Census tract · Saginaw County
Census Tract 104.04, Saginaw County, Michigan
Census Tract 104.04, GEOID 26145010404, in Saginaw County, Michigan, entirely within Saginaw Charter Township. 2,416 residents in the ACS 2020-2024 5-year estimates (±412); the 2020 Census counted 2,707.
Residents, 2020-2024
2,416
±412 (90% margin)
2020 Census count: 2,707
Median household income
$88,000
±$23,592 (90% margin)
Saginaw County: $60,622
Median home value
$209,400
±$22,083 (90% margin)
Saginaw County: $152,800
Median gross rent
$1,059
±$110 (90% margin)
Saginaw County: $947
Where is Census Tract 104.04?
Census Tract 104.04 is one of 61 census tracts in Saginaw County, Michigan. It covers 0.96 square miles of land, 2,811 residents per square mile in 2020. Its GEOID, 26145010404, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Saginaw Charter Township | 100% |
4 census tracts border Census Tract 104.04: Tract 103.06 ($72,139), Tract 104.02 ($64,353), Tract 104.05 ($52,256) and Tract 105.02 ($75,270). 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 104.04?
The 2020-2024 American Community Survey puts Census Tract 104.04's population at 2,416 (±412) in 1,010 households; the 2020 Census counted 2,707 residents and 1,198 housing units.
| Measure | Tract 104.04 | Saginaw Charter Township |
|---|---|---|
| Total population | 2,416 ±412 | 41,281 |
| Households | 1,010 ±212 | 18,579 |
| Average household size | 2.39 ±0.27 | 2.19 |
| Housing units | 1,134 ±214 | 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 104.04?
The median resident of Census Tract 104.04 is 41.5 years old; 18.9% are under 18 and 19.6% are 65 or older. The largest group is non-Hispanic white residents at 79.1%, then non-Hispanic Black residents at 8.6%.
| Measure | Tract 104.04 | Saginaw Charter Township |
|---|---|---|
| Median age | 41.5 ±6.8 | 41.7 |
| Under 18 years | 18.9% ±4.8 pts | 20.2% |
| 65 years and over | 19.6% ±5.9 pts | 22.9% |
| Hispanic or Latino (any race) | 8.1% ±5.5 pts | 9.5% |
| White alone, not Hispanic | 79.1% ±9.1 pts | 71.3% |
| Black or African American alone, not Hispanic | 8.6% ±6.3 pts | 12.8% |
| Asian alone, not Hispanic | 0.7% ±0.9 pts | 4.0% |
| American Indian and Alaska Native alone, not Hispanic | 0.1% ±0.2 pts | 0.0% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±1.2 pts | 0.1% |
| Two or more races, not Hispanic | 3.4% ±3.1 pts | 2.2% |
| Some other race alone, not Hispanic | 0.0% ±1.2 pts | 0.0% |
| Born outside the United States | 3.6% ±2.5 pts | 4.9% |
| Speak a language other than English at home (age 5+) | 4.9% ±3.2 pts | 6.4% |
| Civilian veterans (age 18+) | 4.1% ±2.7 pts | 6.6% |
| With a disability | 6.6% ±3.0 pts | 15.0% |
| No health insurance coverage | 1.9% ±1.7 pts | 4.1% |
| High school graduate or higher (age 25+) | 96.9% ±3.0 pts | 94.4% |
| Bachelor's degree or higher (age 25+) | 49.6% ±12.2 pts | 36.8% |
| Graduate or professional degree (age 25+) | 12.4% ±6.1 pts | 13.8% |
| Lived in the same house a year earlier | 96.2% ±2.3 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 104.04 earn?
Half of the 1,010 households in Census Tract 104.04 earn less than $88,000 a year (±$23,592), against $60,622 across Saginaw County: 9th highest of the county's 59 tracts with a reliable estimate.
| Measure | Tract 104.04 | Saginaw Charter Township |
|---|---|---|
| Median household income | $88,000 ±$23,592 | $67,603 |
| Mean household income | $98,487 ±$18,769 | $92,462 |
| Per capita income | $40,843 ±$8,051 | $42,102 |
| People below the poverty line | 19.1% ±13.5 pts | 13.8% |
| Children under 18 below the poverty line | 42.0% ±33.3 pts | 24.5% |
| Households receiving SNAP | 3.3% ±3.4 pts | 11.4% |
| Households with a computer | 96.0% ±3.4 pts | 95.4% |
| Households with a broadband subscription | 93.4% ±4.1 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 104.04?
Owners occupy 86.4% of Census Tract 104.04's occupied homes and renters 13.6%. The median owner-occupied home is valued at $209,400 by its owner (±$22,083). The median renter pays $1,059 a month including utilities, and 63.5% of renters pay 35% or more of their income on rent.
| Measure | Tract 104.04 | Saginaw Charter Township |
|---|---|---|
| Median home value (owner-occupied) | $209,400 ±$22,083 | $182,000 |
| Median gross rent | $1,059 ±$110 | $1,002 |
| Renters paying 35% or more of income on rent | 63.5% ±26.0 pts | 35.3% |
| Median monthly owner costs, with a mortgage | $1,295 ±$416 | $1,310 |
| Owner-occupied homes | 86.4% ±8.0 pts | 65.9% |
| Renter-occupied homes | 13.6% ±8.0 pts | 34.1% |
| Housing units | 1,134 ±214 | 20,021 |
| Single-family detached homes | 80.3% ±7.6 pts | 59.5% |
| Mobile homes | 0.0% ±2.6 pts | 4.0% |
| Built 2020 or later | 0.0% ±2.6 pts | 0.2% |
| Built 2010 to 2019 | 0.7% ±1.2 pts | 3.5% |
| Built 1939 or earlier | 14.0% ±15.9 pts | 2.9% |
| Households with no vehicle | 0.0% ±2.9 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 104.04 get to work?
67.4% of Census Tract 104.04's workers drive alone. The average trip to work takes 22.1 minutes.
| Measure | Tract 104.04 | Saginaw Charter Township |
|---|---|---|
| In the labor force (age 16+) | 65.4% ±8.9 pts | 61.3% |
| Unemployment rate | 1.7% ±1.9 pts | 5.1% |
| Drove alone to work | 67.4% ±17.0 pts | 80.8% |
| Carpooled | 3.8% ±3.6 pts | 7.6% |
| Public transportation | 0.0% ±2.3 pts | 0.5% |
| Walked | 1.4% ±2.1 pts | 0.4% |
| Worked from home | 27.5% ±18.4 pts | 9.4% |
| Mean travel time to work | 22.1 min ±4.4 | 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 104.04 compare with the other tracts in Saginaw County?
Among Saginaw County's tracts with a reliable estimate, Census Tract 104.04 ranks as shown below (1 = highest).
| Measure | In Saginaw County |
|---|---|
| Population | 39th of 61 |
| Residents per square mile | 11th of 61 |
| Median household income | 9th of 59 |
| Per capita income | 14th of 61 |
| Median home value | 13th of 59 |
| Median gross rent | 14th of 55 |
| Bachelor's degree or higher | 3rd of 54 |
| Median age | 35th of 61 |
| Owner-occupied share | 20th of 61 |
The tracts next to it on Saginaw County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 113.02 | 6th | $90,357±$11,902 · within the margin of this tract |
| Tract 103.05 | 7th | $90,054±$16,698 · within the margin of this tract |
| Tract 120.02 | 8th | $88,274±$9,966 · within the margin of this tract |
| Tract 104.04 | 9th | $88,000±$23,592 |
| Tract 112 | 10th | $86,979±$13,953 · within the margin of this tract |
| Tract 123 | 11th | $86,513±$9,380 · within the margin of this tract |
| Tract 121 | 12th | $84,000±$31,997 · 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 104.04?
5 of the 18 figures for Census Tract 104.04 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