Saginaw, MI
Monthly housing intelligence, market trends, and trusted local expertise.
As of the latest 2026 data
Median Listing
Pending Ratio
Active Inventory
Median DOM
Primary Intelligence Tool — Sold Score™
Will your home sell in today's accelerated Saginaw market?
Sold Score™ analyzes 40+ local data points to estimate your home's probability of sale in the next 60 days across Saginaw, MI.
Saginaw's housing market is exhibiting accelerated activity, with the pending ratio currently at 0.56, indicating a substantial portion of available inventory is moving into contract. This reflects a notable increase in absorption, as the pending ratio has risen by 5.1% year-over-year, despite a simultaneous 13.3% increase in active listings over the same period.
Local Market Signals
Source: FRED (St. Louis Fed)Local economic trends can influence how quickly homes sell and how much competition sellers may face.
Job Market
Unemployment rate · Sep 2026
Shows whether local employment conditions are supporting buyer demand.
U.S. Bureau of Labor Statistics via FRED (St. Louis Fed).
Population & Migration
Resident population · Jan 2025
Shows whether the area is gaining or losing potential housing demand.
U.S. Census Bureau via FRED (St. Louis Fed).
Future Housing Supply
Data not yet available.
Shows whether future inventory pressure may increase.
What's moving the Saginaw market right now.
Inventory levels have expanded significantly, with active listings up 13.3% over the past year, while new listings have contracted by 17.9%. Despite this increase in available homes, the market is absorbing supply at a quicker pace, evidenced by the 5.1% year-over-year increase in the pending ratio. This dynamic is occurring alongside a 7.0% year-over-year decline in the median listing price, suggesting a rebalancing of price expectations.
Market Trends
Median Price
Active Inventory
Days on Market
Sold Score™
Sold Score™ Over Time
Market liquidity index • 36 months
Price & Days on Market
Median listing vs market velocity
Inventory Dynamics
Total active listings vs new monthly supply
Sourced from Realtor.com RDC Inventory Core Metrics, supplemented by the Primpted research desk. Updated As of the latest 2026 data.
Market Signals & Indicators
The rising pending ratio suggests an accelerated pace of transaction activity, placing upward pressure on absorption. While active inventory has grown, the increased rate at which properties are going under contract implies that properties that meet market pricing are moving efficiently. This environment favors properties priced in alignment with current demand, requiring a disciplined approach to price setting to optimize sales velocity.
No distinct luxury-segment signal in this dataset.
520 active listings represent the current floor, with new supply arriving at roughly 202 per month.
of active listings carry a price reduction, +0.1% from prior period.
Median price per square foot has moved -0.1% year-over-year.
Pending-to-active ratio — Accelerated.
Recommended For This Market
AcceleratedSelling in Saginaw, MI? Homes here are taking 8 days longer to sell than last year.
Saginaw, MI is sitting near equilibrium. Preparation, pricing and timing decide whether a listing sells fast or lingers.
- Buyer Demand Index
- 56%
- Median Days on Market
- 54 days
- Inventory YoY
- +13%
Saginaw, MI is balanced, so preparation decides the outcome. Your Sold Score shows where you stand today.
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Metro Demographics
ZIPs in Saginaw, MI
48602
saginaw
$90K
126 active · 59 DOM
48706
bay city
$245K
103 active · 52 DOM
48601
saginaw
$58K
98 active · 61 DOM
48625
harrison
$165K
98 active · 64 DOM
48642
midland
$414K
91 active · 44 DOM
48653
roscommon
$272K
89 active · 62 DOM
48629
houghton lake
$242K
85 active · 79 DOM
48750
oscoda
$227K
83 active · 75 DOM
48624
gladwin
$264K
78 active · 51 DOM
48708
bay city
$130K
77 active · 52 DOM
48640
midland
$318K
68 active · 45 DOM
48603
saginaw
$280K
62 active · 51 DOM
48632
lake
$153K
56 active · 83 DOM
48661
west branch
$284K
55 active · 60 DOM
48651
prudenville
$250K
49 active · 58 DOM
48739
hale
$240K
47 active · 85 DOM
48703
au gres
$240K
46 active · 66 DOM
48656
saint helen
$175K
42 active · 56 DOM
Sorted by active inventory · click a ZIP for its full report