaw listings. Redfin did not publish a matching ZIP-level sale row for the same period, so we are not ranking them by price here — each ZIP page shows exactly what we hold for it.
Saginaw housing market FAQ
Is Saginaw a buyer's or seller's market?
Saginaw, MI is currently a leaning buyer's. That read comes from 5.4 months of supply, homes going under contract in about 37 days, and sellers getting 97.1% of their asking price in the last month Redfin published (May 2026).
How much do homes cost in Saginaw?
The typical home in Saginaw, MI is worth $135,222 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $90,000, about $77 per square foot.
Is Saginaw cheaper than the rest of Michigan?
Saginaw's median sale price of $90,000 is 70% lower than the Michigan statewide median of $297,900, and 78% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Saginaw?
Homes in Saginaw, MI spent a median of 37 days on market before going under contract, versus 24 days statewide. That is a normal pace: enough time to see a home twice, not enough to wait a month. (Redfin, through May 2026.)
What income do you need to buy a home in Saginaw?
At the current 30-year fixed rate of 7.03%, 20% down on a $135,222 home is about $722 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $30,938 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $37,298.
Are home prices rising in Saginaw?
The typical home value in Saginaw, MI rose 5.5% over the last 12 months, from $128,154 to $135,222 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Saginaw?
Saginaw ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Saginaw?
That depends on your timeline, not on a headline. What the data says today: Saginaw, MI is a leaning buyer's with 5.4 months of supply, the 30-year fixed rate is 7.03%, and the price-to-rent ratio of 10.5x means buying tends to beat renting on monthly cost over a typical hold. Properties Incorporated publishes the data; it does not give financial advice.
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