Skip to main content
LiveWhere us
Saginaw, MI

Cost of living in Saginaw County, MI

Part of the Saginaw Metro Area

Estimated monthly cost
$2,723/mo
for a single person, all categories combined

Population 189,210 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $791 29%
Healthcare $480 18%
Federal tax $435 16%
Groceries $326 12%
Transport $320 12%
Energy $191 7%
State tax $130 5%
Water $50 2%

Rent in Saginaw County

Fair Market Rents by bedroom count.

Studio
$712
per month
1 bedroom
$791
per month
2 bedroom
$1,038
per month
3 bedroom
$1,344
per month
4 bedroom
$1,376
per month

Source: HUD FMR FY2025

Income and earnings in Saginaw County

Annual earnings figures from the Census ACS.

Household income
$58,347
per year
Individual earnings
$36,667
per year
Per capita
$33,992
per year

Source: ACS 2019-2023 5-Year.

Home values in Saginaw County

Average values reported by homeowners.

Average home value
$139,400
Annual property tax
$2,190

Source: ACS 2019-2023 5-Year

Energy costs in Saginaw County

Estimated monthly electricity and gas costs.

Electricity
$128
per month · 19.7¢/kWh
Natural gas
$63
per month
Annual total
$2,292
per year

Source: EIA

Healthcare in Saginaw County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
4.1%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Saginaw County

State and local tax rates for Michigan.

State income tax
4.3%
Flat rate
State sales tax
6.0%
Combined sales tax
6.0%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Saginaw County

Commute patterns and estimated costs.

Average commute
22.1 min
Drive alone
79.9%
Public transit
0.4%
Work from home
8.4%

Source: ACS

Monthly cost estimates for Saginaw County

What it costs to live in Saginaw County each month.

Single person
$2,723
per month
  • Rent $791
  • Energy $191
  • Water $50
  • Groceries $326
  • Transport $320
  • Healthcare $480
  • Federal tax $435
  • State tax $130
Couple
$3,983
per month
  • Rent $1,038
  • Energy $229
  • Water $60
  • Groceries $540
  • Transport $420
  • Healthcare $864
  • Federal tax $625
  • State tax $207
Family
$6,422
per month
  • Rent $1,344
  • Energy $286
  • Water $70
  • Groceries $820
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $625
  • State tax $207

Frequently asked questions about Saginaw County

Common questions about cost of living, rent and salary.

What is the average rent in Saginaw County?

In Saginaw County, MI, a one-bedroom apartment averages $791 per month, a two-bedroom averages $1,038 per month, a three-bedroom averages $1,344 per month, according to HUD Fair Market Rent data.

What is the average salary in Saginaw County?

In Saginaw County, MI, the average household income is $58,347 per year and individual earnings for full-time workers average $36,667 per year, according to U.S. Census Bureau data.

What is the cost of living in Saginaw County?

The estimated cost of living in Saginaw County, MI is approximately $2,723 per month for a single person, $3,983 for a couple, $6,422 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Saginaw County?

The combined sales tax rate in Saginaw County, MI is 6.00%, which includes the Michigan state rate of 6.00% plus an average local rate of 0.00%.

Is Saginaw County an affordable place to live?

Based on the data, a single person in Saginaw County, MI would need approximately $2,723 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $58,347 per year ($4,862 per month). Saginaw County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Saginaw County?

The ACA marketplace benchmark premium in Saginaw County, MI is approximately $480 per month for an individual. Approximately 4.1% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Saginaw County?

The average home value in Saginaw County, MI is $139,400, with average annual property taxes of $2,190, according to U.S. Census Bureau data.

How does Saginaw County compare to other areas?

You can compare Saginaw County, MI with any other US county using our comparison tool at /compare. Saginaw County is in the Saginaw, MI metro area.

Other counties in Michigan

Browse the full list of counties in Michigan, ranked by cost of living.

See all counties in Michigan

Compare Saginaw County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources