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SAGINAW, MI 48604

Real Estate Market Report  ·  Saginaw County
Buyer's Market
January 2026  ·  Source: Realtor.com

Market Overview

Active Listings
26
⇧ 23.8% vs 21 last year
Pending
13
50% pending ratio
Median Price
$164,500
⇧ 5.3% vs $156,150 last year
Average Price
$247,536
⇧ 48.9% vs $166,271 last year
Days on Market
69
⇧ 40.8% vs 49 days last year

Market Context

Population: 11,793  ·  Density: 173.5/mi²  ·  Median household income: $52,285

Typical home value: $84,977  ·  Homeownership: 76.2%

Market Analysis

Data as of January 2026. Source: Realtor.com.

The SAGINAW, MI real estate market (48604) currently shows 26 active listings, with 13 pending sales. Homes are averaging 69 days on the market before going under contract.

Inventory has increased compared to last year, with 5 more homes available — giving buyers more choice.

Homes are taking longer to sell, averaging 69 days on market compared to 49 days last year.

The median listing price has risen 5.3% year-over-year, from $156,150 to $164,500.

Whether you are buying or selling in SAGINAW, MI, SELL123.com can help you save significantly on commission — typically 2% compared to traditional 5% broker fees. Call (240) SELL-123 for a free consultation.

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Market Trends

Inventory & Days on Market

Year over Year
  • Listings: 26 this year vs 21 last year
  • Days on market: 69 now vs 49 last year

Median & Average Pricing

Year over Year
  • Median: $164,500 (+5.3% YoY)
  • Average: $247,536 (+48.9% YoY)

12-Month Price Trend

Median & Average
  • Median and average listing prices over the past 12 months

12-Month Inventory Trend

Active & Pending
  • Active and pending listing counts over the past 12 months

Historical Trend Charts

Median Price
Average Price
Days on Market
Total Listings
Pending Listings
Active Listings
New Listings

Nearby Real Estate Markets

Median Price Legend:
< $250K
$250K–$500K
$500K–$1M
$1M–$2M
> $2M
25 Nearby Zip Code Markets within 19.4 miles — 585 listings ($122,028,433 combined market value)
Zip City / State Distance Listings Market Value Median $ Average $
48604Saginaw, MI 486040.0 mi26$6,435,936$164,500$247,536
48603Saginaw, MI 486034.3 mi63$19,148,787$289,900$303,949
48602Saginaw, MI 486025.4 mi154$16,046,492$90,000$104,198
48708Bay City, MI 487086.9 mi72$13,129,272$139,900$182,351
48601Saginaw, MI 486017.4 mi106$9,926,052$78,700$93,642
48609Saginaw, MI 4860910.0 mi29$11,251,130$239,400$387,970
48611Auburn, MI 4861111.5 mi14$3,872,246$224,900$276,589
48722Bridgeport, MI 4872212.1 mi8$2,384,264$220,000$298,033
48757Reese, MI 4875714.2 mi11$1,986,600$167,500$180,600
48734Frankenmuth, MI 4873414.6 mi23$9,418,822$351,000$409,514
48655Saint Charles, MI 4865517.4 mi14$3,147,214$194,900$224,801
48634Linwood, MI 4863418.4 mi7$1,382,080$219,900$197,440
48642Midland, MI 4864219.4 mi58$23,899,538$369,000$412,061

Frequently Asked Questions

How many homes are for sale in SAGINAW, MI 48604?

As of January 2026, there are 26 active listings in SAGINAW, MI (zip code 48604), compared to 21 the prior year.

What is the median home price in SAGINAW, MI 48604?

The median listing price in SAGINAW, MI 48604 is $164,500 as of January 2026, a 5.3% increase from $156,150 the prior year.

How long do homes stay on the market in SAGINAW, MI?

Homes in SAGINAW, MI 48604 spend an average of 69 days on the market before going under contract, compared to 49 days the prior year.

Is it a seller's or buyer's market in SAGINAW, MI 48604?

Based on current inventory and days-on-market data as of January 2026, SAGINAW, MI 48604 is currently a Buyer's Market. Inventory has increased compared to last year, with 5 more homes available — giving buyers more choice. Homes are taking longer to sell, averaging 69 days on market compared to 49 days last year.

How much can I save on real estate commission in SAGINAW, MI?

With SELL123.com's maximum 3% commission, sellers in SAGINAW, MI 48604 save an estimated $3,290 compared to a typical 5% commission on the median listing price of $164,500. Our fee structure: 1% listing + 2% selling broker — no additional buyer or seller fees. Call (240) SELL-123 or email info@SELL123.com for a free consultation.