Saginaw, MI
Census ZIP code profile for Saginaw, MI - 7 ZIPs, total population 135,669. Median income, home value, education, commute, and demographics from the U.S. Census Bureau American Community Survey 2023 5-Year Estimates.
U.S. Census Bureau, SimpleMaps US ZIP Code Database, delivery-area ZIP coverage
ACS city ledger plate
Sheet SAGINAW-MI · Saginaw, MI 7 ZIPs · 135,669 pop · #19687/25278 · Saginaw County
INC-MID · RANK-LOWER · BELOW-PEER · BOOK-MID · OWN-MID · POP-MID · SPREAD-WIDE · HOME-LOW
- INC-MID $55,847
- RANK-LOWER #19687/25278
- BELOW-PEER under Brant
- BOOK-MID 7 ZIPs
- OWN-MID 66% owners
- POP-MID 135,669
- SPREAD-WIDE 48607→48609
- HOME-LOW $120,229
Nearest income peer: Brant, MI (+ $7,546 income $)
Instrument codes from this city’s ACS household income, national rank, county-peer gap, ZIP book, owner tenure, population scale, intra-city income spread, and home-value band, not a moving recommendation.
Income neighbourhood around Saginaw
Lowest/highest poles plus county-sharing cities nearest Saginaw on average ZIP median household income. Full ladder: /cities.
- Carrollton · lowest $34,512
Carrollton · lowest
$34,512 median HH income
- Saginaw · this city
Saginaw · this city
$55,847 median HH income
- Brant · near
Brant · near
$63,393 median HH income
- Merrill · near
Merrill · near
$65,865 median HH income
- Saint Charles · near
Saint Charles · near
$66,115 median HH income
- Bridgeport · near
Bridgeport · near
$66,473 median HH income
- Freeland · highest
Freeland · highest
$101,250 median HH income
What this shows County-sharing peers only, not the full US city board. Open a near peer when the gap is small; open the poles when the mosaic is wide.
National city placement
According to ACS 5-Year Estimates, Saginaw, MI sits among US cities with one of the lowest household incomes among US cities, on a mid-size population base, across a compact ZIP cluster.
- 22nd pct
- household income vs 25,278 US cities
- 135,669
- city population (Census)
- 7
- USPS ZIP codes covered
- $55,847
- avg ZIP median income
Income percentile ranks this city's average ZIP median household income against 25,278 US cities with ACS income on at least one ZIP. Scale and ZIP-spread words come from Census population and USPS ZIP coverage.
Lower household-income footing ($55,847 average) with poverty near 22.4% and unemployment 7.5% across 7 ZIPs. Start from the most populated ZIP rather than treating the city mean as a uniform cost of living.
Saginaw sits in the lower half of Saginaw County on income: Freeland, Birch Run and Chesaning report more, and only Carrollton reports less. Freeland marks the far end of that range at $101,250, 81% above Saginaw.
Within-city ZIP comparison
Where the ZIP codes inside Saginaw differ
Saginaw's city average masks two linked splits. Median household income runs from $37,973 in ZIP 48607 to $78,218 in ZIP 48609, while home values span $62,800 in 48601 to $186,800 in 48603. Compare the endpoint ZIPs before treating the city-level number as a neighborhood-level answer.
- Income high-to-low ratio
- 2.1×
- Home-value high-to-low ratio
- 3.0×
- Poverty-rate spread
- 20.3 points
48607 to 48609
48601 to 48603
48609 to 48601
Derived from the published ACS 2023 ZIP-level records shown on this site. A high-to-low ratio compares the highest and lowest available ZIP values; it is not a score or forecast.
Population concentration
Saginaw population is a blend, not a flagship ZIP
Across 7 delivery areas, the densest code 48601 still covers only about 28% of Saginaw's 135,669 residents. The city average is a blend, pick two ZIPs with different incomes before using one number.
Census ZBP business roll-up
Mid-density employers across Saginaw's ZIP mosaic
Citywide ZBP: 2,712 establishments, 57,840 employees , annual payroll $3,232,198k (~20 establishments per 1,000 residents) across 7 of 7 ZIPs. Peak business ZIP 48603 (736 units) ; leading NAICS Health care and social assistance (486) · also Retail trade · Other services (except public administration) .
ZIP Codes in Saginaw, MI
These ZIP codes sit in Saginaw County, which covers 19 ZIP codes in all; 7 of them fall in Saginaw. See the Saginaw County roll-up →
Saginaw sits in the lower half of Saginaw County on income: Freeland, Birch Run and Chesaning report more, and only Carrollton reports less. Freeland marks the far end of that range at $101,250, 81% above Saginaw.
Side-by-side: Compare 48601 vs 48602 →
Saginaw roll-ups here are for informational purposes only and do not constitute financial or relocation advice. ACS and Census ZBP figures are estimates; confirm the current table against Census before a money or move decision involving Saginaw, .