States › Texas › Saginaw

Is Saginaw, TX expensive to live in?

CheapRent takes 19 cents of every $1 people earn here.
🏠 Rent per month (2026)$1,6228% lower than U.S. average
💵 Families earn per year (2026)$104,912about $8,743/month · 20% higher than U.S. average
🔑 House price$298,50010% lower than U.S. average

Rent is lower than in 51% of U.S. cities. A typical house costs under 3 years of household income, which is easy by U.S. standards.

How much money do I need?

To rent here comfortably, you should earn about $64,880 a year. That is $31 an hour at a full-time job.

Is rent cheaper than other Texas cities?

No. Rent here is more expensive than in most of Texas. It is number 256 of 426 cities from cheapest to most expensive.

Saginaw
$1,622
Sienna
$2,985
Kingsville
$1,190
University Park
$3,468
Paris
$1,124
Katy
$1,686
Kerrville
$1,287

How much do households earn in Saginaw?

Under $25k
8.5%
$25k–50k
15.1%
$50k–100k
40.1%
$100k–150k
24.1%
$150k+
9.5%

Share of households by yearly income. 33.6% of households earn $100,000 or more.

Rent by apartment size in Saginaw

SizeSaginawU.S. average
1 bedroom$1,189$1,324
2 bedrooms$1,587$1,509
3 bedrooms$2,065$1,698
4 bedrooms$2,644$2,098

Median monthly rent plus utilities for all renters, by number of bedrooms.

How expensive is Saginaw overall?

Everyday prices in Texas overall are 3% below the U.S. average (index 97.1, U.S. = 100).

Housing
97
Goods (food, clothes…)
98
Utilities
88
Other services
97
U.S. average
100

Source: U.S. Bureau of Economic Analysis, Regional Price Parities 2024. City-level data is not published for Saginaw, so the Texas figure is shown.

Taxes and bills in Saginaw

🏛️ Property tax$4,942a year · 1.66% of home value · U.S. $3,119
⚡ Electric bill$203a month (typical) · U.S. $156

Life in Saginaw

Commute to work26.1 minU.S.: 26.4 min
College degree24.7%U.S.: 35.7%
Own their home68.3%U.S.: 65.2%
Below poverty line5.6%U.S.: 12.5%
Unemployment4.6%U.S.: 5.2%

Is it cheaper to rent or buy in Saginaw?

Renting is cheaper right now: about $449 a month less.

Renting
$1,622
Owning
$2,071

Owning assumes a typical $298,500 home, 10% down, a 30-year loan at 6.5% and about 1.5% a year for taxes and insurance. You would also need $29,850 for the down payment.

Frequently asked questions

What is the average rent in Saginaw, TX?

Renting in Saginaw costs a median of about $1,622 a month in 2026, including utilities. The Texas median is $1,451.

How much do I need to make to live in Saginaw?

To keep rent under 30% of income, you need about $64,880 a year, or $31 an hour at a full-time job.

Is Saginaw cheap or expensive?

Saginaw is rated Cheap: rent takes 18.6% of the typical household income of $104,912. It ranks 256th cheapest of 426 Texas cities we track.

How much are property taxes in Saginaw?

The median homeowner in Saginaw pays $4,942 a year in property taxes, about 1.66% of the median home value.

Is Saginaw more expensive than the national average?

Overall prices in Texas are 3% below the U.S. average, according to the U.S. Bureau of Economic Analysis.

How much does a house cost in Saginaw?

The median home value in Saginaw is $298,500, about 2.8 times the typical yearly household income.

24,970 people live in Saginaw. Numbers are typical (middle) values.