Cost of Living in Saginaw, TX
Population 24,467 · Texas · Data vintage 2023
(100 = US avg)
Under 25,000 residents gives Saginaw a small-town character that shows up in every data point below — from the commute patterns to the rental inventory. A typical home runs $270,000.
Saginaw sits roughly 6 miles north of Fort Worth — close enough that regional housing and labor patterns are shaped largely by the larger market. Housing prices track closely with Fort Worth's $277,000 median.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in Saginaw
The median home value in Saginaw is $270,300 — 11% below the national median of $305,000. Median rent runs $1,700/month, 29% higher than the national median of $1,314/month. The median household income of $98,003/year is 31% higher than the US median of $74,580. The local unemployment rate is 4.0%, below the national average of 4.8%. Texas charges no state income tax, a meaningful advantage for take-home pay. The climate averages highs of 76.4°F and lows of 55.3°F. Overall, Saginaw has a cost of living index of 105 versus the US average of 100, meaning it is 5% more expensive.
🏠 Housing
HUD Fair Market Rents by Bedroom
💰 Estimated Monthly Budget
Estimates based on median data and national averages. Actual costs vary.
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
🌤 Climate
NOAA 1991–2020 Climate Normals
| Month | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| High °F | 56 | 61 | 68 | 76 | 84 | 92 | 96 | 96 | 88 | 78 | 66 | 58 |
| Low °F | 35 | 39 | 47 | 54 | 63 | 71 | 75 | 75 | 67 | 56 | 45 | 37 |
| Precip" | 2.05 | 2.41 | 3.16 | 3.06 | 4.02 | 4.02 | 2.18 | 2.23 | 2.59 | 4.46 | 2.52 | 2.64 |
💨 Air Quality
EPA AQS 2023 — county-level monitoring data
Frequently Asked Questions
What is the cost of living in Saginaw, TX?
Saginaw has a cost index of 105 (100 = national average). It is 5% above the national average.
What is average rent in Saginaw, TX?
The median gross rent in Saginaw is $1,700 per month based on 2023 Census data.
What is the average home price in Saginaw?
The median home value in Saginaw is $270,300 according to Zillow and Census data.
What is the median income in Saginaw?
The median household income in Saginaw is $98,003 per year (2023 ACS 5-year estimates).
What is the sales tax in Saginaw, TX?
The combined state and local sales tax rate in Saginaw is 8.2%. Texas has no state income tax.
Is Saginaw, TX affordable?
Saginaw is near the national average in terms of cost of living, with an index of 105 (100 = US average).
What is the weather like in Saginaw?
Saginaw has average high temperatures of 76.4°F and average lows of 55.3°F. Annual precipitation is 35.3". Data from NOAA 1991–2020 Climate Normals.
Saginaw at a Glance
- Population
- 24,467
- Median Income
- $98,003
- Home Value
- $270,300
- Median Rent
- $1,700/mo
- Unemployment
- 4.0%
- Avg High Temp
- 76.4°F
- Sales Tax
- 8.2%
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