Census tract · Saginaw County
Census Tract 103.04, Saginaw County, Michigan
Census Tract 103.04, GEOID 26145010304, in Saginaw County, Michigan, entirely within Saginaw Charter Township. 5,208 residents in the ACS 2020-2024 5-year estimates (±695); the 2020 Census counted 5,013.
Residents, 2020-2024
5,208
±695 (90% margin)
2020 Census count: 5,013
Median household income
$48,029
±$7,079 (90% margin)
Saginaw County: $60,622
Median home value
$169,400
±$16,942 (90% margin)
Saginaw County: $152,800
Median gross rent
$1,030
±$116 (90% margin)
Saginaw County: $947
Where is Census Tract 103.04?
Census Tract 103.04 is one of 61 census tracts in Saginaw County, Michigan. It covers 3.88 square miles of land, 1,292 residents per square mile in 2020. Its GEOID, 26145010304, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Saginaw Charter Township | 100% |
4 census tracts border Census Tract 103.04: Tract 102 ($42,333), Tract 103.03 ($101,100), Tract 104.01 ($61,400) and Tract 107 ($50,399). The figure in brackets is each tract's median household income.
Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.
Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files
How many people live in Census Tract 103.04?
The 2020-2024 American Community Survey puts Census Tract 103.04's population at 5,208 (±695) in 2,370 households; the 2020 Census counted 5,013 residents and 2,651 housing units.
| Measure | Tract 103.04 | Saginaw Charter Township |
|---|---|---|
| Total population | 5,208 ±695 | 41,281 |
| Households | 2,370 ±230 | 18,579 |
| Average household size | 2.20 ±0.21 | 2.19 |
| Housing units | 2,635 ±224 | 20,021 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Census Tract 103.04?
The median resident of Census Tract 103.04 is 30.0 years old; 23.6% are under 18 and 14.4% are 65 or older. The largest group is non-Hispanic white residents at 62.8%, then non-Hispanic Black residents at 25.3%. 3.0% of residents were born outside the United States.
| Measure | Tract 103.04 | Saginaw Charter Township |
|---|---|---|
| Median age | 30.0 ±5.7 | 41.7 |
| Under 18 years | 23.6% ±5.8 pts | 20.2% |
| 65 years and over | 14.4% ±3.8 pts | 22.9% |
| Hispanic or Latino (any race) | 7.5% ±5.0 pts | 9.5% |
| White alone, not Hispanic | 62.8% ±11.5 pts | 71.3% |
| Black or African American alone, not Hispanic | 25.3% ±12.4 pts | 12.8% |
| Asian alone, not Hispanic | 1.7% ±1.4 pts | 4.0% |
| American Indian and Alaska Native alone, not Hispanic | 0.2% ±0.3 pts | 0.0% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±0.6 pts | 0.1% |
| Two or more races, not Hispanic | 2.4% ±2.6 pts | 2.2% |
| Some other race alone, not Hispanic | 0.0% ±0.6 pts | 0.0% |
| Born outside the United States | 3.0% ±1.9 pts | 4.9% |
| Speak a language other than English at home (age 5+) | 6.7% ±3.5 pts | 6.4% |
| Civilian veterans (age 18+) | 6.0% ±3.1 pts | 6.6% |
| With a disability | 17.1% ±7.0 pts | 15.0% |
| No health insurance coverage | 7.5% ±4.5 pts | 4.1% |
| High school graduate or higher (age 25+) | 94.7% ±4.9 pts | 94.4% |
| Bachelor's degree or higher (age 25+) | 33.8% ±9.2 pts | 36.8% |
| Graduate or professional degree (age 25+) | 7.0% ±3.8 pts | 13.8% |
| Lived in the same house a year earlier | 76.9% ±10.3 pts | 87.6% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Census Tract 103.04 earn?
Half of the 2,370 households in Census Tract 103.04 earn less than $48,029 a year (±$7,079), against $60,622 across Saginaw County: 43rd highest of the county's 59 tracts with a reliable estimate. 35.2% of residents live below the poverty line.
| Measure | Tract 103.04 | Saginaw Charter Township |
|---|---|---|
| Median household income | $48,029 ±$7,079 | $67,603 |
| Mean household income | $62,581 ±$9,448 | $92,462 |
| Per capita income | $29,282 ±$5,432 | $42,102 |
| People below the poverty line | 35.2% ±8.8 pts | 13.8% |
| Children under 18 below the poverty line | 69.2% ±18.0 pts | 24.5% |
| Households receiving SNAP | 32.1% ±8.8 pts | 11.4% |
| Households with a computer | 96.6% ±2.5 pts | 95.4% |
| Households with a broadband subscription | 91.0% ±4.8 pts | 91.6% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Census Tract 103.04?
Owners occupy 45.4% of Census Tract 103.04's occupied homes and renters 54.6%. The median owner-occupied home is valued at $169,400 by its owner (±$16,942). The median renter pays $1,030 a month including utilities, and 40.0% of renters pay 35% or more of their income on rent.
| Measure | Tract 103.04 | Saginaw Charter Township |
|---|---|---|
| Median home value (owner-occupied) | $169,400 ±$16,942 | $182,000 |
| Median gross rent | $1,030 ±$116 | $1,002 |
| Renters paying 35% or more of income on rent | 40.0% ±15.6 pts | 35.3% |
| Median monthly owner costs, with a mortgage | $1,155 ±$230 | $1,310 |
| Owner-occupied homes | 45.4% ±6.9 pts | 65.9% |
| Renter-occupied homes | 54.6% ±6.9 pts | 34.1% |
| Housing units | 2,635 ±224 | 20,021 |
| Single-family detached homes | 42.5% ±7.1 pts | 59.5% |
| Mobile homes | 0.0% ±1.1 pts | 4.0% |
| Built 2020 or later | 0.8% ±1.2 pts | 0.2% |
| Built 2010 to 2019 | 6.6% ±4.2 pts | 3.5% |
| Built 1939 or earlier | 2.5% ±1.7 pts | 2.9% |
| Households with no vehicle | 4.1% ±3.8 pts | 4.5% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Census Tract 103.04 get to work?
82.0% of Census Tract 103.04's workers drive alone. The average trip to work takes 27.8 minutes. The unemployment rate in 2020-2024 averaged 13.0%.
| Measure | Tract 103.04 | Saginaw Charter Township |
|---|---|---|
| In the labor force (age 16+) | 65.0% ±8.9 pts | 61.3% |
| Unemployment rate | 13.0% ±8.1 pts | 5.1% |
| Drove alone to work | 82.0% ±8.7 pts | 80.8% |
| Carpooled | 8.0% ±5.3 pts | 7.6% |
| Public transportation | 3.5% ±4.1 pts | 0.5% |
| Walked | 0.8% ±1.2 pts | 0.4% |
| Worked from home | 3.5% ±2.9 pts | 9.4% |
| Mean travel time to work | 27.8 min ±9.2 | 21.6 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
How does Census Tract 103.04 compare with the other tracts in Saginaw County?
Among Saginaw County's tracts with a reliable estimate, Census Tract 103.04 ranks as shown below (1 = highest).
| Measure | In Saginaw County |
|---|---|
| Population | 6th of 61 |
| Residents per square mile | 29th of 61 |
| Median household income | 43rd of 59 |
| Per capita income | 36th of 61 |
| Median home value | 21st of 59 |
| Median gross rent | 17th of 55 |
| Poverty rate | 13th of 53 |
| Bachelor's degree or higher | 13th of 54 |
| Median age | 56th of 61 |
| Owner-occupied share | 54th of 61 |
The tracts next to it on Saginaw County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 15 | 40th | $49,306±$7,459 · within the margin of this tract |
| Tract 106 | 41st | $49,241±$4,350 · within the margin of this tract |
| Tract 16 | 42nd | $48,298±$9,717 · within the margin of this tract |
| Tract 103.04 | 43rd | $48,029±$7,079 |
| Tract 102 | 44th | $42,333±$12,532 · within the margin of this tract |
| Tract 6 | 45th | $41,974±$15,611 · within the margin of this tract |
| Tract 19 | 46th | $41,711±$11,398 · within the margin of this tract |
"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed
How reliable are the figures for Census Tract 103.04?
3 of the 18 figures for Census Tract 103.04 on this page carry a coefficient of variation over 40% and are marked with a ring: they come from a small sample, so read them as rough.
A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections