Photo: WeaponizingArchitecture · CC BY-SA 4.0474 homes sold in Saginaw in the last year, at a typical $77K
Almost every sale is a house. Below: what each kind of home sells for, what your budget buys, the best months to buy, how hard you’ll have to bid, and a shortcut to every site where Saginaw homes are listed.
Every place Saginaw homes are listed, in one stop
We don’t copy listings: the agents’ sites have the photos and the latest price changes. Set what you want once and we open each site already filtered to Saginaw.
For sale
Rent
New, land & open houses
Links open the listing sites; TownRatings isn’t paid for them and doesn’t rank one above another. Rentals and government-owned homes come from sources outside the MLS.
Houses are 92% of Saginaw’s sales, at a typical $78K (year to May 2026)
474 homes sold in the year to September 2026.
typical sale · 455 sold in the year to May 2026
- Per square foot
- $65MI $172
- Days to sell
- 35
- Sold over asking
- 28%
- Listings with a price cut
- 25%
Multi-family (2–4 units): 37 sold, typical $76K
Condos: 3 sold, typical $239K
Too few sales in 12 months for reliable figures.
About as many homes sell as usual, at 3.2 times the 2016 price
474 sales in the last year, against 613 in 2021 and a low of 444 in 2020. The typical sale went from $24K in 2016 to $77K.
Source: Redfin Data Center, MLS sales; from June 2026 each month is a 3-month rolling window, its counts divided by 3. Typical price and $/sq ft are the monthly medians, weighted by sales. Redfin stopped publishing towns’ figures by property type after May 2026, so houses and condos are shown for the year to then.
What $150K buys in Saginaw
Check a listing against what Saginaw homes sold for
Against the town’s median price per square foot over the last 12 months. A rough check: condition, lot and location within town move a price more than this can see.
Bidding wars in Saginaw are more common than before the pandemic, and more homes are for sale
We read every month of Saginaw’s home sales since 2012 so you don’t have to. Each figure covers 12 months, because a single month in a town is too few sales to mean much. Latest: the year to September 2026, 474 sales.
If you’re buying in Saginaw
- Shop in April. It brings about 53 new listings a month, close to the busiest month, with fewer bidding wars (23% over asking).
- Offer under asking. Buyers paid 93.5% of the list price on average; 24% paid over.
- You’ll usually have time. Only 35% of homes go under contract within two weeks; the typical one takes 36 days.
Summer brings both the most homes and the most bidding wars
July has the most new listings (about 65 a month), and the most competition: 29% close over asking. April and May offer nearly as much choice with fewer homes bid up (23%). December has the least competition (17%) but only about 34 new listings.
Averages for each calendar month, 2015 on.
Nearly as heated as 2021, and about like Michigan as a whole
| Saginaw now | 2017–19 | 2021 peak | MI now | |
|---|---|---|---|---|
| Sold over askingShare of sales that closed above the list price | 24% | 16% | 34% | 28% |
| Gone within two weeksShare of homes under contract within 14 days | 35% | 23% | 51% | 40% |
| Price paid vs. askingAverage sale price ÷ list price | 93.5% | 92.2% | 96.5% | 98.1% |
| Days to sellMedian days from listing to contract | 36 | 46 | 15 | 36 |
175 homes for sale on a typical day
That’s 2.4 times the 2020 low (73), 27% more than in 2017–19 and well under 2013’s 310.
Saginaw ranks 153rd of 194 busy Michigan markets for bidding wars
Share of sales over asking in the last year, among towns with 60 or more sales. Saginaw is one of the state’s calmer markets.
Source: Redfin Data Center, city figures, January 2012 to September 2026 (MLS sales, not seasonally adjusted; from June 2026 each month is a 3-month rolling window, its counts divided by 3). Ratios are weighted by homes sold; price cuts by homes for sale.
Owning the typical Saginaw home costs about $547 a month
Price: Saginaw’s typical sale, last 12 months. Property tax at Saginaw’s 2.3% (median bill ÷ median value, Census ACS); insurance at 0.35% of price a year. Before PMI, HOA dues, upkeep and the tax deduction. Whether Saginaw is affordable on local pay is on Cost of living.
Six things worth knowing
New listings in July
The month with the most choice. December has the fewest, about 34.
Best time to buyProperty tax, a year
Of a home’s value: the median bill over the median home value. On a $77K home, about $1,750 a year.
Taxes vs. neighborsSchools
The schools grade for Saginaw, from test results, graduation and how much students grow.
Schools in SaginawCheck the flood map
Flood insurance isn’t in a standard policy, and lenders require it in FEMA flood zones. Check the address before you make an offer.
Natural hazardsLook up any property
Assessed value, lot size and every past sale of a home you’re eyeing are public, at the town or county assessor and the registry of deeds.
Buena Vista Township sells for less a square foot; Shields, Bridgeport Township, Freeland, Frankenmuth and Bay City for far more
The busier markets within 25 miles of Saginaw, by what sold. Prices, taxes and how far a paycheck goes next door are on Cost of living.
| Sold | Typical sale | $/sq ft | Over asking | Days to sell | |
|---|---|---|---|---|---|
| Saginaw | 474 | $77K | $64 | 24% | 36 |
| Bay City | 457 | $131K | $96 | 35% | 25 |
| Shields | 115 | $189K | $126 | 20% | 17 |
| Freeland | 92 | $354K | $162 | 26% | 27 |
| Frankenmuth | 71 | $360K | $184 | 10% | 28 |
| Bridgeport Township | 66 | $144K | $107 | 34% | 38 |
| Buena Vista Township | 50 | $65K | $55 | 15% | 81 |
Redfin Data Center, October 2025 to September 2026. Towns with fewer than 20 sales are left out, and Redfin doesn’t report every town separately.
Post your home to Saginaw, free
Selling it yourself, renting out an apartment or looking for a roommate? Post it to Saginaw. People who follow the town see it, and so do people comparing Saginaw with their own town. No commission, no listing fee.
Questions about buying a home in Saginaw
What do homes sell for in Saginaw, MI?
474 homes sold in the year to September 2026 at a typical $77K, $64 a square foot.
Is Saginaw a buyer’s or seller’s market?
A balanced market: 167 homes were for sale in September 2026 and 41 sold, about 4.1 months of supply. Buyers paid 93.5% of asking on average.
When is the best time to buy in Saginaw?
July brings the most new listings. The sales history shows which months have fewer bidding wars.
How much are property taxes in Saginaw?
About 2.3% of a home’s value a year. On a $77K home that’s near $1,750.
Where can I see homes for sale in Saginaw?
Zillow, Redfin, Realtor.com and Homes.com all carry Saginaw’s MLS listings; the search links above open each one filtered to Saginaw.
Sales, prices, days on market and listings: Redfin Data Center (MLS, monthly, not seasonally adjusted; from June 2026 each month is a 3-month rolling window, its counts divided by 3). Property tax rate: Census American Community Survey. Two-bedroom rent: HUD Fair Market Rent. Typical home value: Zillow Home Value Index. Schools grade: TownRatings (how grades work).