2215 Lincoln Ave · Saginaw, MI 48601

$65,000

3 bd · 1.0 ba · 1,168 sqft · SingleFamily public records · 43 Days on market

Built 1914 10,454 sqft lot

---

Why this score? — see what drove the B- 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 +8.8/10.0
• ARV discount +7.5/15.0
• Livability +3.2/5.0
• Rent growth +2.5/5.0
• Condition / age +2.5/5.0
• Schools +2.0/10.0
• Appreciation +0.0/10.0

Listing remarks MLS

Great opportunity for an owner-occupant or investor! This 3-bedroom, 1-bath home offers 1,168 sq. ft. of living space with a functional layout, enclosed front porch, spacious rooms, updated-looking flooring in several areas, and a detached 1-car garage. The home sits on a deep lot with a fenced side yard and plenty of driveway parking. The kitchen and bath offer a solid footprint for updates, while the exterior provides good curb appeal with a covered front porch and classic bungalow-style charm. Whether you’re looking for a rental, flip, or affordable home to make your own, this property has plenty of potential. - New upper level hard flooring has been installed + 1/4 round trimming throughout the home Freshly painted New more powerful electrical panel installed Electronic digital door handles on the front and back door Alarm system All new smoke alarms installed in throughout the home New water meter installed Furnace recently serviced and in order.

Key facts

• Covered front porch
• Fenced side yard
• Driveway parking

Tags

• ENCLOSED FRONT PORCH
• DETACHED GARAGE
• FENCED SIDE YARD
• DRIVEWAY PARKING
• SOLID FOOTPRINT FOR UPDATES
• COVERED FRONT PORCH

Property features AI

Finance

• Financial info: Annual property tax listed
• HOA & community: Homeowners association present

Exterior

• Parking: Detached 1-car garage
• Utilities: Public water; Public sewer
• Home design: Single-family residence; One-story
• Construction: Vinyl siding
• Exterior features: Lot approximately 0.24 acres; Lot dimensions listed as 10,454

Interior

• Bedrooms: Total of 4 rooms (includes bedrooms and living spaces)
• Bathrooms: 1 full bathroom
• Heating & cooling: Forced air heating (natural gas); No central cooling
• Interior features: Full basement

What this means for you Summary

Snapshot

• This is a 3-bed/1.0-bath single-family listed at $65k.

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 ($900 rent vs $65k).
• Recommended offer: $63k (3.0% below list) — sets the bar for market timing.
• Cap rate 11.2% vs local median 8.3% 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: schools F, crime F, amenities 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.
• Market conditions: 201 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 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 $449 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 + 3.0% rent growth), your $18k cash investment doubles in ~7 years — after that, you're playing with house money.

Negotiation context

• It's been on market 43 days — a 3% lower offer ($63k) is reasonable based on typical stale-listing flexibility.
• 5 sale attempts with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $43k; list at $65k implies a 51% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

• Watch-outs: built in 1914 — expect roof / HVAC / electrical / plumbing capex.

Recommended offer $63,050 (3.0% below list)

Questions for the listing agent

1. It's been on market 43 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Built in 1914 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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?
6. 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.
7. 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.
8. 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: 1.38% ✓
• Cap rate: 11.17%
• Cash-on-cash: 17.40%
• DSCR: 1.77
• GRM: 6.0

CMA / ARV

• ARV (on-the-fly): $36,208
• Comps found: 9

Show comp detail 9 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2409 Wilkins St	0.14mi	2/1.0 (-1)	1,012 (-13%)	1mo	$23,000	$23	66
2300 Thatcher St	0.21mi	3/1.5	1,064 (-9%)	10mo	$57,000	$54	66
1116 Lamson St	0.25mi	4/1.0 (+1)	1,284 (+10%)	6mo	$4,000	$3	62
1222 Hiland St	0.30mi	2/1.0 (-1)	1,092 (-6%)	12mo	$34,100	$31	60
2401 Parkwood Ave	0.73mi	3/1.0	1,180 (+1%)	14mo	$16,001	$14	53
2312 Parkwood Ave	0.75mi	3/1.0	1,176 (+1%)	14mo	$15,000	$13	52
2018 S Jefferson Ave	0.48mi	3/1.0	1,272 (+9%)	14mo	$60,000	$47	51
2527 Prescott Ave	0.69mi	2/1.0 (-1)	1,120 (-4%)	20mo	$65,000	$58	39
2201 Parkwood Ave	0.72mi	3/1.0	1,042 (-11%)	14mo	$60,000	$58	37

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 · 3.0% rent growth · sell at horizon

5-year hold

• IRR: 8.8%
• Equity multiple: 1.35×
• Total profit: $6,290
• Equity at exit: $9,692

10-year hold

• IRR: 18.0%
• Equity multiple: 2.49×
• Total profit: $27,172
• Equity at exit: $5,620

Cash invested: $18,200 (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.

Methodology + full state rankings →

ZIP-level market 48601

• Home prices YoY: -32.1%
• Active inventory: 201
• Price-to-rent: 6.0×

Monthly cashflow live

• Estimated rent: $900 medium
• Mortgage (P&I): −$341
• Tax from tax record: −$79 /mo · $949/yr
• Insurance: −$27
• HOA: −$0
• Vacancy / Maint / Mgmt: −$189
• Net cashflow: $264

Break-even live

Break-even rent $566

Max offer price $65,000

Occupancy floor 66%

Sensitivity live

Price	-10% $301	-5% $282	+0% $264	+5% $246	+10% $227
Rent	-10% $193	-5% $228	+0% $264	+5% $299	+10% $335
Rate	-1.0pp $297	-0.5pp $280	base $264	+0.5pp $247	+1.0pp $230

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: $16,250
• Closing costs: $1,950
• Reserves months: —
• Total cash needed: —

Rent comps 1 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
113 Parkside Ct Saginaw, MI	1.0–3.0	1.0–1.5	808	$900	$1.11	44d	1	1.16mi

Listing history 31 events

1. 2026-06-19
   days on market $65,000 Active 43 DOM
2. 2026-06-18
   days on market $65,000 Active 42 DOM
3. 2026-06-17
   days on market $65,000 Active 41 DOM
4. 2026-06-16
   days on market $65,000 Active 40 DOM
5. 2026-06-15
   days on market $65,000 Active 39 DOM
6. 2026-06-14
   days on market $65,000 Active 37 DOM
7. 2026-06-12
   days on market $65,000 Active 36 DOM
8. 2026-06-09
   days on market $65,000 Active 33 DOM
9. 2026-06-08
   days on market $65,000 Active 32 DOM
10. 2026-06-07
    days on market $65,000 Active 31 DOM
11. 2026-06-05
    days on market $65,000 Active 28 DOM
12. 2026-06-03
    days on market $65,000 Active 27 DOM
13. 2026-06-02
    days on market $65,000 Active 26 DOM
14. 2026-06-01
    days on market $65,000 Active 25 DOM
15. 2026-05-31
    days on market $65,000 Active 24 DOM
16. 2026-05-30
    days on market $65,000 Active 23 DOM
17. 2026-05-18
    price $65,000 971-char remark

    Show marketing remark (971 chars)

    Great opportunity for an owner-occupant or investor! This 3-bedroom, 1-bath home offers 1,168 sq. ft. of living space with a functional layout, enclosed front porch, spacious rooms, updated-looking flooring in several areas, and a detached 1-car garage. The home sits on a deep lot with a fenced side yard and plenty of driveway parking. The kitchen and bath offer a solid footprint for updates, while the exterior provides good curb appeal with a covered front porch and classic bungalow-style charm. Whether you’re looking for a rental, flip, or affordable home to make your own, this property has plenty of potential. - New upper level hard flooring has been installed + 1/4 round trimming throughout the home Freshly painted New more powerful electrical panel installed Electronic digital door handles on the front and back door Alarm system All new smoke alarms installed in throughout the home New water meter installed Furnace recently serviced and in order.

18. 2026-05-18
    price $65,000

    Show marketing remark (971 chars)

    Great opportunity for an owner-occupant or investor! This 3-bedroom, 1-bath home offers 1,168 sq. ft. of living space with a functional layout, enclosed front porch, spacious rooms, updated-looking flooring in several areas, and a detached 1-car garage. The home sits on a deep lot with a fenced side yard and plenty of driveway parking. The kitchen and bath offer a solid footprint for updates, while the exterior provides good curb appeal with a covered front porch and classic bungalow-style charm. Whether you’re looking for a rental, flip, or affordable home to make your own, this property has plenty of potential. - New upper level hard flooring has been installed + 1/4 round trimming throughout the home Freshly painted New more powerful electrical panel installed Electronic digital door handles on the front and back door Alarm system All new smoke alarms installed in throughout the home New water meter installed Furnace recently serviced and in order.

19. 2026-05-12
    price $66,000 971-char remark

    Show marketing remark (971 chars)

    Great opportunity for an owner-occupant or investor! This 3-bedroom, 1-bath home offers 1,168 sq. ft. of living space with a functional layout, enclosed front porch, spacious rooms, updated-looking flooring in several areas, and a detached 1-car garage. The home sits on a deep lot with a fenced side yard and plenty of driveway parking. The kitchen and bath offer a solid footprint for updates, while the exterior provides good curb appeal with a covered front porch and classic bungalow-style charm. Whether you’re looking for a rental, flip, or affordable home to make your own, this property has plenty of potential. - New upper level hard flooring has been installed + 1/4 round trimming throughout the home Freshly painted New more powerful electrical panel installed Electronic digital door handles on the front and back door Alarm system All new smoke alarms installed in throughout the home New water meter installed Furnace recently serviced and in order.

20. 2026-05-11
    price $66,000
21. 2026-05-07
    listed $67,000 Active 971-char remark

    Show marketing remark (971 chars)

    Great opportunity for an owner-occupant or investor! This 3-bedroom, 1-bath home offers 1,168 sq. ft. of living space with a functional layout, enclosed front porch, spacious rooms, updated-looking flooring in several areas, and a detached 1-car garage. The home sits on a deep lot with a fenced side yard and plenty of driveway parking. The kitchen and bath offer a solid footprint for updates, while the exterior provides good curb appeal with a covered front porch and classic bungalow-style charm. Whether you’re looking for a rental, flip, or affordable home to make your own, this property has plenty of potential. - New upper level hard flooring has been installed + 1/4 round trimming throughout the home Freshly painted New more powerful electrical panel installed Electronic digital door handles on the front and back door Alarm system All new smoke alarms installed in throughout the home New water meter installed Furnace recently serviced and in order.

22. 2026-05-07
    listed $67,000 Active

    Show marketing remark (971 chars)

    Great opportunity for an owner-occupant or investor! This 3-bedroom, 1-bath home offers 1,168 sq. ft. of living space with a functional layout, enclosed front porch, spacious rooms, updated-looking flooring in several areas, and a detached 1-car garage. The home sits on a deep lot with a fenced side yard and plenty of driveway parking. The kitchen and bath offer a solid footprint for updates, while the exterior provides good curb appeal with a covered front porch and classic bungalow-style charm. Whether you’re looking for a rental, flip, or affordable home to make your own, this property has plenty of potential. - New upper level hard flooring has been installed + 1/4 round trimming throughout the home Freshly painted New more powerful electrical panel installed Electronic digital door handles on the front and back door Alarm system All new smoke alarms installed in throughout the home New water meter installed Furnace recently serviced and in order.

23. 2026-01-30
    soldstatus $43,000 Closed 1530-char remark

    Show marketing remark (1530 chars)

    Opportunity knocks at 2215 Lincoln for buyers looking to bring vision, sweat equity, and creativity to a solid home with generous space and classic bones. This property offers a flexible layout with oversized rooms, abundant natural light, and a footprint that lends itself well to modernization while preserving its original character. If you're looking for a project with real upside, this one delivers the canvas. Inside, you'll find a spacious living room with large windows, an adjacent dining area, and a sizable kitchen with extensive cabinetry and workspace ready for reimagining. Three bedrooms offer comfortable proportions, one full bathroom, built-in storage, and ceiling fans, while the overall layout allows for reconfiguration to suit modern living. The home features a mix of paneling, vintage finishes, and flooring that clearly reflects its era perfect for buyers who see potential rather than problems. Additional highlights include a detached garage/workshop space ideal for storage, hobbies, or projects, along with extra utility areas that add function and flexibility. The property sits on a manageable lot with room to improve curb appeal and outdoor use. Whether you're an investor, renovator, or owner-occupant ready to build equity, this home presents a strong foundation and plenty of room to add value. Bring your ideas, your contractor, and your imagination properties with this much space and potential don't come around often. Schedule your showing today and explore what 2215 Lincoln could become.

24. 2026-01-30
    soldstatus $43,000 Sold

    Show marketing remark (1530 chars)

    Opportunity knocks at 2215 Lincoln for buyers looking to bring vision, sweat equity, and creativity to a solid home with generous space and classic bones. This property offers a flexible layout with oversized rooms, abundant natural light, and a footprint that lends itself well to modernization while preserving its original character. If you're looking for a project with real upside, this one delivers the canvas. Inside, you'll find a spacious living room with large windows, an adjacent dining area, and a sizable kitchen with extensive cabinetry and workspace ready for reimagining. Three bedrooms offer comfortable proportions, one full bathroom, built-in storage, and ceiling fans, while the overall layout allows for reconfiguration to suit modern living. The home features a mix of paneling, vintage finishes, and flooring that clearly reflects its era perfect for buyers who see potential rather than problems. Additional highlights include a detached garage/workshop space ideal for storage, hobbies, or projects, along with extra utility areas that add function and flexibility. The property sits on a manageable lot with room to improve curb appeal and outdoor use. Whether you're an investor, renovator, or owner-occupant ready to build equity, this home presents a strong foundation and plenty of room to add value. Bring your ideas, your contractor, and your imagination properties with this much space and potential don't come around often. Schedule your showing today and explore what 2215 Lincoln could become.

25. 2026-01-30
    soldstatus $43,000 Closed

    Show marketing remark (1530 chars)

    Opportunity knocks at 2215 Lincoln for buyers looking to bring vision, sweat equity, and creativity to a solid home with generous space and classic bones. This property offers a flexible layout with oversized rooms, abundant natural light, and a footprint that lends itself well to modernization while preserving its original character. If you're looking for a project with real upside, this one delivers the canvas. Inside, you'll find a spacious living room with large windows, an adjacent dining area, and a sizable kitchen with extensive cabinetry and workspace ready for reimagining. Three bedrooms offer comfortable proportions, one full bathroom, built-in storage, and ceiling fans, while the overall layout allows for reconfiguration to suit modern living. The home features a mix of paneling, vintage finishes, and flooring that clearly reflects its era perfect for buyers who see potential rather than problems. Additional highlights include a detached garage/workshop space ideal for storage, hobbies, or projects, along with extra utility areas that add function and flexibility. The property sits on a manageable lot with room to improve curb appeal and outdoor use. Whether you're an investor, renovator, or owner-occupant ready to build equity, this home presents a strong foundation and plenty of room to add value. Bring your ideas, your contractor, and your imagination properties with this much space and potential don't come around often. Schedule your showing today and explore what 2215 Lincoln could become.

26. 2026-01-26
    status Pending

    Show marketing remark (1530 chars)

    Opportunity knocks at 2215 Lincoln for buyers looking to bring vision, sweat equity, and creativity to a solid home with generous space and classic bones. This property offers a flexible layout with oversized rooms, abundant natural light, and a footprint that lends itself well to modernization while preserving its original character. If you're looking for a project with real upside, this one delivers the canvas. Inside, you'll find a spacious living room with large windows, an adjacent dining area, and a sizable kitchen with extensive cabinetry and workspace ready for reimagining. Three bedrooms offer comfortable proportions, one full bathroom, built-in storage, and ceiling fans, while the overall layout allows for reconfiguration to suit modern living. The home features a mix of paneling, vintage finishes, and flooring that clearly reflects its era perfect for buyers who see potential rather than problems. Additional highlights include a detached garage/workshop space ideal for storage, hobbies, or projects, along with extra utility areas that add function and flexibility. The property sits on a manageable lot with room to improve curb appeal and outdoor use. Whether you're an investor, renovator, or owner-occupant ready to build equity, this home presents a strong foundation and plenty of room to add value. Bring your ideas, your contractor, and your imagination properties with this much space and potential don't come around often. Schedule your showing today and explore what 2215 Lincoln could become.

27. 2026-01-26
    status Pending 1530-char remark

    Show marketing remark (1530 chars)

    Opportunity knocks at 2215 Lincoln for buyers looking to bring vision, sweat equity, and creativity to a solid home with generous space and classic bones. This property offers a flexible layout with oversized rooms, abundant natural light, and a footprint that lends itself well to modernization while preserving its original character. If you're looking for a project with real upside, this one delivers the canvas. Inside, you'll find a spacious living room with large windows, an adjacent dining area, and a sizable kitchen with extensive cabinetry and workspace ready for reimagining. Three bedrooms offer comfortable proportions, one full bathroom, built-in storage, and ceiling fans, while the overall layout allows for reconfiguration to suit modern living. The home features a mix of paneling, vintage finishes, and flooring that clearly reflects its era perfect for buyers who see potential rather than problems. Additional highlights include a detached garage/workshop space ideal for storage, hobbies, or projects, along with extra utility areas that add function and flexibility. The property sits on a manageable lot with room to improve curb appeal and outdoor use. Whether you're an investor, renovator, or owner-occupant ready to build equity, this home presents a strong foundation and plenty of room to add value. Bring your ideas, your contractor, and your imagination properties with this much space and potential don't come around often. Schedule your showing today and explore what 2215 Lincoln could become.

28. 2026-01-26
    status Pending

    Show marketing remark (1530 chars)

    Opportunity knocks at 2215 Lincoln for buyers looking to bring vision, sweat equity, and creativity to a solid home with generous space and classic bones. This property offers a flexible layout with oversized rooms, abundant natural light, and a footprint that lends itself well to modernization while preserving its original character. If you're looking for a project with real upside, this one delivers the canvas. Inside, you'll find a spacious living room with large windows, an adjacent dining area, and a sizable kitchen with extensive cabinetry and workspace ready for reimagining. Three bedrooms offer comfortable proportions, one full bathroom, built-in storage, and ceiling fans, while the overall layout allows for reconfiguration to suit modern living. The home features a mix of paneling, vintage finishes, and flooring that clearly reflects its era perfect for buyers who see potential rather than problems. Additional highlights include a detached garage/workshop space ideal for storage, hobbies, or projects, along with extra utility areas that add function and flexibility. The property sits on a manageable lot with room to improve curb appeal and outdoor use. Whether you're an investor, renovator, or owner-occupant ready to build equity, this home presents a strong foundation and plenty of room to add value. Bring your ideas, your contractor, and your imagination properties with this much space and potential don't come around often. Schedule your showing today and explore what 2215 Lincoln could become.

29. 2026-01-20
    listed $39,900 Active 1530-char remark

    Show marketing remark (1530 chars)

    Opportunity knocks at 2215 Lincoln for buyers looking to bring vision, sweat equity, and creativity to a solid home with generous space and classic bones. This property offers a flexible layout with oversized rooms, abundant natural light, and a footprint that lends itself well to modernization while preserving its original character. If you're looking for a project with real upside, this one delivers the canvas. Inside, you'll find a spacious living room with large windows, an adjacent dining area, and a sizable kitchen with extensive cabinetry and workspace ready for reimagining. Three bedrooms offer comfortable proportions, one full bathroom, built-in storage, and ceiling fans, while the overall layout allows for reconfiguration to suit modern living. The home features a mix of paneling, vintage finishes, and flooring that clearly reflects its era perfect for buyers who see potential rather than problems. Additional highlights include a detached garage/workshop space ideal for storage, hobbies, or projects, along with extra utility areas that add function and flexibility. The property sits on a manageable lot with room to improve curb appeal and outdoor use. Whether you're an investor, renovator, or owner-occupant ready to build equity, this home presents a strong foundation and plenty of room to add value. Bring your ideas, your contractor, and your imagination properties with this much space and potential don't come around often. Schedule your showing today and explore what 2215 Lincoln could become.

30. 2026-01-16
    listed $39,900 Active
31. 2026-01-16
    listed $39,900 Active

ⓘ 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: $949 · $79/mo
• Projected year-2 tax: $975 · $81/mo
• Expected delta: +$26/yr (+$2/mo · 2.7%)

ⓘ 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

Taxation est. · year 1

• Rental income: $10,800
• − Mortgage interest: −$3,641
• − Property taxes: −$949
• − Insurance: −$325
• − Repairs & maintenance: −$864
• − Management: −$864
• − Depreciation: −$1,891
• Taxable income: $2,266
• Est. tax owed @ 24.0%: −$544
• After-tax cash flow: $2,623/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
• City population: 54,884
• Population (ZIP): 32,069

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 0.56)
• Race & ethnicity: Black 59% White 27% Hispanic / Latino 12% Two or more races 5%
• Hispanic origin (detail): Mexican 10%
• Common ancestry: Romanian 2% Lithuanian 2%
• Foreign-born: 1% · Canada
• Languages at home: 96% English-only · Spanish 4%

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: ▼ -93.46%
• Current HPI: 197.3359
• Rent YoY: —
• Metro: —
• State GDP YoY: ▲ 1.37%
• F500 in state: 28

Industry mix (Fortune 500 HQ in MI)

Industry	F500 HQs	Revenue
▸Automotive Parts	3	$48B
▸Automotive	2	$372B
▸Chemicals	1	$45B
▸Automotive Retail	1	$29B
▸Healthcare / Medical Devices	1	$23B
▸Automotive Technology	1	$20B

Price history

+62.9% since first listed

15 events — show timeline

• 2026-05-18 Price Changed $65,000 MiRealSource-MiMLS
• 2026-05-18 Price Changed $65,000 REALCOMP
• 2026-05-12 Price Changed $66,000 MiRealSource-MiMLS
• 2026-05-11 Price Changed $66,000 REALCOMP
• 2026-05-07 Listed $67,000 REALCOMP
• 2026-05-07 Listed $67,000 MiRealSource-MiMLS
• 2026-01-30 Sold (MLS) $43,000 MiRealSource-MiMLS
• 2026-01-30 Sold (MLS) $43,000 SW Michigan MLS
• 2026-01-30 Sold (MLS) $43,000 REALCOMP
• 2026-01-26 Pending — MiRealSource-MiMLS
• 2026-01-26 Pending — REALCOMP
• 2026-01-26 Pending — SW Michigan MLS
• 2026-01-20 Listed $39,900 REALCOMP
• 2026-01-16 Listed $39,900 MiRealSource-MiMLS
• 2026-01-16 Listed $39,900 SW Michigan MLS

Property tax history

+8.1%/yr

Latest (2025): $949 · -22.0% YoY. Source: county tax records.