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City · 24,970 residents · Tarrant County, Texas

Saginaw , Texas

In Saginaw, a typical home is worth $298,500 and typical rent is $1,776 a month. Compared with all of Tarrant County, typical household income is 16% higher, typical rent is 15% higher, and the share of households that own their home is 9 points higher.

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  • Typical home value

    $298,500

    8% below the county

    5% above Texas

    • Saginaw
    • Tarrant
    • Texas

  • Typical rent

    $1,776a month

    15% above the county

    27% above Texas

    • Saginaw
    • Tarrant
    • Texas

  • Typical household income

    $97,276a year

    16% above the county

    24% above Texas

    • Saginaw
    • Tarrant
    • Texas

  • Households that own their home

    68%

    9 points above the county

    6 points above Texas

    • Saginaw
    • Tarrant
    • Texas

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$294,835
1.6% less than 12 months ago
Typical rent
$1,857 a month
about the same as 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Saginaw is in Tarrant County. The FHA loan limit ($563,500 for a one-unit home), the fair market rents and the help on this page are those of all of Tarrant County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Saginaw apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Sansom Park, the typical home value is $158,200: 47% less than in Saginaw ($298,500).

  2. Nearby, in Sansom Park, the typical rent is $1,166: 34% less than in Saginaw ($1,776).

  3. The typical household income in Saginaw is $97,276, 16% more than in Tarrant County as a whole ($84,207).

  4. 68% of households in Saginaw own their home, against 59% in Tarrant County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Saginaw

What homes there are in Saginaw, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses, standing on their own, make up 85% of homes here, against 65% in Tarrant County.

Year built

Here half of the homes date from 2000 or later; in Tarrant County, from 1990 or later.

There is more room for a big family here: 82% of homes have 3 bedrooms or more, against 64% in Tarrant County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,992 a month

Tarrant County: $2,233 a month

Without a mortgage

$827 a month

Tarrant County: $834 a month

Owners with a mortgage

69%

Tarrant County: 62%

Owning costs less in Saginaw: with a mortgage, the typical cost is $1,992 a month; in Tarrant County, $2,233. Without one, $827.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Saginaw rose 77% since 2015–2019, more than in Tarrant County (72%).

Rents in Saginaw rose faster than in Tarrant County: 47% since 2015–2019, against 41%.

Here income did not keep up with housing: it rose 17%, while home values changed +77% and rent +47%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureSaginawTarrant CountyTexasUnited States
Rental vacancy Unreliable estimate7.7%7.7%5.5%
Homeowner vacancy Unreliable estimate0.9%1.1%0.9%
More than one person per room Unreliable estimate4.2%4.8%3.4%
People per household 2.772.732.692.53
Drive alone 77%72%71%69%
Carpool 8%10%10%9%
Public transit Unreliable estimate0%1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 14%15%14%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Saginaw has 2.77 people on average, about the same as in Tarrant County (2.73).

In Saginaw, 77% of workers drive alone to work; in Tarrant County, 72%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Saginaw?

A typical home is tight for the typical income

We start with a typical home in Saginaw, worth $298,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Saginaw, which is $97,276 a year. For that payment to be 28% of income, a household would need to earn about $113,779 a year.

The calculator's FHA and conventional loan limits are those of all of Tarrant County.

Your numbers

Local data
$

Starts at the typical home value in Saginaw. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $10,448 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,655

at 7.18% · 30 years

Loan amount
$293,093
Total interest
$421,692
Paid off in
November 2056

Includes $5,041 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,270 a month

  • Tight

    $2,270 to $2,918 a month

    Your payment · 33%

  • Hard

    more than $2,918 a month

Compared with the typical household income in Saginaw ($97,276 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,655
Principal & interest$1,986
Property tax$413
Home insurance$124
FHA mortgage insurance (MIP)$132

You need at least $10,448 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Saginaw and Tarrant County

Saginaw is in Tarrant County, Texas. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Saginaw's own numbers

Typical home value
$298,500
Typical monthly rent
$1,776
Typical yearly household income
$97,276
Households that own their home
68%
Effective property tax rate
1.66%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Tarrant County

FHA limit, one-unit home
$563,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,745
Price change over 5 years (FHFA)
+46%
Homes in a high flood-risk zone
0.2%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Tarrant County.

Everything about Tarrant County

Buying

Buying a home in Saginaw

A typical home in Saginaw is worth $298,500: 8% below the county and 5% above Texas. With the typical household income in Saginaw ($97,276 a year), a typical home costs 3.1 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Saginaw 3.1 years
  • Tarrant 3.8 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Tarrant County

According to FHFA’s house price index, home prices in Tarrant County rose 106% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Tarrant County.

Period County Texas U.S.
Last year (2025) +0.5% +0.8% +2.9%
5 years (2020–2025) +46% +44% +47%
10 years (2015–2025) +106% +88% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Saginaw next to Tarrant County, Texas and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Saginaw $298,500
  • Tarrant $323,900
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Saginaw $1,776
  • Tarrant $1,547
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Saginaw $97,276
  • Tarrant $84,207
  • Texas $78,476
  • United States $80,734
See the full table
Saginaw next to Tarrant County and Texas
Measure Saginaw Tarrant County Texas U.S.
Typical home value $298,500 $323,900 $283,800 $332,700
Typical monthly rent $1,776 $1,547 $1,403 $1,413
Typical yearly household income $97,276 $84,207 $78,476 $80,734
Households that own their home 68% 59% 63% 65%
Typical yearly property tax $4,942 $5,334 $4,232 $3,119
Effective property tax rate 1.66% 1.65% 1.49% 0.94%
Renters with high rent for their income 53% 55% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Tarrant County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Saginaw

For a typical $298,500 home in Saginaw, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Saginaw's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,655a month

    Least cash to close
    Down payment
    $10,448
    Cash to close
    $19,403
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $132

  • Conventional, 5% down $2,600a month

    Down payment
    $14,925
    Cash to close
    $23,880
    Rate
    7.18%
    Mortgage insurance
    PMI · $142

  • Conventional, 20% down, no PMI $2,155a month

    Down payment
    $59,700
    Cash to close
    $68,655
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,431a month

    Down payment
    $44,775
    Cash to close
    $53,730
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Saginaw and for Tarrant County.

Property tax

Effective rate in Saginaw

1.66%of the home’s value each year

$4,942 a year for the typical owner in Saginaw.

  • Saginaw 1.66%
  • Tarrant 1.65%
  • Texas 1.49%

What Texas publishes School-district homestead exemption (Texas Comptroller of Public Accounts)

Exemptions and deadlines in Texas

Flood risk in Tarrant County

FEMA does not publish these numbers by city: they are for all of Tarrant County.

Homes in the high-risk zone
0.2%
1,163
Of those, with NFIP insurance
—
County Texas U.S.
Homes in the high-risk zone 0.2% 4.1% 3.5%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Saginaw

Typical rent in Saginaw is $1,776 a month: 15% above the county. In Saginaw, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Tarrant County, by unit size. To pay the 2-bedroom one ($1,745 a month) without spending more than 30% of your income, you would need to earn $33.56 an hour working full time.

HUD fair market rent for all of Tarrant County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,461 $28.10 $58,440
1 bedroom $1,481 $28.48 $59,240
2 bedrooms $1,745 $33.56 $69,800
3 bedrooms $2,284 $43.92 $91,360
4 bedrooms $2,866 $55.12 $114,640

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Saginaw

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Saginaw has 2 ZIP codes with their own.

For 2 bedrooms it runs from $2,150 in 76131 to $2,200 in 76179.

2 of the 2 are above the fair market rent for Tarrant County ($1,745).

  • 76131 $2,150$2,810
  • 76179 $2,200$2,880

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Saginaw when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Saginaw

HUD lists one building with rents for lower incomes in Saginaw.

  • Mariposa at Spring Hollow 451 E McLeroy Blvd, Saginaw 76131 194 homes · In service since 2016

See all 207 buildings in Tarrant County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Saginaw

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 5 HUD-approved agencies with an office in Tarrant County; 4 say they serve in Spanish.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Saginaw

No down payment, repair or rent-help program on our list is for Saginaw or Tarrant County. The ones below are statewide in Texas: they work in Saginaw the same as in the rest of the state.

Which programs do I qualify for? All programs in Texas

  • My First Texas Home

    Statewide in Texas

    Texas state program for first-time buyers: a 30-year mortgage with down payment assistance. Offered by Texas Department of Housing and Community Affairs (TDHCA).

    DeferredForgivable

    See the program Official page

  • My Choice Texas Home

    Statewide in Texas

    Texas state program with down payment assistance for any buyer, not only first-time buyers. Offered by Texas Department of Housing and Community Affairs (TDHCA).

    DeferredForgivable

    See the program Official page

  • Texas Mortgage Credit Certificate (MCC)

    Statewide in Texas

    Limited funds remain, per the source

    Texas state certificate that turns part of your mortgage interest into a credit on your federal tax return. Offered by Texas Department of Housing and Community Affairs (TDHCA).

    Tax credit

    See the program Official page

Housing counselors near Saginaw

The HUD-approved agencies closest to the center of Saginaw, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Housing Opportunities of Fort Worth

    2500 West Fwy Ste 400, Fort Worth · 9 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (817) 923-9192

  • Housing Channel

    851 Grainger St, Fort Worth · 9 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (817) 924-5091

  • Fort Worth Area Habitat for Humanity Inc

    9333 N Normandale St, Fort Worth · 11 miles away · Spanish

    • Budget and credit workshops
    • Pre-purchase counseling
    • and 1 more
    817-926-9219x119

Every agency in Tarrant County All counseling agencies in Texas

Help in Spanish near Saginaw

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Saginaw

HUD’s record names them for Saginaw or Tarrant County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Tarrant County Housing Assistance Office Section 8 vouchers (817) 531-7654

4 other authorities have an office in Tarrant County: see the list Source: HUD

Cities

Other cities in Tarrant County

These cities are also in Tarrant County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Tarrant County Housing in Texas
See 12 more cities in Tarrant County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Saginaw, with the typical home value.

Neighboring counties

If Tarrant County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Saginaw.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Saginaw

Short answers with the numbers for Saginaw and all of Tarrant County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Saginaw?

The typical home value in Saginaw is $298,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Tarrant County it is $323,900.

How much does it cost to rent in Saginaw?

Typical rent in Saginaw is $1,776 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Tarrant County is $1,745.

What is the FHA loan limit in Saginaw?

Saginaw uses the FHA limit for all of Tarrant County (2026): $563,500 for a one-unit home and $1,083,650 for a four-unit home.

How much property tax do owners pay in Saginaw?

The typical homeowner in Saginaw pays $4,942 a year, according to the U.S. Census Bureau. That is 1.66% of the home’s value; in Tarrant County, the rate is 1.65%.

Where can I find free help to buy or rent in Saginaw?

There are 5 HUD-approved counseling agencies with an office in Tarrant County. 4 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).