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City Report · TX

Saginaw

Pop. 24,970·56th most expensive in Texas·Saginaw rents are up 8.9% over the past year
Median rent (all units)
$1,958/mo
Year-over-Year
+8.9%
Month-over-Month
+1.1%
vs US Median
-$7
Rising (Monthly)
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Most AffordableMost Expensive
Saginaw · $1,958
More expensive than 57% of US cities · National median $1,965/mo
Rent Reality Score
49/100
Fairly priced
OverheatedFairGreat value

Rents are right about where Saginaw's 10-year trend predicts.

Actual rent
$1,958/mo
Expected by trend
$1,948/mo
The Rent Reality Score compares today's median rent to where Saginaw's own long-run trajectory projects it should be. See the full rankings →
Medians by bedroom

Rent by unit size

Studio
$1,770
1 BR
$1,890
2 BR
$2,200
3 BR
$2,910
4 BR+
$3,550
Research median
$2,200/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: July 20, 2026

Annual cost
$23,496/yr
At $1,958/mo median
Rent Market Meter
Strong Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are up 8.9% year-over-year. Expect competition, and move quickly to lock in terms.
Based on rent-price momentum (+8.9% YoY, +1.1% MoM), not inventory.
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Demographics

Who lives here

Saginaw, TX is majority owner-occupied, has a median income above the national average, 24.7% of residents hold a bachelor's degree or higher.

Population
24,970
Median income
$97,276
Median age
37.2
Renters
31.7%
Age distribution
24.6%
22.2%
29%
13.2%
Under 1824.6%
18–3422.2%
35–5429%
55–6411%
65+13.2%
Gender
52.7%
47.3%
Male52.7%
Female47.3%
Race & ethnicity
59%
38%
White59%
Black10.7%
Hispanic38%
Asian3.3%
Education (25+)
28.3%
38%
24.7%
No HS diploma9.1%
HS diploma28.3%
Some college38%
Bachelor's+24.7%
Housing tenure
68.3%
31.7%
Owner68.3%
Renter31.7%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2022 vs 2026

How Saginaw, TX has changed in 5 years

Rent
$1,755 → $1,958
up 11.6%
Income
$89,071 → $97,276
up 9.2%
Population
23,676 → 24,970
up 5.5%
Renter share
26.5% → 31.7%
+5.2 pts
Bachelor's+
25.8% → 24.7%
-1.1 pts

Five years ago, renters in Saginaw, TX paid around $1,755 a month. That figure now sits near $1,958, up 11.6% from the 2022 baseline. Census figures show median household income at $97,276 today, compared with $89,071 five years earlier. Census counts show Saginaw, TX adding about 1,294 residents over the five-year window, up 5.5% on net. The renter share has risen from 26.5% to 31.7%, with owner-occupied housing accounting for the remainder. The combined trend lines point to a market that has changed measurably from where it stood in early 2022.

Community

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View Saginaw rent history (2015–2026) →
Salary vs rent

Can you afford rent in Saginaw on your salary?

At $1,958/mo, how Saginaw rent compares to typical pay (30% rule).

By apartment size

Saginaw rent by bedroom count

Median rent for each apartment size in Saginaw. Click any size for full breakdown.

Local insights

Tips for renters in Saginaw

About renting in Saginaw, TX

Last updated: July 20, 2026

The median rent in Saginaw is $1,958/mo as of July 2026. A studio apartment averages $1,770/mo while a 2-bedroom runs $2,200/mo. One-bedroom apartments average $1,890/mo and 3-bedroom units go for $2,910/mo.

At 24% of local median household income ($97,276/yr), Saginaw ranks as affordable compared to the national benchmark of 30%. Rents have increased 8.9% over the past year.

FAQ

Frequently asked questions

Is Saginaw an affordable city for renters?

Saginaw is considered very affordable for renters. At $1,958/mo, rent takes approximately 24% of the local median household income ($97,276/yr). The standard benchmark is 30%. Saginaw falls comfortably within that range.

How much income do you need to rent in Saginaw?

To keep rent at or below 30% of gross income, you would need to earn at least $78,000/year (~$38/hour full-time) to afford the median rent of $1,958/mo in Saginaw. The local median household income is $97,276/yr, meaning the typical Saginaw household meets that threshold.

Is rent going up or down in Saginaw?

Rent in Saginaw has increased 8.9% over the past year as of July 2026, putting upward pressure on renter budgets.

How does Saginaw rent compare to other cities in Texas?

Saginaw is one of the pricier cities in Texas for rent, ranking #56 out of 269 tracked cities at $1,958/mo.

Which nearby cities are cheaper to rent in than Saginaw?

Several nearby cities have lower median rents than Saginaw ($1,958/mo): Haltom City ($1,417/mo), Fort Worth ($1,635/mo), Lake Worth ($1,696/mo).

What percentage of Saginaw residents rent vs. own?

According to Census data, approximately 31.7% of Saginaw households are renters, while 68.3% are owner-occupied. Saginaw leans toward homeownership, which can mean a smaller rental inventory.

How does Saginaw rent compare to the national average?

Saginaw's median rent of $1,958/mo is $7 (0%) below the US national median of $1,965/mo. Within Texas, it ranks #56 out of 269 tracked cities.
Income Affordability
24%
VERY AFFORDABLE

At $1,958/mo, rent takes ~24% of Saginaw's median household income ($97,276/yr). The standard benchmark is 30%.

Saginaw 24%Benchmark 30%
State income taxNone
Run the Saginaw affordability calculator →
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Neighborhoods

Estimated from ZIP-level data

Schools nearby

Public schools near Saginaw, TX

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