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Place dossier plate
SheetTX-SAGINAW-TX · Saginaw, TX 24,467 pop · income 77th pct
Instrument codes from this place’s ACS population and household income, BEA state COL, FBI safety, national income percentile, photo-finish peer city, home-value band, and matched Census-tract book - not a moving recommendation.
Income neighbourhood around Saginaw
Lowest/highest poles plus peers nearest Saginaw on median household income. Full ladder: /browse and /rankings.
median HH income
San Benito · lowest
41,445
San Benito · lowest
41,445 median HH income
29.5% of the leader · rank #1
Fenton · near
97,991
Fenton · near
97,991 median HH income
69.8% of the leader · rank #2
Palermo · near
98,000
Palermo · near
98,000 median HH income
69.8% of the leader · rank #3
McConnellstown · near
98,000
McConnellstown · near
98,000 median HH income
69.8% of the leader · rank #4
Saginaw · this city
98,003
Saginaw · this city
98,003 median HH income
69.8% of the leader · rank #5
Watertown · near
98,003
Watertown · near
98,003 median HH income
69.8% of the leader · rank #6
Decatur · highest
140,480
Decatur · highest
140,480 median HH income
100.0% of the leader · rank #7
What this shows Neighbourhood peers only - not a full nationwide city board. Open a near peer when the gap is small; open the poles when the spread is wide.
Compare beyond this state
Nationwide peers by population, income, and FBI crime rate
Out-of-state nearest neighbors for Saginaw on ACS population and median household income
, plus FBI UCR reporting rate when the extract covers this place. Link sets are deduped so each column is a distinct comparison path, not a forecast that peers share a labor market or climate.
Similar population
Nearest out-of-state cities by ACS population. This city: 24,467.
Agency-reported UCR totals per 100,000 population, not a neighborhood safety grade or a prediction of personal risk.
Saginaw - the verdict
Nationally, Saginaw sits in the 77th percentile for household income and the 42nd percentile for safety among US cities with a population of 1,000 or more. Source: Census ACS + FBI UCR.
77th
percentile, household income
60th
percentile, home value
40th
percentile, median rent
42nd
percentile, safety
📝 How we sourced this
Population, income, and housing-cost figures come from the U.S. Census Bureau American Community Survey 5-year estimates (B-series tables). Crime data uses FBI UCR; climate uses NOAA Climate Normals; school counts come from NCES Common Core of Data; permits use the Census Building Permits Survey (BPS). See our methodology page for the full ETL pipeline and OMB / FIPS join keys.
Data Snapshot: Saginaw, TX
Texas's Saginaw is a small city, with 24,467 residents per the latest Census Bureau ACS figures. Saginaw households earn a median of $98,003 annually, placing it in the top quartile of U.S. cities for household income, with a poverty rate of 1.7%. Typical homes in Saginaw are valued around $270,300, and the median resident age is 36.8 years. About 25.9% of adults hold a bachelor's degree or higher, while 66.7% of working-age residents are in the labor force.
The Census Building Permit Survey recorded 339 residential units authorized here in 2024 (Rapid Growth), up 28% from five years earlier. Saginaw reports a comparatively low crime rate: FBI UCR figures show 1637.0 crimes per 100,000 residents, below the national average (reporting is voluntary across agencies, so treat this as reporting activity rather than a definitive danger score).
Texas tracks close to the national cost-of-living baseline: BEA Regional Price Parities 2024 puts Texas at 97.1 on a 100-equals-national-average scale (Near Average). A typical two-bedroom carries a HUD Fair Market Rent of $1,149 per month statewide. Statewide, average monthly utility bills in Texas run around $223, per EIA 2023 residential energy data. Natural-hazard exposure scores 49.0 out of 100 on FEMA's National Risk Index (Low).
A decision-led reading path
Useful questions to ask of Saginaw's data
How this reading path is ordered
This is not a composite city score. It is a city-specific route through the available public records, ordered for this profile so the page starts with questions the joined data can actually answer. The route here runs from work and mobility to population change to comparison shortlist to schools and households to housing and income to reported crime; another city can have a different sequence or fewer supported layers because the source joins are not uniform.
For Saginaw, city-specific coverage includes matched public-school count, annual population history, FBI reported-crime rates, commute-mode shares, local building permits.
No matched row is reported here for within-city Census tract profiles; the page leaves those layers out instead of substituting a statewide or national value.
Question 1
What does the journey to work look like in Saginaw?
Driving alone is the largest reported mode at 82.2%. A reliable mean commute time is not available for this row, so the mode shares carry the comparison.
Mode share answers how workers usually travel; it does not measure congestion, reliability, distance to a particular job, or the quality of transit service. No single mode completely explains the work trip here. The mix is more useful than a one-number commute grade, especially when comparing places where transit, walking, and remote work divide the non-driving share differently.
Census PEP estimates show the population grew by +2,671 residents from 2020 to 2025, a +11.1% change. Separately, Census BPS recorded 339 housing units authorized in 2024. PEP and ACS are different Census series, so the trend is kept separate from the headline ACS population.
Recent estimates point upward. Growth can increase housing demand and service needs, but the permit record must move in the same direction before calling it a supply response; the two series measure different things.
Which cities make useful reference points for Saginaw?
Use the in-state set to hold state policy and broad price conditions more nearly constant. Use the nationwide size set to ask whether cities with a similar resident count produce different housing, income, or commute outcomes. The income set is a third lens, deliberately separate from population matching. The nationwide peer panel below adds a fourth FBI UCR reporting-rate lens, not personal risk.
Within Texas, the closest population matches are Benbrook (24,430 residents, $82,148 income); Kerrville (24,532 residents, $59,431 income); Cloverleaf (24,630 residents, $56,371 income). Outside the state, the closest population matches in this dataset are Zion, IL (24,466 residents); Decatur, GA (24,470 residents); Soledad, CA (24,476 residents). A third, income-matched reference set of 6 out-of-state cities sits in the income neighbourhood chart near the Place Dossier plate. These are mechanical peer sets, not claims that the places share a labor market, climate, culture, or metro context.
The city has a broader matched school footprint, but count alone does not describe performance, capacity, program availability, or attendance boundaries. This profile deliberately avoids converting it into an unsupported family-friendliness score.
The NCES join finds 6 public schools within the city match. 25.9% of adults age 25+ hold a bachelor's degree or higher in the ACS estimate. These measures answer different questions: the school count describes local institutions, while adult attainment describes residents and cannot be used as a school-quality rating.
These joined records add useful context, but they do not need another full-size panel. Each remains a separate measure with its own geography and source boundary.
Housing and income
How far does income reach against housing in Saginaw?
This is a citywide price-to-income reference, not a mortgage-affordability test; it does not include interest rates, taxes, insurance, household size, or an individual buyer's down payment. Income and home value move within the same broad scale here. The useful next check is not a generic affordability label, but whether similar-size cities offer a materially different income, housing, or commute trade-off.
The home-value-to-income reference sits in a middle range: the ACS median home value is 2.8 times median household income. The ACS poverty estimate is 1.7%, which keeps the citywide median from describing every household.
Value / income
2.8×
Home value
$270,300
Household income
$98,003
City-level Census ACS 2023 medians. The ratio divides two separate medians and is descriptive only.
What can the FBI record say about safety in Saginaw?
The joined FBI UCR record reports 1637.0 violent and property crimes per 100,000 residents, below the 2280.5 national reference used here. The difference is 28% lower in arithmetic terms, but agency participation is voluntary and reporting completeness varies.
Treat this as a reporting-rate comparison, not a prediction of personal risk or a neighborhood-level safety grade. Tourism, daytime population, reporting practices, and variation inside the city are not adjusted away. The state rank and same-state peer table are the narrower comparisons available on this page.
Total reported rate
1637.0
Violent rate
258.5
Property rate
1378.6
FBI Uniform Crime Reporting, incidents per 100,000. Voluntary agency reporting; not a danger score.
Comparative score against U.S. cities with population of 1,000 or more on Census ACS medians
(income, poverty, bachelor's share, cost of living) and FBI UCR violent-crime rates when
published. Higher means a stronger standing on those published figures, not a livability
rating, not a recommendation to move, buy, or pick a "best" city. Missing inputs drop out
and redistribute weight.
How it is calculated.
Poverty rate A
1.7%
Share of residents below the poverty line; lower scores better on this axis.
Household income B+
$98,003
Median household income vs U.S. cities (pop ≥1,000); ACS.
Cost of living C-
97.1 index
BEA state Regional Price Parities index (100 ≈ national average); lower is stronger on this axis. Same value for every city in the state.
Bachelor's+ share C-
25.9%
Adults with a bachelor's degree or higher; ACS.
Violent crime F
259 /100k
FBI UCR violent offenses per 100,000 residents; lower is stronger on this axis.
Saginaw profile (scored ACS/FBI dimensions)Read the chart values
Poverty rate: 88/100 (A) · 1.7%
Household income: 76/100 (B+) · $98,003
Cost of living: 53/100 (C-) · 97.1 index
Bachelor's+ share: 51/100 (C-) · 25.9%
Violent crime: 39/100 (F) · 259 /100k
Where Saginaw sits on home value vs crime among peer cities
Saginaw's median home value and FBI crime rate plotted with similar-size and
same-state peers (padded with large cities when the peer set is thin). The second
read: pricey does not always mean safer, check which quadrant this city lands in.
Census ACS median home value vs FBI UCR crime rate - Saginaw highlighted among 10 peers.Read the chart values
Saginaw, TX (this city): home $270,300, crime 1,637/100k
Zion, IL : home $179,100, crime 1,446/100k
Decatur, GA : home $655,900, crime 2,401/100k
Soledad, CA : home $571,600, crime 785/100k
Faribault, MN : home $233,900, crime 1,437/100k
Benbrook, TX : home $278,200, crime 2,091/100k
Kerrville, TX : home $272,700, crime 728/100k
San Benito, TX : home $85,100, crime 3,162/100k
Paris, TX : home $128,300, crime 3,327/100k
Big Spring, TX : home $138,800, crime 3,548/100k
How does Saginaw compare to other US cities?
Where Saginaw sits among all US cities (population 1,000+) on each measure, computed live from Census and FBI data.
Household income77% higher than other cities
Home value60% pricier than other cities
Median rent40% pricier than other cities
Safety42% safer than other cities
"Safer than" reflects total crime rate from FBI UCR; the others use Census ACS estimates.
A national percentile can hide a lot of local variation: narrowed to Texas alone, Saginaw ranks #374 of 624 Texas cities by lowest crime rate - a different, more locally useful comparison than stacking it against the entire country.
How we calculate these percentiles & ranks
Each percentile compares Saginaw against every qualifying US city; each in-state rank narrows that to Texas only. Full formula and direction notes: methodology.
Texas-relative analysis
Median Gross Rent places Saginaw near the bottom of Texas's cities
Among the 1,663 Texas cities PlainCities tracks with reported median gross rent data, Saginaw ranks #1 - the 0th percentile within the state. This is a different, narrower cut than the nationwide percentiles above: it compares Saginaw only against its own state's cities, not the full US field.
Median Household Income
#256 of 1,520
83rd percentile in Texas
Median Gross Rent
#1 of 1,663
0th percentile in Texas
Median Home Value
#335 of 1,505
78th percentile in Texas
Poverty Rate
#1,368 of 1,663
17th percentile in Texas
Bachelor's Degree or Higher
#474 of 1,663
71st percentile in Texas
How in-state ranks are ordered
Ranked by raw value (highest first); a higher rank is not automatically "better" for every measure, see each metric's own context above. This is a comparison within Texas only, not a livability score. See the methodology for the source and calculation.
Gauge source note
77th percentile nationally for median household income · 42nd percentile for safety (lower crime rate). Source: Census ACS 2023 / FBI UCR 2023.
Saginaw's profile vs. every US city
Income, affordability, and safety percentile
Saginaw's percentile rank on 3 favorable-direction measures (income, affordability, safety) vs. every tracked US city -- higher on every axis is more favorable. Not a composite quality score, just the arithmetic mean of the axes shown.
How Saginaw's home value compares nationally
Median home value vs. every US city (population 1,000+)
$270,30040th percentilemore affordable than 40% of 15,600 US cities
Show national distribution
Each bar is a $25K-wide band; taller bars hold more US cities. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau ACS 5-Year Estimates · 2023
Saginaw's home-value-to-income ratio: 2.8×
ACS median home value divided by median household income.
Band
affordable
< 3.0×
National rank
#5,346 of 15,516
More affordable than 66% of tracked cities (pop. 1,000+)
Size class
#612 of 3,317
Small cities (10,000–49,999)
At 2.8×, Saginaw sits in the affordable band:
national rank #5,346 of 15,516 and #612 of 3,317small cities (10,000–49,999).
The multiple is comparatively compact among tracked cities, but a low ratio can still coexist with slow demand or household-level hardship.
How this ratio is calculated
Ratio = Census ACS 2023 median home value ÷ median household income for cities with both fields and population ≥ 1,000.
Rank 1 = lowest ratio (most compact). Bands match the fleet affordability thresholds used on guides (<3.0 / 3.0–5.0 / >5.0).
This is not a mortgage payment estimate and does not include rates, taxes, insurance, or down payment.
Income distribution context
$98,003Saginaw, TX median household income (Census ACS)
Show U.S. national quintile / Lorenz context Saginaw, TX median household income (Census ACS 5-year) with U.S. national quintile shares for context. Diagonal = equality; the curve is national, not computed for Saginaw, TX.
Key socioeconomic indicators
Bachelor's degree or higher (adults 25+)25.9%
Census ACS S1501, educational attainment
Poverty rate (households below FPL)1.7%
Census ACS S1701, poverty status
Labor force participation (adults 16+)66.7%
Census ACS S2301, share of working-age residents in the labor force
Population
24,467
Median Income
$98,003
Median Home Value
$270,300
Median Age
36.8
Poverty Rate
1.7%
Labor force participation
66.7%
Bachelor's Degree+
25.9%
Safety & Crime
Total Crime Rate
1637.0
per 100,000 residents
Violent Crime
258.5
per 100,000 residents
Property Crime
1378.6
per 100,000 residents
Crime reporting caveat
Reflects incidents reported to the FBI's Uniform Crime Reporting program — agency participation is voluntary and reporting completeness varies by jurisdiction and year, so this reflects reporting activity, not a definitive danger score. Not adjusted for tourism, commuter, or daytime population.
Schools
Total Schools
6
Public schools in this city
Population Change
PEP vintage
Annual U.S. Census Bureau Population Estimates Program (PEP) estimates, 2020–2025
Saginaw's Census PEP population estimates, 2020–2025.Read the chart as text
Period
Population
2020
24,035 residents
2021
24,041 residents
2022
25,357 residents
2023
25,338 residents
2024
26,119 residents
2025
26,706 residents
Housing Supply
BPS source
Census Bureau Building Permits Survey (BPS) - annual residential permits authorized
📈 Rapid Growth
Total Permits (2024)
339
housing units authorized
Single-Family
245
detached homes
Multifamily
94
apartments & condos
Supply Intensity
13.9
permits per 1,000 residents
5-Year Permit Trend (2019–2024)
Year
Total
Single-Family
Multifamily
Est. Value
2019
265
265
0
$81.7M
2020
97
97
0
$31.8M
2021
556
26
530
$60.7M
2022
14
14
0
$4.2M
2023
272
9
263
$34.7M
2024
339
245
94
$69.8M
Permit volume increased 28% from 2019 to 2024.
Commute Patterns
Commute source
How workers travel to work, Census ACS 2023
Drive Alone
82.2%
Carpool
4.6%
Public Transit
0.6%
Walk
0.6%
Work from Home
11.5%
Based on 12,331 workers 16 and over.
Monthly Utility Costs
Texas statewide monthly utility average (EIA 2023): $223
EIA 2023 residential energy data puts average monthly utilities across Texas at $223 (electricity about $130 , water and sewer about $48 ).
These are Texas statewide averages, not a meter reading for Saginaw. Actual bills vary by home size, usage, and local rates. Source: U.S. Energy Information Administration (EIA) 2023.
Living Costs & Risk
Texas's BEA cost-of-living index is 97.1 (Near Average; US average = 100, RPP 2024). HUD Fair Market Rent for a typical two-bedroom in the county around Saginaw is $1,149/mo. FEMA's National Risk Index, averaged to Texas statewide on PlainCities, rates natural-hazard exposure at 49.0 / 100 (Low).
Cost/risk geography note
Cost of living is a Texas statewide BEA average; rent is a county-level HUD Fair Market Rent for the county Saginaw sits in; the FEMA hazard score shown here is a statewide average of county NRI inputs, not a parcel-level reading.
How Saginaw compares to similar-size Texas cities
Same-state peer method
Closest same-state population matches, not geographic neighbors. Population + median household income come from Census Bureau ACS 5-year B01001 and B19013.
Source: U.S. Census Bureau ACS 5-Year 2023, FBI UCR, NCES CCD, Census BPS 2024, Census ACS B08301/B08136, U.S. Energy Information Administration (EIA) 2023, BEA Regional Price Parities 2024, HUD Fair Market Rents 2026, FEMA National Risk Index.