CitytisticsShortlist

Cost of living, pay and housing

43.42° N · 84.07° W · GEOID 2673560

Shields

Saginaw County, Michigan · part of the Saginaw, MI metro

MichiganShields, MIShieldsShields

The short answer

Shields is home to 7,402 people. Median household income is $82,125 a year and median rent is $941 a month, 13.7% 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 $174,500, about 2.1x annual median household income.

Shields stands out on value for money. Rent is light relative to pay, but the county has a FEMA natural hazard risk score of 89 out of 100. Budget for insurance before counting the savings. Also notable: The median home costs 2.1 years of the median household's income, fewer than in 93% of places its size.

78OF 100

CTXCitytistics Index

Strong

Shields scores better than 78% of the 6,612 places we rate, and ranks 47th of 176 in Michigan.

How the CTX is built

Category ratings · 0 to 100, typical place 50

Affordability 20%95
Economy 20%39
Safety 20%n/a
Amenities 15%51
Education 10%48
Commute 10%64
Growth 5%n/a

Not rated: safety, growth, for want of data (the city police department does not report a full year to the FBI). The other weights are spread over the categories rated.

Median gross rent
$941
31% below the median place
Median household income
$82,125
2% above the median place
Median home value
$174,500
45% below the median place
Unemployment
6.2%
28% above 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 Shields

  • HousingHomeowners pay a median of about 1.6% of home value a year in property tax, more than in 79% of the 2,266 places under 10,000 people we track.
01

Moving to Shields

Saginaw County loses about 2.3 residents per 1,000 a year to moves between counties.

Moved in6,155
Moved out6,504
Net−349

Where people come from and where they go, top counties

Bay County, MI772821−49
Midland County, MI392524−132
Tuscola County, MI307266+41
Kent County, MI168197−29
Wayne County, MI125191−66

Within Michigan, other states or abroad

Arrivals
Leavers
Within MichiganOther states

Income per tax return

Arrivals$55K
Leavers$52K

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

Who moves here
4.9% of residents arrived from another county in the past year, 1.0% from another state. County figure.
Who arrives and who leaves
Households moving into Saginaw County report $55,200 a year in income on average; those leaving, $52,500, so newcomers earn more than leavers.
Income you would need
$37,600 a year to rent the median home at the 30% line. From your city
Rent or buy
Median rent is $941 a month; owners with a mortgage pay $1,419 a month including taxes and insurance, on a median home of $174,500.
Getting to work
23 minutes each way on average; 12.6% work from home.
If it is close but not quite
Canfield, OH matches it on character for less of your income. Compare the two
Income of households moving out7
$52,499
25% below the median place
Moved from another state1
1.0%
51% below the median place
Income of households moving in7
$55,227
22% below the median place
All 5 moving measures
MeasureShieldsAmong 6,645 placesVs median
Moved here in the past year1County figure4.9%15% below
Moved from another state1County figure1.0%51% below
Net movers per 1,000 people7County figure-2.3283% below
Income of households moving in7County figure$55,22722% below
Income of households moving out7County figure$52,49925% below
02

What it costs to live here

The median rent takes 13.7% of the median household's income, a smaller share than in 90% of the 2,480 places under 10,000 people we track.

Shields13.7%
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
$37,640
a year, at the 30% line
Rent to income
13.7%
33% below the median place
Home price to income
2.1x
44% below the median place

Could you afford it?

The median rent would take
14%
comfortably under the 30% line
Left after rent, in US prices
$73,300
a year
Vs the typical household here
Same
as the median household

Uses the median rent in Shields, $941 a month, and local prices for everything else (96.5 against a US average of 100). It runs in your browser and stores nothing.

Like Shields, but easier on the budget

Places that match Shields 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
Canfield, OH909.7% vs 13.7%$19,800Compare
Vernon, WI8911.2% vs 13.7%n/aCompare
Chesterland, OH869.3% vs 13.7%$27,500Compare

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

Sponsored · exampleMoving to Shields? Compare quotes from licensed movers. No partner is signed yet. Sponsored offers are always labelled and never change the data.
Median home value1
$174,500
45% below the median place
Property tax rate1
1.6%
75% above the median place
Homeownership1
80.7%
21% above the median place
All 16 cost and housing measures
MeasureShieldsAmong 6,645 placesVs median
Median gross rent1$94131% below
Rent to income113.7%33% below
Property tax rate11.6%75% above
Home price to income12.1x44% below
Prices vs US average2Metro figure90.910% below
Fair market rent, 2 bedrooms3County figure$1,14129% below
HUD area median income4County figure$83,20022% below
Property tax paid (median)1$2,76815% below
Median home value1$174,50045% below
Home prices, 1-year change5County figure3.8%20% above
Home prices, 5-year change5County figure54.0%5% above
Homeownership180.7%21% above
Renters paying 30%+150.3%1% below
Owner costs with a mortgage1$1,41924% below
Vacant homes1County figure9.6%36% above
Median year built119750% below
03

Work and pay

Commutes by transit is 0.0%, below the median place (median 0.8%).

Commutes by transit1
0.0%
below the median place (median 0.8%)
Unemployment1
6.2%
28% above the median place
Mean commute1
23 min
8% below the median place

More on work and pay, against the typical place

Poverty rate13.1% +22%
Income per person$42,149 +5%
Median household income$82,125 +2%
Works from home12.6% +1%
All 10 work and pay measures
MeasureShieldsAmong 6,645 placesVs median
Median household income1$82,1252% above
Income per person1$42,1495% above
Unemployment16.2%28% above
Average annual pay6County figure$60,9978% below
Pay growth, 1 year6County figure5.1%38% above
Jobs6County figure80,21047% below
Poverty rate113.1%22% above
Mean commute123 min8% below
Works from home112.6%1% above
Commutes by transit10.0%below (median 0.8%)
04

Who lives here

The median resident is 48 years old, older than in 88% of the 2,479 places under 10,000 people we track.

Median age1
48.0
23% above the median place
No health insurance1
3.4%
47% below the median place
Household size1
2.3
8% below the median place

More about who lives here, against the typical place

Homes with broadband89.6% −3%
Bachelor's or higher30.8% −4%
High school or higher92.0% −0%
All 8 people measures
MeasureShieldsAmong 6,645 placesVs median
Population17,4025199th largest
Median age148.023% above
Bachelor's or higher130.8%4% below
High school or higher192.0%0% below
Household size12.38% below
Born abroad1County figure2.4%73% below
No health insurance13.4%47% below
Homes with broadband189.6%3% below
05

Life in Shields

About 4 km of named paths and bike trails are mapped in and around the city, more than in 80% of the 2,480 places under 10,000 people we track.

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

Out the door, against the typical place

Parks per 10k residents5.4 −47%
Playgrounds per 10k10.8 +15%
Grocery stores per 10k2.7 +27%
Restaurants, cafes and bars per 10k18.9 +70%
Libraries per 10k1.4 +55%
Named paths and bike trails4 km 2.1×
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

  • North Country Trail 72 miles
  • River Raisin National Battlefield Park 110 miles
  • Fallen Timbers Battlefield and Fort Miamis National Historic Site 131 miles

Businesses per 10,000 residents (county figures)

Restaurants and bars20.3 −2%
Shops39.7 +31%
Arts, recreation and fitness3.1 −24%
Doctors' offices and clinics21.7 +7%
Child care centers2.5 +9%

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

Nearest National Park Service site10
72.0
134% above the median place
Shops per 10k8
39.7
31% above the median place
Public schools12
73
above the median place (median 9)
All 18 schools and local life measures
MeasureShieldsAmong 6,645 placesVs median
Public schools12County figure73above (median 9)
Public school students12County figure25,194above (median 4,897)
Students per teacher12County figure17.816% above
Restaurants and bars per 10k8County figure20.32% below
Shops per 10k8County figure39.731% above
Arts, recreation and fitness per 10k8County figure3.124% below
Doctors' offices and clinics per 10k8County figure21.77% above
Child care centers per 10k8County figure2.59% above
Parks per 10k95.447% below
Playgrounds per 10k910.815% above
Grocery stores per 10k92.727% above
Restaurants, cafes and bars per 10k918.970% above
Libraries per 10k91.455% above
Named paths and bike trails94.2110% above
Transit stops per sq mi90.0below (median 0.2)
Nearest National Park Service site1072.0134% above
National Park Service sites within 60 miles100below (median 2)
National Register listings11County figure42223% above
06

Safety, weather and risk

Wildfire risk is 16.0, 74% below the median place.

No crime figure yet. Either the city police department did not report to the FBI for the latest year, or our monthly fetch has not reached Shields. Larger places are fetched first.

Wildfire risk14
16.0
74% below the median place
January average low13
16°F
36% below the median place
Average temperature13
48°F
13% below the median place
All 9 weather and risk measures
MeasureShieldsAmong 6,645 placesVs median
July average high13County figure83°F5% below
January average low13County figure16°F36% below
Average temperature13County figure48°F13% below
Annual precipitation13County figure32.9 in25% below
Natural hazard risk14County figure88.54% below
Hurricane risk14County figure50.529% below
Tornado risk14County figure93.315% above
Wildfire risk14County figure16.074% below
Heat wave risk14County figure77.814% below
08

Shields in 2030: where the trends point

If recent trends hold, the median rent will take about 14% of the median income in 2030, about the same as 14% 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, Shields does better than 95% of places. Its projected home value growth beats 26%.

MeasureLatest2030 projectionLikely rangeAvg. per year
Median rent$941/mo (2024)$1,190/mo$980 to $1,450/mo+4.0%
Median household income$82,125 (2024)$104,500$88,500 to $123,500+4.1%
Median home value$174,500 (2024)$246,000$179,000 to $339,000+5.9%

The median home would be worth 2.4 years of the median income in 2030, against 2.1 now.

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

09

Places like Shields

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

PlaceRentIncome
Lower Burrell, PA$911$84,602Compare
Trenton, MI$880$82,212Compare
Homeacre-Lyndora, PA$928$74,217Compare
Old Forge, PA$859$71,812Compare
Old Forge, PAHomeacre-Lyndora, PATrenton, MILower Burrell, PAShields, MIShieldsLower BurrellOld ForgeShieldsLower BurrellOld Forge

Places built like Shields

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 Shields performs against places like it.

PlaceRent to incomeIncome growthPop. change
Shields, MI13.7%6.0%/yrn/a
Cortland, OH12.1%2.8%/yr-1.2%Compare
Munroe Falls, OH12.5%4.1%/yr-1.4%Compare
Twin Lakes, WI12.1%4.9%/yr0.4%Compare
Champion Heights, OH17.0%3.5%/yrn/aCompare
Crestwood, IL21.1%4.4%/yr-2.7%Compare
Northwood, OH15.0%4.4%/yr1.6%Compare

Common questions

Is Shields a good place to live?

It depends on what you need, so here is what the numbers say. Its Citytistics Index is 78 out of 100, better than 78% of the places we rate and 47th of 176 in Michigan. Homeowners pay a median of about 1.6% of home value a year in property tax, more than in 79% of the 2,266 places under 10,000 people we track. On cost, space and class size it scores 84 out of 100 for families. See how it ranks with your own weights.

Is Shields expensive to live in?

The median rent takes 13.7% of the median household income, against 20.4% in the typical place we track. Housing is a lighter load here than usual. The median home is valued at $174,500.

What salary do you need to live in Shields?

To rent the median home without spending more than 30% of income on rent, a household needs about $37,640 a year. Work it out from your current city.

What places are similar to Shields?

On income, rent, home value, education and age, the closest matches are Lower Burrell, PA, Trenton, MI, Homeacre-Lyndora, PA and Old Forge, PA.

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. Income Limits · US Department of Housing and Urban Development · Fiscal year 2026
  5. House Price Index · Federal Housing Finance Agency · Latest release, retrieved 2026-11-14
  6. Quarterly Census of Employment and Wages · US Bureau of Labor Statistics · 2025 annual averages
  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. Common Core of Data · National Center for Education Statistics · 2024 release
  13. 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
  14. National Risk Index · Federal Emergency Management Agency · Latest release, retrieved 2026-11-14NRI data and maps

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 Shields with places of a similar size, using only figures measured for Shields itself; county and metro figures never count. Survey figures are estimates with margins of error. Formulas and definitions: methodology. API: /api/v1/places/shields-michigan

Citytistics. “Shields, Michigan.” Data as of 2026-11-14. https://www.citytistics.com/city/shields-michigan/

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