CitytisticsShortlist

Cost of living, pay and housing

32.87° N · 97.37° W · GEOID 4864112

Saginaw

Tarrant County, Texas · part of the Dallas, TX metro

TexasSaginaw, TXSaginawSaginaw

The short answer

Saginaw is home to 24,970 people. Median household income is $97,276 a year and median rent is $1,776 a month, 21.9% of income (a ratio of two medians, not any one household's burden). Rent pressure is lighter than in most places. The median home is valued at $298,500, about 3.1x annual median household income.

The story in Saginaw is how fast things are changing. Housing became less affordable between 2019 and 2024: rent went from 17.4% to 21.9% of income. Also notable: About 0 km of named paths and bike trails are mapped in and around the city, fewer than in 84% of places its size. It is the lowest of 415 Texas places we track.

43OF 100

CTXCitytistics Index

Below average

Saginaw scores better than 43% of the 6,612 places we rate, and ranks 198th of 407 in Texas.

How the CTX is built

Category ratings · 0 to 100, typical place 50

Affordability 20%56
Economy 20%63
Safety 20%46
Amenities 15%26
Education 10%33
Commute 10%43
Growth 5%58
Median gross rent
$1,776
30% above the median place
Median household income
$97,276
21% above the median place
Median home value
$298,500
7% below the median place
Unemployment
4.6%
7% below the median place

Compared with the median of the 6,645 places we track. The bundle was checked 2026-11-14; each measure may refer to an older release.

What stands out about Saginaw

  • HousingHalf the homes were built after 2000, newer housing than in 88% of the 2,300 places of 10,000 to 25,000 people we track.
  • GrowthThe population has grown 11.7% since 2020, faster growth than in 87% of the 1,591 places of 10,000 to 25,000 people we track.
01

Moving to Saginaw

Tarrant County gains about 1.2 residents per 1,000 a year to moves between counties.

Moved in107,736
Moved out105,694
Net+2,042

Where people come from and where they go, top counties

Dallas County, TX25,21118,489+6,722
Denton County, TX8,3259,875−1,550
Johnson County, TX4,1457,555−3,410
Parker County, TX3,1155,618−2,503
Collin County, TX3,2583,280−22
Ellis County, TX1,4563,027−1,571
Harris County, TX2,2842,069+215

Within Texas, other states or abroad

Arrivals
Leavers
Within TexasOther statesAbroad

Income per tax return

Arrivals$70K
Leavers$74K

People on tax returns who moved between counties, from IRS migration data, 2022 to 2023. Figures are for all of Tarrant County; flows under 20 returns are not published.

Who moves here
5.3% of residents arrived from another county in the past year, 1.9% from another state.
Who arrives and who leaves
Households moving into Tarrant County report $70,400 a year in income on average; those leaving, $73,800.
Income you would need
$71,000 a year to rent the median home at the 30% line. From your city
Rent or buy
Median rent is $1,776 a month; owners with a mortgage pay $1,992 a month including taxes and insurance, on a median home of $298,500.
Getting to work
26 minutes each way on average; 13.6% work from home.
If it is close but not quite
Ripon, CA matches it on character for less of your income. Compare the two
Moved here in the past year1
5.3%
7% below the median place
Net movers per 1,000 people7
1.2
above the median place (median -0.6)
Income of households moving out7
$73,824
5% above the median place
All 5 moving measures
MeasureSaginawAmong 6,645 placesVs median
Moved here in the past year15.3%7% below
Moved from another state1County figure1.9%6% below
Net movers per 1,000 people7County figure1.2above (median -0.6)
Income of households moving in7County figure$70,4180% below
Income of households moving out7County figure$73,8245% above
02

What it costs to live here

Owning with a mortgage costs only about $216 a month more than the median rent, a smaller gap than in 84% of the 2,298 places of 10,000 to 25,000 people we track.

Saginaw21.9%
Typical place20.4%

Share of the median household income that goes to the median rent. Above 30% is the usual stress line.

Income needed to rent
$71,040
a year, at the 30% line
Rent to income
21.9%
7% above the median place
Home price to income
3.1x
19% below the median place

Could you afford it?

The median rent would take
22%
comfortably under the 30% line
Left after rent, in US prices
$75,600
a year
Vs the typical household here
Same
as the median household

Uses the median rent in Saginaw, $1,776 a month, and local prices for everything else (100.1 against a US average of 100). It runs in your browser and stores nothing.

Like Saginaw, but easier on the budget

Places that match Saginaw on character (size, age, education, homeownership, household size, housing age, remote work and climate) but where rent takes a clearly smaller share of income. Cost was left out of the match on purpose.

PlaceMatchRent to incomeMore left a year
Ripon, CA9416.7% vs 21.9%$32,100Compare
Moncks Corner, SC9417.1% vs 21.9%$2,200Compare
Blanchard, OK8912.6% vs 21.9%$9,300Compare
Beebe, AR8916.1% vs 21.9%n/aCompare

Moving from somewhere else? Work out the salary you would need in Saginaw.

Sponsored · exampleMoving to Saginaw? Compare quotes from licensed movers. No partner is signed yet. Sponsored offers are always labelled and never change the data.
Median year built1
2000
1% above the median place
Property tax rate1
1.7%
82% above the median place
Property tax paid (median)1
$4,942
51% above the median place
All 15 cost and housing measures
MeasureSaginawAmong 6,645 placesVs median
Median gross rent1$1,77630% above
Rent to income121.9%7% above
Property tax rate11.7%82% above
Home price to income13.1x19% below
Prices vs US average2Metro figure103.12% above
Fair market rent, 2 bedrooms3County figure$1,7458% above
Property tax paid (median)1$4,94251% above
Median home value1$298,5007% below
Home prices, 1-year change4County figure0.5%86% below
Home prices, 5-year change4County figure45.5%12% below
Homeownership168.3%3% above
Renters paying 30%+152.7%4% above
Owner costs with a mortgage1$1,9926% above
Vacant homes1County figure7.2%2% above
Median year built120001% above
03

Work and pay

Poverty rate is 5.6%, 48% below the median place.

Poverty rate1
5.6%
48% below the median place
Median household income1
$97,276
21% above the median place
Unemployment1
4.6%
7% below the median place

More on work and pay, against the typical place

Mean commute26 min +5%
Works from home13.6% +9%
Income per person$41,029 +2%
All 10 work and pay measures
MeasureSaginawAmong 6,645 placesVs median
Median household income1$97,27621% above
Income per person1$41,0292% above
Unemployment14.6%7% below
Average annual pay5County figure$74,95014% above
Pay growth, 1 year5County figure3.1%16% below
Jobs5County figure1,017,941above (median 150,665)
Poverty rate15.6%48% below
Mean commute126 min5% above
Works from home113.6%9% above
Commutes by transit1County figure0.3%59% below
04

Who lives here

Homes with broadband is 97.2%, 5% above the median place.

Homes with broadband1
97.2%
5% above the median place
Population change since 20206
11.7%
above the median place (median 1.1%)
No health insurance1
10.9%
70% above the median place

More about who lives here, against the typical place

Household size2.8 +11%
Bachelor's or higher24.7% −23%
Median age37.2 −5%
High school or higher90.9% −2%
Born abroad9.8% +10%
All 9 people measures
MeasureSaginawAmong 6,645 placesVs median
Population124,9701867th largest
Population change since 2020611.7%above (median 1.1%)
Median age137.25% below
Bachelor's or higher124.7%23% below
High school or higher190.9%2% below
Household size12.811% above
Born abroad19.8%10% above
No health insurance110.9%70% above
Homes with broadband197.2%5% above
05

Life in Saginaw

The nearest National Park Service site is Waco Mammoth National Monument, about 88 miles away.

128 sites are on the National Register of Historic Places. Its history on Wikipedia

Out the door, against the typical place

Parks per 10k residents7.2 −29%
Playgrounds per 10k12.0 +28%
Grocery stores per 10k2.0 −6%
Restaurants, cafes and bars per 10k4.4 −60%
Libraries per 10k0.8 −8%
Named paths and bike trails0 km −100%
Bus and rail stops per sq mi0.0 −100%

Mapped by volunteers in OpenStreetMap inside the city limits (Census boundaries), so coverage is fuller in some places than others. Map data © OpenStreetMap contributors, ODbL.

National Park Service sites nearby

  • Waco Mammoth National Monument 88 miles
  • Chickasaw National Recreation Area 115 miles
  • El Camino Real de los Tejas National Historic Trail 179 miles

Businesses per 10,000 residents (county figures)

Restaurants and bars20.8 +0%
Shops29.4 −3%
Arts, recreation and fitness3.4 −17%
Doctors' offices and clinics23.0 +14%
Child care centers2.0 −13%

Counts businesses with paid staff, so small owner-run shops are not included.

Nearest National Park Service site10
87.8
185% above the median place
Public schools13
6
33% below the median place
Students per teacher13
15.0
3% below the median place
All 18 schools and local life measures
MeasureSaginawAmong 6,645 placesVs median
Public schools13633% below
Public school students134,4858% below
Students per teacher1315.03% below
Restaurants and bars per 10k8County figure20.80% above
Shops per 10k8County figure29.43% below
Arts, recreation and fitness per 10k8County figure3.417% below
Doctors' offices and clinics per 10k8County figure23.014% above
Child care centers per 10k8County figure2.013% below
Parks per 10k97.229% below
Playgrounds per 10k912.028% above
Grocery stores per 10k92.06% below
Restaurants, cafes and bars per 10k94.460% below
Libraries per 10k90.88% below
Named paths and bike trails90.0below (median 2.0)
Transit stops per sq mi90.0below (median 0.2)
Nearest National Park Service site1087.8185% above
National Park Service sites within 60 miles100below (median 2)
National Register listings11County figure128above (median 13)
06

Safety, weather and risk

Violent crime per 100k is 285, 49% above the median place.

Violent crime per 100k
285
49% above the median place
Property crime per 100k
1,046
14% below the median place
Months reported
12 of 12
by the city police department to the FBI

Counts only offenses reported by the city police department. Sheriff, state and campus police are not included, and some departments do not report to the FBI at all, so compare with care.

Tornado risk15
99.9
23% above the median place
July average high14
96°F
10% above the median place
Heat wave risk15
99.5
10% above the median place
All 11 weather and risk measures
MeasureSaginawAmong 6,645 placesVs median
July average high14County figure96°F10% above
January average low14County figure35°F40% above
Average temperature14County figure66°F20% above
Annual precipitation14County figure36.7 in16% below
Natural hazard risk15County figure99.17% above
Hurricane risk15County figure72.32% above
Tornado risk15County figure99.923% above
Wildfire risk15County figure91.549% above
Heat wave risk15County figure99.510% above
Median air quality index16County figure5630% above
Good air days16County figure31.8%54% below
08

Saginaw in 2030: where the trends point

If recent trends hold, the median rent will take about 23% of the median income in 2030, up from 22% now.

Citytistics projections to 2030: each figure's own trend, blended with the typical trend across the places we rate, eased toward long-run US growth and carried forward from the latest release. The range is where 80% of places landed when we tested the same method on past releases. On projected 2030 affordability, Saginaw does better than 52% of places. Its projected home value growth beats 87%.

MeasureLatest2030 projectionLikely rangeAvg. per year
Median rent$1,776/mo (2024)$2,300/mo$1,890 to $2,810/mo+4.4%
Median household income$97,276 (2024)$122,500$103,500 to $144,500+3.9%
Median home value$298,500 (2024)$443,000$321,000 to $610,000+6.8%
Population26,706 (2025)28,42027,260 to 29,630+1.3%

The median home would be worth 3.6 years of the median income in 2030, against 3.1 now.

A projection of recent trends, not a prediction of the economy or advice to buy or sell. How we project.

09

Places like Saginaw

The closest matches on income, rent, home value, education and age, and the places nearby.

PlaceRentIncome
Crowley, TX$1,725$95,030Compare
Yulee, FL$1,754$85,247Compare
Haledon, NJ$1,750$95,870Compare
North Plainfield, NJ$1,752$87,349Compare
North Plainfield, NJHaledon, NJYulee, FLCrowley, TXSaginaw, TXSaginawCrowleyYuleeHaledonSaginawCrowleyYuleeHaledon

Places built like Saginaw

Its statistical peers: the closest matches on size, age, education, homeownership, household size, housing age, origin and remote work, in the same part of the country. Cost and outcomes are left out of the match, so the table shows how Saginaw performs against places like it.

PlaceRent to incomeIncome growthPop. change
Saginaw, TX21.9%3.1%/yr11.7%
Converse, TX21.6%5.3%/yr17.2%Compare
Mustang, OK17.6%3.5%/yr23.4%Compare
Crowley, TX21.8%4.4%/yr16.0%Compare
Lancaster, TX29.9%3.6%/yr-1.8%Compare
Seguin, TX22.0%5.8%/yr39.3%Compare
Hewitt, TX22.1%3.0%/yr4.5%Compare

Common questions

Is Saginaw a good place to live?

It depends on what you need, so here is what the numbers say. Its Citytistics Index is 43 out of 100, better than 43% of the places we rate and 198th of 407 in Texas. Half the homes were built after 2000, newer housing than in 88% of the 2,300 places of 10,000 to 25,000 people we track. The population has grown 11.7% since 2020, faster growth than in 87% of the 1,591 places of 10,000 to 25,000 people we track. On cost, space and class size it scores 77 out of 100 for families. See how it ranks with your own weights.

Is Saginaw expensive to live in?

The median rent takes 21.9% of the median household income, against 20.4% in the typical place we track. Housing is a heavier load here than usual. The median home is valued at $298,500.

What salary do you need to live in Saginaw?

To rent the median home without spending more than 30% of income on rent, a household needs about $71,040 a year. Work it out from your current city.

Is Saginaw safe?

There were 285 reported violent crimes per 100,000 residents, against 192 in the typical place.

What places are similar to Saginaw?

On income, rent, home value, education and age, the closest matches are Crowley, TX, Yulee, FL, Haledon, NJ and North Plainfield, NJ.

Sources and methods

The small numbers beside each measure point here. Every dataset is public; links go to the publisher.

  1. American Community Survey 5-year estimates · US Census Bureau · 2020 to 2024 estimatesTables B01002, B01003, B05002, B07003, B08013, B08301, B15003, B17001, B19013, B19301, B23025, B25002, B25003, B25010, B25035, B25064, B25070, B25077, B25088, B25103, B28002, S2701
  2. Regional Price Parities · US Bureau of Economic Analysis · Latest release, retrieved 2026-11-14
  3. Fair Market Rents · US Department of Housing and Urban Development · Fiscal year 2027
  4. House Price Index · Federal Housing Finance Agency · Latest release, retrieved 2026-11-14
  5. Quarterly Census of Employment and Wages · US Bureau of Labor Statistics · 2025 annual averages
  6. Population Estimates · US Census Bureau · Vintage 2025
  7. SOI Tax Stats, county-to-county migration · Internal Revenue Service · Tax years 2022 to 2023Counts tax returns and the people on them; flows under 20 returns are suppressed.
  8. County Business Patterns · US Census Bureau · 2023 data
  9. OpenStreetMap · © OpenStreetMap contributors, available under the Open Database License (ODbL) · Map data as of 2026-11
  10. National Park Service sites · Wikidata (CC0), units operated by the National Park Service · Retrieved 2026-11
  11. National Register of Historic Places · National Park Service · Listings through 2026-05-22
  12. Crime Data Explorer · Federal Bureau of Investigation · 2025 data
  13. Common Core of Data · National Center for Education Statistics · 2024 release
  14. 1991-2020 climate normals · NOAA National Centers for Environmental Information · Series updated 2026-11-05Averages for 1991 to 2020 computed from NOAA's county climate series (nClimDiv).nClimDiv county series
  15. National Risk Index · Federal Emergency Management Agency · Latest release, retrieved 2026-11-14NRI data and maps
  16. Air Quality System, annual AQI by county · US Environmental Protection Agency · 2025 dataAirData download files

Derived by Citytistics from the tables above: rent to income (B25064, B19013); property tax rate (B25103, B25077); home price to income (B25077, B19013).

What stands out compares Saginaw with places of a similar size, using only figures measured for Saginaw itself; county and metro figures never count. Survey figures are estimates with margins of error. Formulas and definitions: methodology. API: /api/v1/places/saginaw-texas

Citytistics. “Saginaw, Texas.” Data as of 2026-11-14. https://www.citytistics.com/city/saginaw-texas/

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.