Saginaw, MN—55779
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Saginaw, MN
As of Oct '25, the median home price in Saginaw, MN is $332,000, with a year-over-year change of 5.3%. This indicates that home prices in Saginaw, MN are increasing. According to Zillow, the 1-year price projection is 2.3%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $332,000 | 5.3% |
| Single Family | $332,000 | 6.1% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $292,000 | 5.4% |
3 Bed | $367,000 | 6.1% |
4 Bed | $451,000 | 6.1% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Saginaw, MN
Saginaw, MN lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | N/A | N/A |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Saginaw, MN
As of Oct '25, Realtor.com reports that the median days on market for a home in Saginaw, MN is 82. This is a increase of 108.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 29.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $580,000 | 50.0% |
Listing Count | 7 | 72.0% |
| Listings as % of Homes | 0.2% | 72.0% |
Days on Market | 82 | 108.0% |
Demographics — Saginaw, MN
As of the latest ACS Survey released in 2023, Saginaw, MN has a population of 3,980, which has remained stable by 0.9% over the past 5 years. Saginaw, MN is a moderately popular place for families, as children make up 19.9% of the population. The area has a moderately educated workforce, with 27.6% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 19.8% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 3,980 | 0.9% |
% Under 18 | 19.9% | -7.0% |
% Seniors | 16.5% | 34.1% |
% WFH | 19.8% | 330.4% |
% w/ College Degree | 27.6% | 18.5% |
As of the latest ACS Survey released in 2023, Saginaw, MN is a predominantly white area, with 91.4% of the population identifying as white. The white population has shrunk by 1.7% in the last 5 years. The second most common race or ethnicity in Saginaw, MN is asian, making up 2.3% of the population. Foreign-born residents account for 1.1% of the population in Saginaw, MN, and this percentage has remained stable as of the ACS Survey 5 years prior, suggesting immigration has remained steady.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 91.4% | -1.7% |
% Black | 0.6% | -25.0% |
% Hispanic | 1.4% | -26.3% |
% Asian | 2.3% | 666.7% |
% Foreign Born | 1.1% | 0.0% |
Mortgage and Risk — Saginaw, MN
According to HUD data as of 2023, there were 130 mortgage originations in Saginaw, MN, of which 92.0% of loans were conventional mortgages. The average loan-to-value was 56.0%, with 12.0% above 90% LTV (elevated). This implies medium mortgage risk in Saginaw, MN. Investor activity is low, as 1.0% of loans were by investors. 10.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 130 |
% Conventional Loans | 92.0% |
% Government Loans | 8.0% |
% Investor Loans | 1.0% |
% Second Loans | 4.0% |
% Cash Out Refinance | 10.0% |
Loan Activity
Rentals and Section 8 — Saginaw, MN
Saginaw, MN lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 1 |
Total Units Section 8 | 1 |
% Rentals under Section 8 | 0.6% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,340 |
| 2 Bedroom | N/A | N/A | $1,710 |
| 3 Bedroom | N/A | N/A | $2,310 |
| 4 Bedroom | N/A | N/A | $2,870 |
Affordability — Saginaw, MN
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3 |
| Median Home Price | $332,000 |
| Median Household Income | $99,000 |