Area data
Saginaw, MI — ZIP 48609
Population: 11,966 (Census ACS)
Home values & appreciation
- Median home value
- $221,784
- 1-year appreciation
- +3.9%
- 3-year appreciation
- +13.5%
- 5-year appreciation
- +30.2%
- 10-year appreciation
- +90.5%
- All-time peak (2026-07)
- $221,784
- House Price Index
- 387.5 (+5.5% YoY)
Market activity
- Median sale price
- $223,800
- Median list price
- $219,950
- Median days on market
- 6.5 days
- Sale-to-list ratio
- 100.5%
- Active listings
- 19
- 1-year forecast
- +2.9%
- Days to pending
- 47 days
- New listings (monthly)
- 15
Rents
- 2-bedroom fair-market rent (HUD reference)
- $1,261/mo
- 3BR fair-market rent
- $1,639/mo
Affordability
- Cost of living index (Below Average)
- 92.0 (100 = US avg)
- Electricity rate (state-level)
- 20.0¢/kWh
- Natural gas rate (state-level)
- $10.90/MCF
- 30-year mortgage rate (national)
- 6.66%
- 15-year mortgage rate (national)
- 6.00%
Schools
- Total schools
- 6
- Elementary schools
- 2
- Middle schools
- 1
- High schools
- 2
Natural hazards & flood risk
- Overall hazard risk
- Relatively Moderate
- Top hazards
- winterWeather, coldWave, strongWind, tornado, hail
- FEMA flood zone
- AE
- Flood risk level
- High
Climate (30-year normals)
- Average annual temperature
- 48.0°F
- Average high
- 58.0°F
- Average low
- 39.0°F
- Annual precipitation
- 35.8 in
Walkability & transit
- Walkability index
- 8.2 / 20
- Transit service frequency
- -99,999
Amenities
- Nearest airport
- Ernie's Field Airport (6 mi)
- Nearest major airport
- MBS International Airport (MBS) (10 mi)
- Hospitals nearby (~15 mi)
- 3
- Avg hospital rating
- 2.0 / 5
- Solar radiation rating
- Fair (3.8 kWh/m²/day)
Migration
- Net migration
- -174 tax filers
Housing stock
- Median year housing built
- 1,976
- Median annual property tax
- $2,670
- Mean commute to work
- 21 min
- Households with broadband internet
- 76.1%
Employment & development
- Total county employment
- 69,166
- Average weekly wage
- $1,094
- Top industries (by employment)
- Health Care, Accommodation & Food, Administrative Services
- Annual residential building permits (county)
- 99
Area data compiled from public government, academic, and industry research feeds. Data sources →
Data last updated
Most recent source refresh: Aug 2026. See all data sources →