Saginaw, TX—76131
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Saginaw, TX
As of Oct '25, the median home price in Saginaw, TX is $334,000, with a year-over-year change of -2.9%. This indicates that home prices in Saginaw, TX are decreasing. According to Zillow, the 1-year price projection is -0.4%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $334,000 | -2.9% |
| Single Family | $334,000 | -2.9% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $226,000 | -3.0% |
3 Bed | $297,000 | -3.3% |
4 Bed | $353,000 | -2.8% |
| 5 Bed | $404,000 | -2.7% |
% of Housing Stock
Rental Trends — Saginaw, TX
As of July '25, Rentcast reports the average rent in Saginaw, TX is $2,300, with a year-over-year rent change of 0.0%. Per bedroom, the median rent as of July '25 in Saginaw, TX is studios: $1,300, 1-bedrooms: $1,420, 2-bedrooms: $1,770, 3-bedrooms: $2,180, 4-bedrooms: $2,520. The most common rental property sizes in Saginaw, TX are 3-bedroom and 2-bedroom, accounting for 42.7% and 21.8% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,220 | $2,300 |
| Studio Rent | $1,300 | $1,300 |
| 1 Bed Rent | $1,380 | $1,420 |
| 2 Bed Rent | $1,700 | $1,770 |
| 3 Bed Rent | $2,150 | $2,180 |
| 4 Bed Rent | $2,400 | $2,520 |
% of Rental Stock
Property Listings — Saginaw, TX
As of Oct '25, Realtor.com reports that the median days on market for a home in Saginaw, TX is 53. This is a increase of 17.0% 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 32.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $349,000 | -2.0% |
Listing Count | 301 | -12.0% |
| Listings as % of Homes | 1.2% | -12.0% |
Days on Market | 53 | 17.0% |
Demographics — Saginaw, TX
As of the latest ACS Survey released in 2023, Saginaw, TX has a population of 53,200, which has increased by 31.5% over the past 5 years. Saginaw, TX is a popular place for families, as children make up 28.7% of the population. The area has a moderately educated workforce, with 35.3% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 17.0% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 53,200 | 31.5% |
% Under 18 | 28.7% | -12.5% |
% Seniors | 8.2% | 18.8% |
% WFH | 17.0% | 750.0% |
% w/ College Degree | 35.3% | 13.9% |
As of the latest ACS Survey released in 2023, Saginaw, TX is a predominantly white area, with 42.0% of the population identifying as white. The white population has shrunk by 13.9% in the last 5 years. The second most common race or ethnicity in Saginaw, TX is hispanic, making up 27.3% of the population. Foreign-born residents account for 16.2% of the population in Saginaw, TX, and this percentage has increased by 20.9% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 42.0% | -13.9% |
% Black | 15.5% | 22.0% |
% Hispanic | 27.3% | 1.9% |
% Asian | 11.6% | 58.9% |
% Foreign Born | 16.2% | 20.9% |
Mortgage and Risk — Saginaw, TX
According to HUD data as of 2023, there were 955 mortgage originations in Saginaw, TX, of which 61.0% of loans were conventional mortgages. The average loan-to-value was 79.0%, with 53.0% above 90% LTV (very high). This implies large mortgage risk in Saginaw, TX. Investor activity is low, as 2.0% of loans were by investors. 8.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 955 |
% Conventional Loans | 61.0% |
% Government Loans | 39.0% |
% Investor Loans | 2.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 8.0% |
Loan Activity
Rentals and Section 8 — Saginaw, TX
As of 2024, the percent of homes in Saginaw, TX under the Section 8 program is 6.7%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In Saginaw, TX, all tracked home sizes have HUD payment amounts above market rent, suggesting strong Section 8 opportunity across the board.
Section 8 Market Size
Total Units under HUD | 356 |
Total Units Section 8 | 356 |
% Rentals under Section 8 | 6.7% |
% Occupied Section 8 | 79.6% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $510 | $1,380 | $1,890 |
| 2 Bedroom | $500 | $1,700 | $2,200 |
| 3 Bedroom | $760 | $2,150 | $2,910 |
| 4 Bedroom | $1,150 | $2,400 | $3,550 |
Affordability — Saginaw, TX
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.5 |
| Median Home Price | $334,000 |
| Median Household Income | $104,000 |