Cost of Living in Saginaw, MI
Overall index: 52 (100 = US national average). Data source: US Census ACS 2023 & BLS OEWS 2025, 2025.
Overall Cost of Living Index
Cost Breakdown by Category
| Category | Index | vs US avg | Sample cost |
|---|---|---|---|
| Housing | 16 | -84% | $636 |
| Transportation | 116 | +16% | $3.50 |
| Food | 50 | -50% | $205 |
| Utilities | 58 | -42% | $29 |
| Healthcare | 58 | -42% | $21 |
Index 100 = US national average. Higher = more expensive.
Cost breakdown (visual)
Salary Calculator: What do you need to earn in Saginaw?
A single adult living comfortably in Saginaw, MI needs approximately $18,200 / year after taxes.
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Frequently Asked Questions
What is the cost of living in Saginaw, MI?
The overall cost of living in Saginaw, MI is 48% lower than the US national average (index: 52 where 100 = national average).
How much is rent in Saginaw, MI?
Average rent for a 1-bedroom apartment in Saginaw, MI is about $636/month.
Is Saginaw, MI expensive to live in?
No, Saginaw, MI is affordable (below national average).
What salary do I need to live in Saginaw, MI?
A single adult needs roughly $18,200/year to cover basic living costs in Saginaw, MI.