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Michigan›Saginaw County

Swan Creek TownshipMI

A town of 2,409.

Is Swan Creek Township a good place to live?

Swan Creek Township’s best subject grades are an A− for schools and the outdoors; its weakest is a C for walkability. 30% of the land in Swan Creek Township is conserved, where Michigan’s towns sit at 4.4% and U.S. towns at 4.3%. The biggest place to walk is Shiawassee River State Game Area, 4,023 acres with 5.3 miles of trail. Swan Creek Township has fewer than 2,500 residents, so it gets subject grades but no overall grade.

What makes Swan Creek Township stand out

Where Swan Creek Township beats most towns.

A commuter town

97% of working residents leave Swan Creek Township for work

Where Swan Creek Township’s working residents go each day. Line width shows the share.

19% → Saginaw Saginaw 19% 10% → Saginaw Township Saginaw Township 10% 6% → Midland Midland 6% 3% → St. Charles Township St. Charles Township 3% 3% → Thomas Township Thomas Township 3% 3% → Buena Vista Township Buena Vista Township 3% Swan Creek Township · 3% stay
436jobs based in Swan Creek Township
3%of working residents work in town
14 mimedian commute distance

Census LEHD 2021

How Swan Creek Township grades

Each subject compared with towns across the country (schools within Michigan), ordered by how far Swan Creek Township is from typical.

How grading works

Character Graded, but not part of the overall grade.
Described, not graded Taste, not quality: snow or an older crowd is neither good nor bad.

How TownRatings grades towns →

Getting set up

Moving to Swan Creek Township: who provides what

Who provides power, water and the rest in Swan Creek Township, and how to reach them.

The full setup list →
PowerConsumers Energy20.7¢/kWh · EIA 2025HIFLD · EIA
WaterSwan Creek Township water systemNo health-based violations in 5 years · EPAEPA
Internet5 providers89% of addresses get 100/20 MbpsFCC
Trash & dumpNot on file yetWe don’t have Swan Creek Township’s trash rules yet
SchoolsSt. Charles Community SchoolsSwan Valley School District2 districts serve Swan Creek Township; which school depends on your address and gradeNCES
Register to voteOnlineIn Michigan you can register online until 15 days before Election Day, in person up to and including Election Day, or by mail (postmarked 15 days before).vote.gov
Who runs elections hereSwan Creek Township ClerkThe town itself; contacts on the Handbook page.FVAP, Nov 2025
ZIP codes48609, 48655, 4862648609 51% · 48655 45% · 48626 4%Census 2020

EPA SDWIS (Oct 9, 2026) · HIFLD + EIA-861 2025 · Census 2020 ZCTAs · NCES 2024–25 · registration: vote.gov, updated Sep 12, 2025.

The data

Ordered by what stands out in Swan Creek Township.

OutdoorsA−

Swan Creek Township has set aside nearly a quarter of its land for conservation

In 3 parks and preserves, walkers have 8.9 miles of trail. Swan Creek Township’s trail network density stands at 0.4 miles per square mile, against 0.3 in Michigan’s towns and 0.4 across U.S. towns.

29.6%conserved
29.6%
conserved · 4,476 of 15,138 acres
8.9 mi
of trails · 0.4 per sq mi
Biggest places to walkTrailsAcres
1. Shiawassee River State Game Area5.3 mi4,023
2. Hartley Outdoor Recreation Center0.4 mi150
3. Lakefield Park—35

Trails & parks © OpenStreetMap contributors · Conserved land: USGS PAD-US

Work & commuteJobs & income grade B−

Most of Swan Creek Township’s workers commute out: the town has 0.5 jobs for each of them

The mean commuting time in Swan Creek Township is 30 minutes. Most working residents leave Swan Creek Township for work: only 3% work in town. Jobs based in Swan Creek Township grew to 436 in 2021, 192 more than in 2011. The top destinations are Saginaw (19%), Saginaw Township (10%) and Midland (6%).

3%work in town
Swan Creek TownshipMichigan townsU.S. towns
Average trip to work30 minutes25 minutes25 minutes
Working residents who work in town2.9%5.9%8%
Below the poverty line7%8.9%9.6%
Median household income$73,000$77,000$80,000

Where working residents work

In Swan Creek Township3%
Saginaw19%
Saginaw Township10%
Midland6%
St. Charles Township3%
14 mi
median commute distance
436
jobs based in Swan Creek Township
A commuter town
jobs vs. working residents
C
Walkability grade: more walkable than 26% of U.S. towns

Census LEHD 2021 · ACS

Climate

Swan Creek Township: snowy winters and pleasant summers

Summer afternoons peak near 83° in July, and January nights bottom out around 16°; snowfall runs to about 41 inches a winter.

41″snow a winter

Typical low → high °F

Winter18–33°
Spring36–57°
Summer59–81°
Fall41–60°
Oct 21
typical first frost
Apr 29
typical last frost
+1.8°
vs. the 20th-century average

NOAA U.S. Climate Normals, 1991–2020

HealthC+

On CDC estimates, Swan Creek Township is less healthy than 56% of U.S. towns

In Swan Creek Township, a third of adults sleep under 7 hours. On the CDC’s 32 measures, Swan Creek Township is ahead of Michigan on 3 and behind on 4. 15% of adults in Swan Creek Township report frequent physical distress; 15% binge drink.

44%healthier than U.S. townsC+Health Grade
Swan Creek TownshipMichigan townsU.S. towns
High blood pressure (CDC PLACES)39%36%35%
Frequent physical distress (CDC PLACES)15%14%14%
Binge drink (CDC PLACES)15%17%16%
Yearly checkup (CDC PLACES)81%80%79%
32 measures vs. Michigan
3 better25 too close to call4 worse
What stands outSwan Creek TownshipMI
Fewer adults facing housing insecurity9.5%11.9%
Fewer adults facing a utility shut-off7.2%8.7%
More adults who have had cancer10.9%8.9%
Healthsource Saginaw
8.3 mi away · emergency room
3 of 3
care shortages: primary care, dental, mental health

CDC PLACES 2025 · modeled estimates for adults · CMS · HRSA

Natural hazardsHazard risk grade C+

Moderate risk in Swan Creek Township, with inland flooding at the top

For Swan Creek Township, the natural-hazard score from FEMA is 53 of 100. Expected losses in Swan Creek Township break down as 60% from inland flooding and 16% from cold waves. Paid flood insurance claims locally since 2013: 2.

53risk score of 100
FEMA risk score
53Moderate riskLowerHigher
Inland floodingCold wavesTornadoes
2
paid flood claims since 2013

FEMA flood insurance claims · FEMA National Risk Index · OpenFEMA

Nearby attractions

USS Edson and 14 more within 40 miles

Museums, parks, gardens and other places to visit around Swan Creek Township. Close and well known come first.

All 23 attractions →
Sources: National Park Service · ski areas © OpenSkiMap / OpenStreetMap contributors · Wikidata · Wikipedia readership · photos via Wikimedia Commons
Photo credits

USS Edson: U.S. Navy, Public domain · Dow Gardens: Chris.Schiemann, CC BY-SA 4.0 · Sloan Museum: Amancour, CC BY-SA 4.0 · Chippewa Nature Center: Christian Collins, CC BY-SA 2.0 · Saginaw Valley Naval Ship Museum: John McCullough, CC BY-SA 2.5

Keep exploring

Everything we know about Swan Creek Township

17pages on Swan Creek Township
After high school

Colleges nearby

1 within 15 miles of the center of Swan Creek Township

About Swan Creek Township

Civil township in Michigan, United States

Swan Creek Township is a civil township of Saginaw County in the U.S. state of Michigan. The population was 2,416 at the 2020 Census.

From Wikipedia, licensed CC BY-SA 4.0 · facts via Wikidata (CC0)

Area
24 sq mi
Elevation
587 ft

Swan Creek Township’s neighbors

5 towns share a border with Swan Creek Township.

Explore the map →
How the neighbors grade
TownMI rankOverallCostSafetySchoolsHealth
Swan Creek Township——C+—A−C+
St. Charles Township#341BA−—BC+
Thomas Township#401B−C+B−A−B
Fremont Township——C—B+B−
James Township——B−—AB−
St. Charles——B+B−BC+

Swan Creek Township, Fremont Township, James Township and St. Charles have fewer than 2,500 residents, so they get subject grades but no overall grade. Swan Creek Township, St. Charles Township, Fremont Township and James Township report no FBI crime data of their own. Compare Swan Creek Township with a neighbor →

Questions about Swan Creek Township

Short answers, built from the data on this page.

Is Swan Creek Township, MI expensive?

Cost of living, which also weighs rents, property taxes and how many households pay 30% or more of their income for housing, grades C+.