Measured against area pay, Spaulding Township costs less to live in than 94% of U.S. towns
Home prices around Spaulding Township have risen about 64% over the past 5 years. Builders were permitted 46 new homes in 2025.
Census 2020–24 home values, rents, tax bills and cost burden, measured against the median household income of the Saginaw, MI metro area ($61K). How TownRatings grades cost of living
The grade compares costs with what households across the Saginaw metro earn ($61K, Census 2020–24). The typical home costs 1.9 years of metro income, and 100% of renters pay 30% or more of income for housing.
In dollars
- $1,090a month for a two-bedroom, utilities includedHUD Fair Market Rent, 2026
- 91prices across the Saginaw metro, where the U.S. is 100 (housing 64)BEA Regional Price Parities, 2024
In paychecks the grade
- 1.9 yrsof area income buys the typical home; the typical U.S. town: 3.3$61K, Saginaw-area income
- 14%of area income goes to the median rent; the typical U.S. town: 18%Census 2020–24
- 13%of owners do; the typical U.S. town: 20%Census 2020–24
Housing in Spaulding Township, in brief
Building at 10 times the Michigan pace
Builders were permitted 46 new homes in 2025: 23 per 1,000 residents, against 2.3 across Michigan. That’s 46 in the past 10 years. New homes ↓
Owning can cost less than renting
With 20% down at the calculator’s rate, the typical Spaulding Township home runs about $1,000 a month with tax and insurance. A two-bedroom rents for about $1,090. Can I afford it? ↓
Nearly every household owns
95% of Spaulding Township households own their home, against 73% across Michigan. There are only 12 renter households, so rentals are scarce. Property taxes ↓
Written from the data on this page. There’s no Zillow index for Spaulding Township, so the typical value is an estimate: the Census median carried forward with the federal house price index; permits are Census figures through 2025; incomes, rents paid, taxes and ownership come from the Census American Community Survey.
What’s behind Spaulding Township’s grade
Measured against what households in the area earn, Spaulding Township is more affordable than 94% of U.S. towns. Property tax pulls the grade down most; the share of households paying 30%+ for housing holds it up.
Home prices up 64% in 5 years
The federal house price index for the ZIP code around Spaulding Township rose 64% over the past 5 years, faster than across Michigan (52%). Last year prices rose 14%. Carrying the Census median home value forward with that index puts the typical Spaulding Township home at roughly $152,000 today.
Carrying the Census median forward with the index puts a typical home at about $152K.
Federal Housing Finance Agency House Price Index (annual) for the ZIP codes around Spaulding Township, weighted by land area. It tracks repeat sales of the same homes, so it shows how prices changed, not what homes cost.
A typical home costs 1.9 years of area income
The calculator starts from the area income the grade uses. Switch to Spaulding Township’s own median, or type yours.
That covers a typical Spaulding Township home, with $66K to spare.
A two-bedroom rents for about $1,090 a month here, $90 more than owning.
An estimate, not a loan offer: payments of up to 28% of income, a 30-year fixed loan, Spaulding Township’s typical property tax (1.55% of value a year, from the Census) and insurance of about 0.35%. Mortgage insurance, HOA fees and other debts aren’t included.
A two-bedroom rents for about $1,090
Renters already here pay a median of $692, so moving in tends to cost more than staying put.
Fair Market Rent a month, utilities included
U.S. Department of Housing and Urban Development, Fair Market Rents by ZIP code (Saginaw, MI MSA): the 40th-percentile rent plus utilities for a standard unit. Median rent and renters: U.S. Census Bureau, American Community Survey.
46 new homes permitted in 2025
Builders were permitted 46 new homes in Spaulding Township in 2025: 5 single-family houses and 41 in buildings with two or more homes, worth about $2.2 million to build. That's 23 per 1,000 residents, faster than across Michigan (2.3). Over the past 10 years, Spaulding Township has permitted 46 homes in all.
Between the 2010 and 2020 censuses, Spaulding Township's population fell by 178 even though 1 new home was permitted. Homes are holding fewer people: households are getting smaller, or more homes are used part of the year. Across Michigan: 1.2 new residents per new home.
Every year as a table
| Year | New homes | Single-family | 2+ per building | Value |
|---|---|---|---|---|
| 2026 (Jan–Aug) | 19 | 4 | 15 | $1.1 million |
| 2025 | 46 | 5 | 41 | $2.2 million |
| 2024 | 0 | 0 | 0 | — |
| 2023 | 0 | 0 | 0 | — |
| 2022 | 0 | 0 | 0 | — |
| 2021 | 0 | 0 | 0 | — |
| 2020 | 0 | 0 | 0 | — |
| 2019 | 0 | 0 | 0 | — |
| 2018 | 0 | 0 | 0 | — |
| 2017 | 0 | 0 | 0 | — |
| 2016 | 0 | 0 | 0 | — |
| 2015 | 0 | 0 | 0 | — |
| 2014 | 0 | 0 | 0 | — |
| 2013 | 0 | 0 | 0 | — |
| 2012 | 1 | 1 | 0 | $75,000 |
| 2011 | 0 | 0 | 0 | — |
| 2010 | 0 | 0 | 0 | — |
| 2009 | 0 | 0 | 0 | — |
| 2008 | 0 | 0 | 0 | — |
| 2007 | 0 | 0 | 0 | — |
| 2006 | 2 | 2 | 0 | $250,000 |
| 2005 | 1 | 1 | 0 | $135,000 |
| 2004 | 3 | 3 | 0 | $243,000 |
| 2003 | 1 | 1 | 0 | $55,000 |
| 2002 | 1 | 1 | 0 | $80,000 |
| 2001 | 5 | 5 | 0 | $581,000 |
| 2000 | 1 | 1 | 0 | $100,000 |
Homes authorized by building permits, counted in the year the permit was issued. U.S. Census Bureau, Building Permits Survey.
Low tax bills, but a high tax rate
The median bill is $1,820, under the Michigan median of $2,904, because homes cost less. As a share of value it’s 1.55% a year, against 1.25% statewide.
Census American Community Survey 2020–24: the median real-estate tax bill homeowners report, and that bill ÷ the median home value. Bills include town, school and county taxes. The Census reports bills over $10,000 only as “$10,000+”.
The rest of a budget near Spaulding Township
Only figures published free for the whole country, each labeled with the area it covers: the Saginaw, MI metro area, or Michigan. Groceries follow the goods price level; nobody publishes them town by town.
| Cost | Here | Compared with | Area | Source |
|---|---|---|---|---|
| Prices overall U.S. = 100 | 91 | MI 96 | metro | BEA, 2024 |
| Goods (groceries, clothing, cars…) U.S. = 100 | 94 | MI 96 | metro | BEA, 2024 |
| Utilities U.S. = 100 | 96 | MI 100 | metro | BEA, 2024 |
| Other services U.S. = 100 | 100 | MI 101 | metro | BEA, 2024 |
| Electricity cents per kWh, homes | 23.1¢ | U.S. 18.3¢ | state | EIA, July 2026 |
Price levels: U.S. Bureau of Economic Analysis, Regional Price Parities 2024 (metro area and state). Electricity: U.S. Energy Information Administration, Electric Power Monthly, table 5.6.A.
Spaulding Township vs. its neighbors
Zillow publishes no value for Spaulding Township. James Township and Albee Township have no Zillow value, so they are in the table only.
Cost next door · one source per column
| Town | Cost | Typical home Zillow, latest | Median value Census 2020–24 | Tax rate bill ÷ value | 2-bed rent HUD 2026 |
|---|---|---|---|---|---|
| Spaulding Township | A | — | $118K | 1.55% | $1,090 |
| Saginaw | B | $134K | $60K | 2.26% | $1,100 |
| James Township | B− | — | $165K | 1.42% | $1,080 |
| Albee Township | B− | — | $160K | 1.57% | $1,080 |
| Bridgeport Township | A | $174K | $110K | 1.60% | $1,120 |
“—” under Zillow: Zillow publishes no value for that town, so it’s left blank rather than mixed with Census figures.
Questions about the cost of living in Spaulding Township
Is Spaulding Township expensive to live in?
Measured against what households in the area earn, Spaulding Township costs less than 94% of U.S. towns: an A for cost of living. The typical home costs 1.9 years of the median household income of the Saginaw, MI metro area ($61K).
How much is rent in Spaulding Township?
HUD puts a two-bedroom at about $1,090 a month with utilities, the going rate for someone moving in. Renters already here pay a median of $692 (Census 2020–24).
What are property taxes in Spaulding Township?
The median bill is $1,820 a year, 1.55% of the median home value (Michigan: $2,904, 1.25%), from the Census 2020–24.
Neighbors talk housing
What Spaulding Township buyers, sellers and renters are saying.
Home values: Zillow Home Value Index (ZHVI), Zillow Research. Sales, days on market and supply: Redfin Data Center. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. New homes: U.S. Census Bureau, Building Permits Survey. Price trend: Federal Housing Finance Agency House Price Index. Fair Market Rents: U.S. Department of Housing and Urban Development. The calculator is an estimate, not a loan offer. Regional price levels: BEA; electricity: EIA. How TownRatings grades cost of living.