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909 N Granger St
C+ Composite 60.05
Why this score? — see what drove the C+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

  • Cash flow +30.0/30.0
  • DSCR +10.0/10.0
  • 1% rule +8.9/10.0
  • Rent growth +3.5/5.0
  • Livability +3.2/5.0
  • Condition / age +2.5/5.0
  • Schools +2.0/10.0
  • ARV discount +0.0/15.0
  • Appreciation +0.0/10.0

$67,500

909 N Granger St · Saginaw, MI 48602
2 bd · 1.0 ba · 919 sqft · SingleFamily public records · 88 Days on market
Built 1884 5,837 sqft lot Est $48k · 41% over

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Welcome to 909 N. Granger in Saginaw! This well-located property offers a great opportunity for homeowners or investors alike. Conveniently situated near local schools, shopping, dining, and major roadways, this home provides easy access to everyday amenities. With solid potential and room to make it your own, this is a great chance to own in an established neighborhood. All brand new carpet and paint. Gorgeous new white eat in kitchen with a large pantry. Full basement with a full bath (needs some plumbing in order to be fully functional) and an extra room. Adorable porch off the front of the house. Roof, furnace and hot water tanks are all less than 5 years old. Schedule your showing today! BATVAI-all information is deemed reliable, measurements are estimate

Key facts

  • Easy access
  • Full basement
  • Adorable porch

Tags

EASY ACCESSESTABLISHED NEIGHBORHOODNEW WHITE EAT IN KITCHENFULL BASEMENTADORABLE PORCHROOF LESS THAN 5 YEARS OLD

Property features AI

Exterior

  • Parking: Detached 2-car garage
  • Utilities: Public water
  • Home design: Single-family residence; Residential property; Built in 1884
  • Construction: Aluminum siding
  • Exterior features: Paved road access; Lot size approximately 0.13 acres

Interior

  • Kitchen: Kitchen (17 x 9)
  • Bedrooms: Primary bedroom (13 x 8); Second bedroom (9 x 8)
  • Bathrooms: Two full bathrooms
  • Heating & cooling: Forced air heating
  • Interior features: Full basement; Six total rooms; Three-season room

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 2-bed/1.0-bath single-family listed at $68k.

Deal economics

  • At list price, monthly cash flow is $264 ($3k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($942 rent vs $68k).
  • Recommended offer: $63k (6.0% below list) — sets the bar for market timing.
  • Cap rate 11.0% vs local median 7.8% in Saginaw — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

  • Location reads 63/100 on livability (#521 in MI) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: crime F, amenities F, commute F.
  • Saginaw School District (urban): math 20% / reading 29% proficiency, ranked #444 of 540 in MI (top 82%) — low school quality limits family demand, transient renter base, plan for 1-2y turnover; 76% free/reduced lunch — lower-income household profile, screen leases tightly.
  • Zoned schools: Thompson Middle School (math 6% / reading 13%, grade F, #479 of 493 statewide, top 97%, 397 students, 93% FRL) — zoned schools average 93% FRL vs 76% district-wide (17 pts higher); higher-poverty schools than district average — tighter screening recommended.
  • Zoned-school proficiency averages 10% at this address vs 24% district-wide (-15 pts) — the specific schools serving this property underperform the Saginaw School District average; the district grade overstates school quality for this exact location.
  • Market conditions: Rents rising (+4.0%/yr); 250 active listings in the ZIP; 154 units permitted in Saginaw County in 2024 (0 in 5+ unit buildings).

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $467 of loan paydown is wiped out by about $2k of value loss. Plan a longer hold.
  • Saginaw County population projected at -25% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
  • At projected returns (-3.0% appreciation + 4.0% rent growth), your $19k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 88 days — a 6% lower offer ($63k) is reasonable based on typical stale-listing flexibility.
  • 7 sale attempts since 9y ago; this cycle's ask has dropped $22k (25%) from the opening price — seller is motivated, your offer sets the floor, not the list.
  • Current owner paid $8k; list at $68k implies a 800% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Watch-outs: built in 1884 — expect roof / HVAC / electrical / plumbing capex.
Recommended offer $63,450 (6.0% below list)

Questions for the listing agent

  1. It's been on market 88 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
  2. Built in 1884 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  5. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
  6. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
  7. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
  8. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
  9. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

1% rule
1.39%
Cap rate
10.99%
Cash-on-cash
16.77%
DSCR
1.75
GRM
6.0

CMA / ARV

ARV (on-the-fly)
$47,788
Comps found
12
Show comp detail 12 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
1520 Durand St 0.30mi 2/1.0 864 (-6%) 12mo $45,000 $52 66
703 N Bond St 0.19mi 2/1.0 1,056 (+15%) 2mo $9,000 $9 65
1608 Congress Ave 0.54mi 3/1.0 (+1) 948 (+3%) 3mo $64,000 $68 62
1312 Ames St 0.48mi 2/1.0 880 (-4%) 11mo $27,500 $31 62
1523 W Genesee St 0.67mi 3/1.0 (+1) 936 (+2%) 3mo $53,500 $57 58
1715 Hancock St 0.69mi 2/1.0 970 (+6%) 1mo $42,500 $44 58
2209 Cooper Ave 0.60mi 3/1.0 (+1) 936 (+2%) 7mo $75,000 $80 58
1719 N Charles St 0.63mi 3/1.0 (+1) 960 (+4%) 1mo $37,000 $39 57
216 N Alexander St 0.70mi 2/1.0 968 (+5%) 10mo $125,000 $129 50
1815 W Genesee 0.71mi 2/1.0 818 (-11%) 1mo $74,000 $90 47
1411 N Clinton St 0.42mi 3/1.0 (+1) 1,055 (+15%) 10mo $40,000 $38 42
2022 Benjamin St 0.74mi 3/1.0 (+1) 1,016 (+11%) 4mo $35,000 $34 39

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 3.98% rent growth · sell at horizon

5-year hold
IRR
9.1%
Equity multiple
1.36×
Total profit
$6,842
Equity at exit
$10,064
10-year hold
IRR
19.1%
Equity multiple
2.67×
Total profit
$31,633
Equity at exit
$5,836

Cash invested: $18,900 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
62 Landlord-Friendly
State Michigan
62 Landlord-Friendly · EVEN
County
— inherits STATE
City
— inherits STATE
7-day pay-or-quit; mixed climate; Detroit/AA have some protections.

ZIP-level market 48602

Home prices YoY
-19.7%
Rents YoY
4.0%
Active inventory
250
Price-to-rent
6.0×

Monthly cashflow live

Estimated rent
$942 medium interval (Pro) →
Mortgage (P&I)
$354
Tax from tax record
$98 /mo · $1,172/yr
Insurance
$28
HOA
$0
Vacancy / Maint / Mgmt
$198
Net cashflow
$264

Break-even live

Break-even rent $607
Max offer price $67,500
Occupancy floor 67%

Sensitivity live

Price -10% $302 -5% $283 +0% $264 +5% $245 +10% $226
Rent -10% $190 -5% $227 +0% $264 +5% $301 +10% $338
Rate -1.0pp $298 -0.5pp $281 base $264 +0.5pp $247 +1.0pp $229

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

Down payment
$16,875
Closing costs
$2,025
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Listing history 45 events

  1. 2026-06-19
    days on market $67,500 Active 88 DOM
  2. 2026-06-18
    days on market $67,500 Active 87 DOM
  3. 2026-06-17
    days on market $67,500 Active 86 DOM
  4. 2026-06-17
    price $67,500 Active 85 DOM
  5. 2026-06-16
    days on market $70,000 Active 85 DOM
  6. 2026-06-15
    days on market $70,000 Active 84 DOM
  7. 2026-06-14
    days on market $70,000 Active 82 DOM
  8. 2026-06-12
    days on market $70,000 Active 81 DOM
  9. 2026-06-09
    days on market $70,000 Active 78 DOM
  10. 2026-06-08
    days on market $70,000 Active 77 DOM
  11. 2026-06-07
    days on market $70,000 Active 76 DOM
  12. 2026-06-05
    days on market $70,000 Active 73 DOM
  13. 2026-06-03
    days on market $70,000 Active 72 DOM
  14. 2026-06-02
    days on market $70,000 Active 71 DOM
  15. 2026-06-01
    days on market $70,000 Active 70 DOM
  16. 2026-05-31
    days on market $70,000 Active 69 DOM
  17. 2026-05-30
    days on market $70,000 Active 68 DOM
  18. 2026-05-23
    price $70,000 770-char remark
    Show marketing remark (770 chars)

    Welcome to 909 N. Granger in Saginaw! This well-located property offers a great opportunity for homeowners or investors alike. Conveniently situated near local schools, shopping, dining, and major roadways, this home provides easy access to everyday amenities. With solid potential and room to make it your own, this is a great chance to own in an established neighborhood. All brand new carpet and paint. Gorgeous new white eat in kitchen with a large pantry. Full basement with a full bath (needs some plumbing in order to be fully functional) and an extra room. Adorable porch off the front of the house. Roof, furnace and hot water tanks are all less than 5 years old. Schedule your showing today! BATVAI-all information is deemed reliable, measurements are estimate

  19. 2026-05-23
    price $70,000 770-char remark
    Show marketing remark (770 chars)

    Welcome to 909 N. Granger in Saginaw! This well-located property offers a great opportunity for homeowners or investors alike. Conveniently situated near local schools, shopping, dining, and major roadways, this home provides easy access to everyday amenities. With solid potential and room to make it your own, this is a great chance to own in an established neighborhood. All brand new carpet and paint. Gorgeous new white eat in kitchen with a large pantry. Full basement with a full bath (needs some plumbing in order to be fully functional) and an extra room. Adorable porch off the front of the house. Roof, furnace and hot water tanks are all less than 5 years old. Schedule your showing today! BATVAI-all information is deemed reliable, measurements are estimate

  20. 2026-05-23
    price $70,000
    Show marketing remark (770 chars)

    Welcome to 909 N. Granger in Saginaw! This well-located property offers a great opportunity for homeowners or investors alike. Conveniently situated near local schools, shopping, dining, and major roadways, this home provides easy access to everyday amenities. With solid potential and room to make it your own, this is a great chance to own in an established neighborhood. All brand new carpet and paint. Gorgeous new white eat in kitchen with a large pantry. Full basement with a full bath (needs some plumbing in order to be fully functional) and an extra room. Adorable porch off the front of the house. Roof, furnace and hot water tanks are all less than 5 years old. Schedule your showing today! BATVAI-all information is deemed reliable, measurements are estimate

  21. 2026-05-22
    price $70,000
  22. 2026-05-22
    price $70,000
  23. 2026-04-17
    price $75,000 770-char remark
    Show marketing remark (770 chars)

    Welcome to 909 N. Granger in Saginaw! This well-located property offers a great opportunity for homeowners or investors alike. Conveniently situated near local schools, shopping, dining, and major roadways, this home provides easy access to everyday amenities. With solid potential and room to make it your own, this is a great chance to own in an established neighborhood. All brand new carpet and paint. Gorgeous new white eat in kitchen with a large pantry. Full basement with a full bath (needs some plumbing in order to be fully functional) and an extra room. Adorable porch off the front of the house. Roof, furnace and hot water tanks are all less than 5 years old. Schedule your showing today! BATVAI-all information is deemed reliable, measurements are estimate

  24. 2026-04-17
    price $75,000 770-char remark
    Show marketing remark (770 chars)

    Welcome to 909 N. Granger in Saginaw! This well-located property offers a great opportunity for homeowners or investors alike. Conveniently situated near local schools, shopping, dining, and major roadways, this home provides easy access to everyday amenities. With solid potential and room to make it your own, this is a great chance to own in an established neighborhood. All brand new carpet and paint. Gorgeous new white eat in kitchen with a large pantry. Full basement with a full bath (needs some plumbing in order to be fully functional) and an extra room. Adorable porch off the front of the house. Roof, furnace and hot water tanks are all less than 5 years old. Schedule your showing today! BATVAI-all information is deemed reliable, measurements are estimate

  25. 2026-04-17
    price $75,000
    Show marketing remark (770 chars)

    Welcome to 909 N. Granger in Saginaw! This well-located property offers a great opportunity for homeowners or investors alike. Conveniently situated near local schools, shopping, dining, and major roadways, this home provides easy access to everyday amenities. With solid potential and room to make it your own, this is a great chance to own in an established neighborhood. All brand new carpet and paint. Gorgeous new white eat in kitchen with a large pantry. Full basement with a full bath (needs some plumbing in order to be fully functional) and an extra room. Adorable porch off the front of the house. Roof, furnace and hot water tanks are all less than 5 years old. Schedule your showing today! BATVAI-all information is deemed reliable, measurements are estimate

  26. 2026-04-17
    price $75,000
    Show marketing remark (770 chars)

    Welcome to 909 N. Granger in Saginaw! This well-located property offers a great opportunity for homeowners or investors alike. Conveniently situated near local schools, shopping, dining, and major roadways, this home provides easy access to everyday amenities. With solid potential and room to make it your own, this is a great chance to own in an established neighborhood. All brand new carpet and paint. Gorgeous new white eat in kitchen with a large pantry. Full basement with a full bath (needs some plumbing in order to be fully functional) and an extra room. Adorable porch off the front of the house. Roof, furnace and hot water tanks are all less than 5 years old. Schedule your showing today! BATVAI-all information is deemed reliable, measurements are estimate

  27. 2026-04-17
    price $75,000
    Show marketing remark (770 chars)

    Welcome to 909 N. Granger in Saginaw! This well-located property offers a great opportunity for homeowners or investors alike. Conveniently situated near local schools, shopping, dining, and major roadways, this home provides easy access to everyday amenities. With solid potential and room to make it your own, this is a great chance to own in an established neighborhood. All brand new carpet and paint. Gorgeous new white eat in kitchen with a large pantry. Full basement with a full bath (needs some plumbing in order to be fully functional) and an extra room. Adorable porch off the front of the house. Roof, furnace and hot water tanks are all less than 5 years old. Schedule your showing today! BATVAI-all information is deemed reliable, measurements are estimate

  28. 2026-03-26
    price $85,400 770-char remark
    Show marketing remark (770 chars)

    Welcome to 909 N. Granger in Saginaw! This well-located property offers a great opportunity for homeowners or investors alike. Conveniently situated near local schools, shopping, dining, and major roadways, this home provides easy access to everyday amenities. With solid potential and room to make it your own, this is a great chance to own in an established neighborhood. All brand new carpet and paint. Gorgeous new white eat in kitchen with a large pantry. Full basement with a full bath (needs some plumbing in order to be fully functional) and an extra room. Adorable porch off the front of the house. Roof, furnace and hot water tanks are all less than 5 years old. Schedule your showing today! BATVAI-all information is deemed reliable, measurements are estimate

  29. 2026-03-26
    price $85,400 770-char remark
    Show marketing remark (770 chars)

    Welcome to 909 N. Granger in Saginaw! This well-located property offers a great opportunity for homeowners or investors alike. Conveniently situated near local schools, shopping, dining, and major roadways, this home provides easy access to everyday amenities. With solid potential and room to make it your own, this is a great chance to own in an established neighborhood. All brand new carpet and paint. Gorgeous new white eat in kitchen with a large pantry. Full basement with a full bath (needs some plumbing in order to be fully functional) and an extra room. Adorable porch off the front of the house. Roof, furnace and hot water tanks are all less than 5 years old. Schedule your showing today! BATVAI-all information is deemed reliable, measurements are estimate

  30. 2026-03-25
    price $85,400
  31. 2026-03-25
    price $85,400
  32. 2026-03-25
    price $85,400
  33. 2026-01-30
    listed $89,500 Active 770-char remark
    Show marketing remark (770 chars)

    Welcome to 909 N. Granger in Saginaw! This well-located property offers a great opportunity for homeowners or investors alike. Conveniently situated near local schools, shopping, dining, and major roadways, this home provides easy access to everyday amenities. With solid potential and room to make it your own, this is a great chance to own in an established neighborhood. All brand new carpet and paint. Gorgeous new white eat in kitchen with a large pantry. Full basement with a full bath (needs some plumbing in order to be fully functional) and an extra room. Adorable porch off the front of the house. Roof, furnace and hot water tanks are all less than 5 years old. Schedule your showing today! BATVAI-all information is deemed reliable, measurements are estimate

  34. 2026-01-30
    listed $89,500 Active 770-char remark
    Show marketing remark (770 chars)

    Welcome to 909 N. Granger in Saginaw! This well-located property offers a great opportunity for homeowners or investors alike. Conveniently situated near local schools, shopping, dining, and major roadways, this home provides easy access to everyday amenities. With solid potential and room to make it your own, this is a great chance to own in an established neighborhood. All brand new carpet and paint. Gorgeous new white eat in kitchen with a large pantry. Full basement with a full bath (needs some plumbing in order to be fully functional) and an extra room. Adorable porch off the front of the house. Roof, furnace and hot water tanks are all less than 5 years old. Schedule your showing today! BATVAI-all information is deemed reliable, measurements are estimate

  35. 2026-01-30
    listed $89,500 Active
    Show marketing remark (770 chars)

    Welcome to 909 N. Granger in Saginaw! This well-located property offers a great opportunity for homeowners or investors alike. Conveniently situated near local schools, shopping, dining, and major roadways, this home provides easy access to everyday amenities. With solid potential and room to make it your own, this is a great chance to own in an established neighborhood. All brand new carpet and paint. Gorgeous new white eat in kitchen with a large pantry. Full basement with a full bath (needs some plumbing in order to be fully functional) and an extra room. Adorable porch off the front of the house. Roof, furnace and hot water tanks are all less than 5 years old. Schedule your showing today! BATVAI-all information is deemed reliable, measurements are estimate

  36. 2026-01-30
    listed $89,500 Active
    Show marketing remark (770 chars)

    Welcome to 909 N. Granger in Saginaw! This well-located property offers a great opportunity for homeowners or investors alike. Conveniently situated near local schools, shopping, dining, and major roadways, this home provides easy access to everyday amenities. With solid potential and room to make it your own, this is a great chance to own in an established neighborhood. All brand new carpet and paint. Gorgeous new white eat in kitchen with a large pantry. Full basement with a full bath (needs some plumbing in order to be fully functional) and an extra room. Adorable porch off the front of the house. Roof, furnace and hot water tanks are all less than 5 years old. Schedule your showing today! BATVAI-all information is deemed reliable, measurements are estimate

  37. 2026-01-30
    listed $89,500 Active
    Show marketing remark (770 chars)

    Welcome to 909 N. Granger in Saginaw! This well-located property offers a great opportunity for homeowners or investors alike. Conveniently situated near local schools, shopping, dining, and major roadways, this home provides easy access to everyday amenities. With solid potential and room to make it your own, this is a great chance to own in an established neighborhood. All brand new carpet and paint. Gorgeous new white eat in kitchen with a large pantry. Full basement with a full bath (needs some plumbing in order to be fully functional) and an extra room. Adorable porch off the front of the house. Roof, furnace and hot water tanks are all less than 5 years old. Schedule your showing today! BATVAI-all information is deemed reliable, measurements are estimate

  38. 2018-06-15
    soldstatus $7,500
  39. 2018-06-15
    soldstatus $7,500 Closed
  40. 2018-04-09
    status Pending
  41. 2018-03-06
    price $9,900
  42. 2018-01-11
    price $10,900
  43. 2017-11-21
    price $13,900
  44. 2017-10-15
    listed $14,900 Active
  45. 2017-10-15
    listed $9,900

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast MI · Partial reset (capped growth)

Current annual tax
$1,172 · $98/mo
Projected year-2 tax
$1,172 · $98/mo
Expected delta
$0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

  • 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
  • 🔥 Wildfire 1/10 Low
  • 🌡 Heat 2/10 Low 7 d/yr ≥100°F today · 14 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$11,299
− Mortgage interest
−$3,781
− Property taxes
−$1,172
− Insurance
−$338
− Repairs & maintenance
−$904
− Management
−$904
− Depreciation
−$1,964
Taxable income
$2,237
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$537
After-tax cash flow
$2,632/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

District
Saginaw School District
NCES district ID
2630390
Math proficiency
20% ▼ -5.00%
Reading proficiency
29% ▼ -3.00%
Median HH income
$28,940
Composite
19.6/100
National rank
#8755
State rank
#444 of 540 in MI

Livability — Saginaw

Score
63/100
State rank
#521
US rank
#15424

Category grades

Amenities F Commute F Cost of living A+ Crime F Employment F Housing A+ Health & safety A+ User ratings F

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Saginaw, MI
County
Saginaw County · 54,884 people
City population
54,884
Metro
Saginaw, MI
Population (ZIP)
27,127
Household income
$46,984
Rent vs Own
35.8% rent · 64.2% own
Severe rent burden
1416.0

Population outlook (Saginaw County) Hauer SSP2

Today (2025)
180,568 people
By 2030
172,302 · -4.6%
By 2040
153,919 · -14.8%
By 2050
135,519 · -24.9%
By 2075
97,199 · -46.2%
By 2100
65,037 · -64.0%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Diverse neighborhood (Simpson 0.64)
Race & ethnicity
White 50% Black 27% Hispanic / Latino 17% Two or more races 12%
Hispanic origin (detail)
Mexican 14% Puerto Rican 1%
Common ancestry
Romanian 4% Lithuanian 3% Italian 2%
Foreign-born
1% · Canada
Languages at home
96% English-only · Spanish 3%

Political lean MEDSL · Saginaw

2024 margin
Toss-up / Even · D 47.7% · R 51.0% · Other 1.4%
2008→2024 swing
-20.6pp toward R · 2008: 17.3pp · 2024: -3.3pp
All cycles
2024: R+3.3 2020: D+0.3 2016: R+1.1 2012: D+11.9 2008: D+17.3

Not yet ingested

Civics

Market trends

HPI YoY
▼ -39.15%
Current HPI
159.8807
Rent YoY
▲ 3.98%
Metro
Saginaw, MI
State GDP YoY
▲ 1.37%
F500 in state
28

Industry mix (Fortune 500 HQ in MI)

Industry F500 HQs Revenue

Price history

+607.1% since first listed
28 events — show timeline
  • 2026-05-23 Price Changed $70,000 MiRealSource-MiMLS
  • 2026-05-23 Price Changed $70,000 MiRealSource-MiMLS
  • 2026-05-23 Price Changed $70,000 REALCOMP
  • 2026-05-22 Price Changed $70,000 SW Michigan MLS
  • 2026-05-22 Price Changed $70,000 REALCOMP
  • 2026-04-17 Price Changed $75,000 MiRealSource-MiMLS
  • 2026-04-17 Price Changed $75,000 MiRealSource-MiMLS
  • 2026-04-17 Price Changed $75,000 REALCOMP
  • 2026-04-17 Price Changed $75,000 SW Michigan MLS
  • 2026-04-17 Price Changed $75,000 REALCOMP
  • 2026-03-26 Price Changed $85,400 MiRealSource-MiMLS
  • 2026-03-26 Price Changed $85,400 MiRealSource-MiMLS
  • 2026-03-25 Price Changed $85,400 REALCOMP
  • 2026-03-25 Price Changed $85,400 SW Michigan MLS
  • 2026-03-25 Price Changed $85,400 REALCOMP
  • 2026-01-30 Listed $89,500 REALCOMP
  • 2026-01-30 Listed $89,500 SW Michigan MLS
  • 2026-01-30 Listed $89,500 REALCOMP
  • 2026-01-30 Listed $89,500 MiRealSource-MiMLS
  • 2026-01-30 Listed $89,500 MiRealSource-MiMLS
  • 2018-06-15 Sold (MLS) $7,500 MiRealSource-MiMLS
  • 2018-06-15 Sold (MLS) $7,500 REALCOMP
  • 2018-04-09 Pending MiRealSource-MiMLS
  • 2018-03-06 Price Changed $9,900 MiRealSource-MiMLS
  • 2018-01-11 Price Changed $10,900 MiRealSource-MiMLS
  • 2017-11-21 Price Changed $13,900 MiRealSource-MiMLS
  • 2017-10-15 Listed $14,900 MiRealSource-MiMLS
  • 2017-10-15 Listed $9,900 REALCOMP

Property tax history

+2.0%/yr

Latest (2025): $1,172 · +661.2% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…