Rents are 5% below what Saginaw's 10-year trend predicts — a better deal than its own history suggests.
Rent by unit size
These are HUD Fair Market Rents, the payment standard for a Housing Choice Voucher (Section 8). They often differ from the $1,857 market median above, and that is expected: FMR is the 40th percentile of standard-quality units and counts gross rent, so it includes essential utilities such as electricity, water, gas, sewer, and trash. The market median is asking rent, which usually excludes utilities. HUD sets FMR once a year; market rent here updates monthly.
Source: HUD Small Area Fair Market Rents. Read the methodology →
12-month history
Last updated: October 17, 2026
What the numbers show
January. Asking rents in Saginaw usually run 1.1% below trend in January and 0.7% above it in August, about $33 a month apart at today's median. Based on 5 years of data.
Rent in Saginaw is 0.6% below its high of $1,868 in April 2026, at $1,857 as of September 2026.
Rent in Saginaw changed +0.2% over the year to September 2026. Across the 224 Texas cities Zillow tracks, the typical change was +1.0%.
Rent rose in 6 of the last 12 months.
30% of the median household income ($97,276) is $2,432 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($2,200); a 3-bedroom is $2,910.
Fort Worth, 7 miles away, rents for 13% less ($1,612/mo), about $2,900 a year in savings.
From Zillow's monthly rent index (ZORI) for Saginaw. The seasonal pattern compares Zillow’s seasonally adjusted and unadjusted series. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.
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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.
Source: U.S. Census Bureau · ACS 2024 5-Year Estimates
How Saginaw, TX has changed in 5 years
Five years ago, renters in Saginaw, TX paid around $1,710 a month. That figure now sits near $1,857, up 8.6% 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.
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Can you afford rent in Saginaw on your salary?
At $1,857/mo, how Saginaw rent compares to typical pay (30% rule).
Saginaw rent by bedroom count
Median rent for each apartment size in Saginaw. Click any size for full breakdown.
Tips for renters in Saginaw
Last updated: October 17, 2026
The median rent in Saginaw is $1,857/mo as of October 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 23% of local median household income ($97,276/yr), Saginaw ranks as affordable compared to the national benchmark of 30%. Rents have increased 0.2% over the past year.
Frequently asked questions
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Is rent going up or down in Saginaw?
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How does Saginaw rent compare to other cities in Texas?
Which nearby cities are cheaper to rent in than Saginaw?
At $1,857/mo, rent takes ~23% of Saginaw's median household income ($97,276/yr). The standard benchmark is 30%.
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Estimated from ZIP-level data
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