City profile · Texas · Census ACS 2023

Saginaw, TX

Population, income, housing, safety, climate and schools for Saginaw - drawn straight from Census ACS, FBI UCR, NOAA, NCES, HUD and FEMA, refreshed on the 2024–2025 release cycle.

24,467
Residents
$98,003
Median income
$270,300
Median home
$1,723
Median rent (state)

Saginaw - the verdict

Nationally, Saginaw sits in the 77th percentile for household income and the 41st 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
69th
percentile, median rent
41st
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. The typical household in Saginaw brings in $98,003 a year, 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 1637.1 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 $1,723 per month statewide. Statewide, average monthly utility bills in Texas run around $223, per EIA 2023 residential energy data. Natural-hazard exposure scores 99.1 out of 100 on FEMA's National Risk Index (Very High).

Population

24,467 residents

Census ACS 2023 - Texas

Median Household Income

$98,003 /yr

Poverty 1.7%

Cost of Living Index (state)

97.1 (US=100)

Near Average - BEA RPP 2024, Texas average

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 income 77% higher than other cities
Home value 60% pricier than other cities
Median rent 69% pricier than other cities
Safety 41% 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 toward the top of Texas's cities

Among the 1,663 Texas cities PlainCities tracks with reported median gross rent data, Saginaw ranks #213 - the 83rd 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
#213 of 1,663
83rd 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

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.

77thIncome percentile
41stSafety percentile

77th percentile nationally for median household income · 41st 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. 3-axis radar comparing 1 series across Income, Affordability, Safety. IncomeAffordabilitySafety 51 Avg. percentile National median
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+)

$270,300 40th percentile more affordable than 40% of 15,600 US cities

$0–$25,000: 5 US cities (0%). Below this entry. $25,000–$50,000: 54 US cities (0%). Below this entry. $50,000–$75,000: 352 US cities (2%). Below this entry. $75,000–$100,000: 1,086 US cities (7%). Below this entry. $100,000–$125,000: 1,516 US cities (10%). Below this entry. $125,000–$150,000: 1,170 US cities (8%). Below this entry. $150,000–$175,000: 1,278 US cities (8%). Below this entry. $175,000–$200,000: 1,229 US cities (8%). Below this entry. $200,000–$225,000: 1,035 US cities (7%). Below this entry. $225,000–$250,000: 976 US cities (6%). Below this entry. $250,000–$275,000: 754 US cities (5%). This entry sits in this band. $275,000–$300,000: 712 US cities (5%). Above this entry. $300,000–$325,000: 521 US cities (3%). Above this entry. $325,000–$350,000: 526 US cities (3%). Above this entry. $350,000–$375,000: 465 US cities (3%). Above this entry. $375,000–$400,000: 393 US cities (3%). Above this entry. $400,000–$425,000: 317 US cities (2%). Above this entry. $425,000–$450,000: 300 US cities (2%). Above this entry. $450,000–$475,000: 307 US cities (2%). Above this entry. $475,000–$500,000: 250 US cities (2%). Above this entry. $500,000–$525,000: 160 US cities (1%). Above this entry. $525,000–$550,000: 156 US cities (1%). Above this entry. $550,000–$575,000: 172 US cities (1%). Above this entry. $575,000–$600,000: 172 US cities (1%). Above this entry. $600,000–$625,000: 163 US cities (1%). Above this entry. $625,000–$650,000: 167 US cities (1%). Above this entry. $650,000–$675,000: 135 US cities (1%). Above this entry. $675,000–$700,000: 101 US cities (1%). Above this entry. $700,000–$725,000: 95 US cities (1%). Above this entry. $725,000–$750,000: 71 US cities (0%). Above this entry. $750,000–$775,000: 65 US cities (0%). Above this entry. $775,000–$800,000: 70 US cities (0%). Above this entry. $800,000–$825,000: 57 US cities (0%). Above this entry. $825,000–$850,000: 67 US cities (0%). Above this entry. $850,000–$875,000: 60 US cities (0%). Above this entry. $875,000–$900,000: 58 US cities (0%). Above this entry. $900,000–$925,000: 47 US cities (0%). Above this entry. $925,000–$950,000: 37 US cities (0%). Above this entry. $950,000–$975,000: 31 US cities (0%). Above this entry. $975,000–$1,000,000: 470 US cities (3%). Above this entry. $1,000,000–$1,025,000: 0 US cities (0%). Above this entry. Saginaw $0 $1,025,000 every US city, bucketed by value

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

Income distribution context

Household income distribution - Saginaw, TX Saginaw, TX's reported median household income shown against the U.S. national quintile-share pattern (not Saginaw, TX-specific quintile data). The Lorenz curve traces the national cumulative income share against cumulative population share, perfect equality is the diagonal; observed inequality bows below. $ Household Income Distribution Saginaw, TX median $98,003/yr, vs. U.S. national quintile pattern QUINTILE SHARE OF AGGREGATE INCOME Lowest 20% 3.4% Second 20% 9.2% Middle 20% 15.1% Fourth 20% 23.2% Top 20% 49.1% LORENZ CURVE cumulative income vs. population 100% 0% 100% pop. 0%
Saginaw, TX's median household income (Census ACS 5-year estimate) plotted against the U.S. national income-quintile distribution pattern for context; the quintile shares and Lorenz curve are national figures, not computed specifically for Saginaw, TX. Diagonal = perfect equality.

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
1637.1
per 100,000 residents
Violent Crime
258.5
per 100,000 residents
Property Crime
1378.6
per 100,000 residents

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

Annual U.S. Census Bureau Population Estimates Program (PEP) estimates, 2020–2025

See the fastest-growing cities →
23,000 residents24,000 residents25,000 residents26,000 residents27,000 residents 202020212022202320242025 24,035 residents 26,706 residents ▲ +11.1%
Saginaw's Census PEP population estimates, 2020–2025.

Housing Supply

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
2019 265
2020 97
2021 556
2022 14
2023 272
2024 339

Permit volume increased 28% from 2019 to 2024.

Commute Patterns

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

State-average estimates for Texas - EIA 2023 residential energy data

Electricity
$130
avg/month
Natural Gas
$45
avg/month
Water & Sewer
$48
avg/month
Total Utilities
$223
estimated/month

Estimates reflect Texas state averages. Actual costs vary by home size, usage, and local rates. Source: U.S. Energy Information Administration (EIA) 2023.

Living Costs & Risk

Cost of living is a Texas state average from BEA; rent and hazard risk are county-level figures from HUD and FEMA for the county Saginaw sits in

Cost of Living Index
97.1
Near Average
US average = 100 · BEA RPP 2024
Typical 2-BR Rent
$1,723/mo
HUD Fair Market Rent
County-level FMR estimate
Natural Hazard Risk
99.1 / 100
Very High
FEMA NRI composite score (county)

Similar Cities in Texas

Benbrook
24,430 people
Kerrville
24,532 people
Cloverleaf
24,630 people
San Benito
24,677 people
Paris
24,678 people
Big Spring
24,769 people

Cities of a Similar Size Nationwide

Population-matched peers from other states, closest to Saginaw's 24,467 residents (Census ACS 5-Year 2023).

Zion, IL
24,466 people
Decatur, GA
24,470 people
Soledad, CA
24,476 people
Faribault, MN
24,458 people
Fairfax, VA
24,478 people
World Golf, FL
24,485 people

Cities with a Similar Household Income Nationwide

Median-household-income-matched peers from other states, closest to Saginaw's $98,003 (Census ACS 5-Year 2023, table B19013).

Watertown, CT
$98,003 median income
Palermo, NJ
$98,000 median income
McConnellstown, PA
$98,000 median income
Fenton, MO
$97,991 median income
Crete, IL
$97,984 median income
Suissevale, NH
$97,981 median income

Race & Ethnicity Composition

Race and ethnicity - Saginaw, TX Race categories sum to one hundred percent per Census methodology. Hispanic or Latino is shown separately as an ethnicity overlay; it cuts across all race categories per OMB Directive 15. Race & Ethnicity Composition Saginaw, TX - Census ACS, OMB race + ethnicity categories RACE, sums to 100% 67.5% 10.1% 7.6% 12.1% ETHNICITY, Hispanic or Latino (any race) 36.6% White 67.5% Black or African American 10.1% Asian 2.0% American Indian 0.7% Native Hawaiian 0.1% Some other race 7.6% Two or more races 12.1% Per OMB Directive 15: Hispanic/Latino ethnicity is reported separately from the race categories.
Race categories sum to 100%. Hispanic or Latino ethnicity is reported separately and cuts across race per Census/OMB methodology.

City-level race and ethnicity, Census ACS 5-year 2023 (tables B02001, B03001), OMB Directive 15 categories.

How Saginaw compares to nearby Texas cities

Population + median household income, sourced from Census Bureau ACS 5-year B01001 (population) and B19013 (median household income).

City Population Median Household Income
Saginaw (this city) 24,467 $98,003
Benbrook 24,430 $82,148
Kerrville 24,532 $59,431
Cloverleaf 24,630 $56,371
Census ACS 5-year FIPS TX FBI UCR NCES CCD Census BPS 2024 OMB Bulletin 23-01

What do people ask about Saginaw, TX?

What is the population of Saginaw, TX? +

Saginaw, TX counts 24,467 residents according to U.S. Census Bureau ACS 2023 estimates.

What is the median household income in Saginaw, TX? +

Median annual household income in Saginaw runs $98,003, based on Census ACS 2023 data.

What is the cost of living in Saginaw? +

BEA does not publish a city-level cost-of-living figure for Saginaw; the closest available measure is the Texas state average, a cost of living index of 97.1 (U.S. average = 100), rated "Near Average" based on BEA Regional Price Parities 2024 data. Costs within Texas vary by metro area.

Is Saginaw, TX safe? +

Saginaw has a total crime rate of 1637.1 per 100,000 residents, which is below the national average. This reflects incidents reported to the FBI UCR program, not a definitive safety score -- agency reporting is voluntary and completeness varies by jurisdiction.

What is the median home value in Saginaw, TX? +

Saginaw's median home value sits at $270,300, according to Census ACS 2023 estimates.

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.

Read our methodology - how this data is sourced, computed, and verified.

Primary sources: Census ACS, FBI UCR, NOAA Climate Normals, NCES.

Citation & verification links Data sourced from the U.S. Census Bureau. See our methodology for details. Retrieved and formatted by PlainCities

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Every figure on PlainCities is rendered directly from Census ACS source data, no number is typed in by an editor. This page draws directly on Census ACS source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.