Before You Move to Saginaw, Michigan: The Stuff Locals Wish You Knew

By Andrew McManamonPlaces To Live In Michigan

Introduction

If you’re exploring Michigan cities that combine affordability, historic character, and access to outdoor recreation, Saginaw, Michigan is one that often comes up in conversation.

Located along the Saginaw River, this city has deep industrial roots and remains an important part of Michigan’s Great Lakes Bay Region. Many people consider Saginaw for its lower housing costs compared to larger Michigan cities, along with its parks, cultural venues, and access to nearby communities like Midland and Bay City.

Like any city, Saginaw offers a mix of benefits and trade-offs. This guide will walk through housing, cost of living, lifestyle, schools, and everyday realities so you can make an informed decision.

Before You Move to Saginaw, Michigan: The Stuff Locals Wish You Knew

Search For All Homes For Sale

See My Home's Current Value

Where Is Saginaw, Michigan Located?

Saginaw is located in eastern Michigan and serves as the county seat of Saginaw County. According to the U.S. Census Bureau, the city is part of the Saginaw metropolitan area.

Geographically, Saginaw sits approximately:

20 miles south of Bay City
30 miles northwest of Flint
20 miles north of Midland
100 miles northwest of Detroit

The city is accessible via major highways including I-75, I-675, and M-46, which connect Saginaw to other regional employment and commercial centers.

The Saginaw River runs through the city and connects to Saginaw Bay and Lake Huron, which contributes to the area's regional importance, according to the Michigan Department of Natural Resources.

Cost of Living in Saginaw, Michigan

One of the most notable aspects of Saginaw is its relatively low housing cost.

According to U.S. Census Bureau data, median home values in Saginaw are significantly lower than the national average. Niche.com also reports that housing costs in Saginaw are below the Michigan statewide average.

BestPlaces.net indicates that Saginaw’s overall cost of living index is below both Michigan and national averages, particularly in housing and utilities.

The Bureau of Labor Statistics reports that housing and transportation are among the largest household expenses nationally, and Saginaw’s lower housing costs can influence overall affordability.

Utility costs and transportation expenses generally align with Midwest regional averages.

Real Estate & Housing Overview

Saginaw’s housing market includes a large number of historic homes alongside mid-century and newer properties.

According to the U.S. Census Bureau housing data:

Many homes were built between 1920 and 1970
Detached single-family homes are the most common property type
Owner-occupied housing makes up a significant portion of the housing stock

You’ll commonly find:

Historic two-story homes
Ranch-style homes built in the mid-1900s
Smaller starter homes
Some newer homes in suburban-style areas on the outskirts

MLS listings show consistent activity, though the market is smaller than in Michigan’s largest metro areas.

Because of the city’s age and development history, housing styles vary widely from neighborhood to neighborhood.

Property Taxes in Saginaw

Property taxes in Saginaw follow Michigan’s standard property tax structure.

According to the Michigan Department of Treasury, property taxes are based on a property's taxable value and local millage rates. These millages fund local schools, public safety, and infrastructure.

Michigan’s Proposal A limits annual taxable value increases under certain conditions, helping provide predictability for property owners, according to the Michigan Department of Treasury.

Millage rates vary depending on property location and school district, so reviewing current rates with the City of Saginaw or Saginaw County is recommended.

Things to Do & Lifestyle

Saginaw offers a range of parks, cultural institutions, and outdoor recreation options.

Ojibway Island, located in the Saginaw River, includes walking paths and open green space, according to the City of Saginaw Parks & Recreation Department.

The Saginaw Riverwalk provides access to scenic views and recreational opportunities along the waterfront.

The Temple Theatre is a historic venue that hosts concerts and performances. According to the Temple Theatre’s official website, it has been a part of Saginaw’s cultural landscape since 1927.

Nearby, the Japanese Cultural Center and Tea House offers gardens and educational programs, according to its official organization website.

Saginaw’s location also provides convenient access to Saginaw Bay and Lake Huron, expanding recreational opportunities.

Schools & Education

Saginaw is served by multiple school districts, including Saginaw Public School District and nearby districts such as Saginaw Township Community Schools.

According to GreatSchools.org, the area includes elementary, middle, and high schools serving city residents.

Niche.com provides ratings and additional insights into school academics, extracurricular opportunities, and student reviews.

Higher education institutions nearby include Saginaw Valley State University, located in neighboring Kochville Township.

Pros & Cons of Living in Saginaw

Pros:

Housing costs below national and statewide averages (U.S. Census Bureau, Niche.com)
Access to parks, riverfront areas, and outdoor recreation (Michigan DNR, City of Saginaw)
Historic housing with architectural variety (U.S. Census Bureau housing data)
Regional access to Bay City, Midland, and Flint

Cons:

Older housing stock may require maintenance (U.S. Census Bureau housing age data)
Smaller job market compared to major metro areas
Public transportation options are limited compared to larger cities
Population has declined over several decades, according to U.S. Census Bureau trends

Frequently Asked Questions About Living in Saginaw, Michigan

Is Saginaw, Michigan affordable?

Yes. According to BestPlaces.net and Niche.com, housing and overall living costs are below national averages.

Where is Saginaw located in Michigan?

Saginaw is located in eastern Michigan along the Saginaw River and is part of the Great Lakes Bay Region, according to the U.S. Census Bureau.

What is the population of Saginaw?

The U.S. Census Bureau reports a population of approximately 44,000 residents.

What types of homes are in Saginaw?

Most homes are detached single-family houses built between the early 1900s and mid-century, according to Census housing data.

Are there parks in Saginaw?

Yes. Ojibway Island and the Saginaw Riverwalk provide recreational access, according to the City of Saginaw.

Is Saginaw near Lake Huron?

Yes. The Saginaw River connects to Saginaw Bay and Lake Huron, according to the Michigan DNR.

How far is Saginaw from Detroit?

Saginaw is approximately 100 miles northwest of Detroit.

What school districts serve Saginaw?

Saginaw Public Schools and Saginaw Township Community Schools serve residents, according to GreatSchools.org.

Are there colleges near Saginaw?

Yes. Saginaw Valley State University is located nearby.

Is Saginaw growing?

Population trends fluctuate, and the U.S. Census Bureau provides the most accurate growth data.

Do you need a car in Saginaw?

Most residents rely on personal vehicles due to limited public transit options.

To Conclude:

If you're looking to move to, from, or within the state of Michigan in one day or a million, I help people do just that and I love it as a Michigan Realtor. Please reach out anytime for help — I’m happy to be your go-to resource.