HomeMichiganSaginaw CountySaginaw city
Saginaw city, Michigan: commercial real estate data.
Saginaw city is a Census city of 43,536 people across 17.10 square miles of land, in Saginaw County. Median household income is $38,579, 60.0 percent of occupied homes are owned, and the SBA record carries 192 7(a) approvals to borrowers here worth $67.5 m.
83 sourced place values · tier FULL · 9 sections
Saginaw
What Saginaw is
- Census place typecity
- Land area17.1 sq mi
- Water area0.71 sq mi
- Population per square mile of land2,547
- County holding the largest share of its areaSaginaw County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Saginaw
How many people live in Saginaw
- Population43,536
- Median age35.5
- Population under 1811,124
- Share under 1825.6 percent
- Population 65 and over6,488
- Share 65 and over14.9 percent
- Households17,789
- Family households9,526
- Share of households that are families53.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Saginaw
Income and work in Saginaw
- Median household income$38,579
- Per capita income$21,177
- Civilian labor force18,729
- Employed16,829
- Unemployed1,900 plus or minus 413
- Unemployment rate10.1 percent plus or minus 2.2
- Adults 25 and over28,738
- Adults 25 and over with a high school diploma or higher85.2 percent
- Adults 25 and over with a bachelor degree or higher13.3 percent
- Adults 25 and over with a graduate degree3.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Saginaw
Housing in Saginaw
- Housing units21,063
- Occupied units17,789
- Vacant units3,274
- Vacancy rate15.5 percent
- Owner occupied10,678
- Renter occupied7,111
- Ownership rate60.0 percent
- Median owner-occupied home value$60,000
- Median gross rent, monthly$922
- Annual rent as a share of median income28.7 percent
- Single family units16,869
- Share single family80.1 percent
- Units in buildings of two or more4,141
- Share in buildings of two or more19.7 percent
- Mobile homes53 plus or minus 45
- Median year structure built1949
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Saginaw
How Saginaw gets to work
- Workers 16 and over who commute15,149
- Commuting under 15 minutes6,780
- Share commuting under 15 minutes44.8 percent
- Commuting 30 minutes or more2,861
- Share commuting 30 minutes or more18.9 percent
- Drove alone73.4 percent
- Carpooled14.8 percent
- Public transport0.7 percent plus or minus 0.4
- Walked2.4 percent plus or minus 0.9
- Worked from home7.7 percent plus or minus 1.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Saginaw
SBA 7(a) lending to Saginaw borrowers
- Approvals192
- Gross approval$67,457,300
- Average approval$351,340
- Median approval$100,000
- Ninetieth percentile approval$975,000
- Largest approval$4,800,000
- Jobs supported1,633
- Jobs per approval8.5
- Loans with a final outcome35
- Paid in full34
- Charged off1
- Charge-off rate over resolved loans2.9 percent
- Median term120 months
- Share on real estate terms of 20 years or more16.7 percent
- Share to franchises7.3 percent
- Distinct lenders31
- Distinct industries by NAICS87
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Saginaw
SBA 504 lending to Saginaw borrowers
- Approvals33
- Gross approval$20,617,000
- Average approval$624,758
- Median approval$436,000
- Largest approval$3,141,000
- Jobs supported697
- Loans with a final outcome15
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- Median term240 months
- Distinct CDCs4
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Saginaw
Flood programme status in Saginaw
- Listed NFIP communities2
- Of those, participating2
- Best Community Rating System classClass 7
- NFIP community number260189
- Currently effective map date08/15/23
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Saginaw County, not Saginaw
Saginaw County context, not Saginaw figures
These are Saginaw County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Saginaw measurements.
- Establishments in Saginaw County4,092
- Employment at those establishments, Saginaw County77,361
- Covered employment, Saginaw County79,478
- Average annual pay, Saginaw County$58,049
- Average weekly wage, Saginaw County$1,116
- Housing units permitted, Saginaw County141
- Of those, single family, Saginaw County121
- County product, 2024, Saginaw County$11,009,590,000
- County product change over the prior year, Saginaw County1.6 percent
- Average income of an arriving household, Saginaw County$49,958
Every figure in this section is published for Saginaw County as a whole and is not a measurement of Saginaw. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Saginaw questions, answered from the record.
How many people live in Saginaw, Michigan?
43,536, in 17,789 households. Saginaw city covers 17.10 square miles of land, which is 2,547 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Saginaw in?
Saginaw County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Saginaw?
$38,579. The median owner-occupied home is valued at $60,000. Median gross rent is $922 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Saginaw businesses?
192 7(a) approvals totalling $67.5 m, across 31 lenders, median approval $100,000, plus 33 504 approvals worth $20.6 m. These count approvals to borrowers whose address is in Saginaw, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Saginaw borrowers get paid back?
Of the 35 loans that have reached a final outcome, 34 were paid in full and 1 charged off, a charge off rate of 2.9 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is Saginaw in the National Flood Insurance Program?
Yes. Saginaw appears in the FEMA Community Status Book as community 260189, carrying Community Rating System class 7, which is a premium discount for exceeding the programme minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Saginaw figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Saginaw County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Saginaw.
Is zoning published for Saginaw?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.