Saginaw, TX Cost Of Living

Demographics | Crime | Cost Of Living
Updated: 2025-10-24

Cost Of Living In Saginaw, TX Summary

Cost of living in Saginaw research summary. The cost of living index is set to 100 for the average place in the United States. A cost of living index above 100 means Saginaw is expensive. An index value below 100 means the city is a relatively cheap place to live.

On a city-by-city basis in Texas, home prices and rent have the biggest impact on the cost of living. Here are the key takeaways based on Saturday Night Science:

  • The cost of living index in Saginaw is 105, with 100 being the average.

  • The cost of living index in Saginaw is 1.1x higher than the national average.

  • Saginaw ranks as the #275 cheapest in Texas out of 414.

  • Saginaw ranks as the #3,177 cheapest out of 6,489 in the US.

  • The median home value in Saginaw is $299,591.

  • The median income in Saginaw is $98,003.

Table Of Contents

  1. Summary
  2. National Comparison
  3. Housing Breakdown
  4. Detailed Pricing
  5. Nearby Comparisons
105
Saginaw's Overall Cost Of Living
1.1x
Higher Than The National Average

What is the cost of living in Saginaw, TX?

According to the most recent data on the cost of living, Saginaw has an overall cost of living index of 105, which is 1.1x higher than the national index of 100.

Compared to Texas, Saginaw has a cost of living index that's 1.1x higher than Texas's index of 92.

The standard of living in Saginaw ranks as #275 most affordable out of the 414 places we measured in Texas. By definition, that implies Saginaw ranks as the #139 most expensive place in the Lone Star State.

For more reading on life in Saginaw, check out:

275 out of 414
In Texas
3,177 out of 6,489
In America

Saginaw Cost Of Living Vs. Texas

Six factors go into calculating the cost of living index in Saginaw. Here is how it fairs on each of the criteria:

  • The Services index in Saginaw is 106.

  • The Groceries index in Saginaw is 98.

  • The Health index in Saginaw is 109.

  • The Housing index in Saginaw is 113.

  • The Transportation index in Saginaw is 91.

  • The Utilities index in Saginaw is 112.

Living Expense Saginaw Texas National Average
Overall 105 92 100
Services 106 97 100
Groceries 98 97 100
Health 109 93 100
Housing 113 82 100
Transportation 91 94 100
Utilities 112 104 100
For more reading on cost of living around Texas, check out:
Saginaw Cost of Living Vs. TX

Saginaw, TX Housing Cost Breakdown

Housing swings affordability the most between places in Texas, so we broke down housing costs into more detail. Home and income data comes from the most recent US Census ACS 2019-2023. The key points are:

  • The Median Home Value in Saginaw is $299,591.

  • The Median Rent in Saginaw is $1,700.

  • The Median Income in Saginaw is $98,003.

  • The Home Value To Income in Saginaw is 3.1x.

  • The Rent To Monthly Income in Saginaw is 0.21x.

Statistic Saginaw Texas United States
Median Home Value $299,591 $298,905 $303,400
Median Rent $1,700 $1,339 $1,348
Median Income $98,003 $76,292 $78,538
Home Value To Income 3.1x 3.9x 3.9x
Rent To Monthly Income 0.21x 0.21x 0.21x
$299,591
Median Home Value
$1,700
Median Rent
$98,003
Median Income

Saginaw, TX Costs By Category

Detailed Saginaw Services Costs Vs. Texas

Item Saginaw Texas
Shampoo $1.3 $1.28
Movie $14.6 $12.13
Bowling $24.53 $18
Haircut $33.29 $24.26
Beauty Salon $65.85 $45.56

Detailed Saginaw Groceries Costs Vs. Texas

Item Saginaw Texas
Ground Beef $5.23 $5.84
Fried Chicken $1.74 $1.57
Milk $4.65 $4.67
Potatoes $4.93 $4.93
Pizza $11.3 $12.09
Beer $10.93 $10.41
Toothpaste $3.57 $3.7

Detailed Saginaw Health Costs Vs. Texas

Item Saginaw Texas
Optometrist $143.73 $125.68
Doctor $140.69 $135.78
Dentist $130.53 $113.29

Detailed Saginaw Transportation Costs Vs. Texas

Item Saginaw Texas
Gasoline $3.09 $3.46
Tire Balancing $52.04 $59.92

Detailed Saginaw Utilities Costs Vs. Texas

Item Saginaw Texas
All Electricity $219.02 $193.99
Phone $208.71 $192.25

Saginaw SnackAbility

7
/10
Overall SnackAbility
Jobs
8.5/10
Housing
8.5
Affordability
8.5
Diversity
9
Safety
6
Amenities
9
Education
7
Commute
6

Cost Of Living In Cities Around Saginaw

The cost of living varies in the cities and towns around Saginaw. Here's a quick look at the cost of living in the most populous nearby places:

  • Fort Worth, TX has a cost of living index of 103, 1.0x Saginaw.

  • Flower Mound, TX has a cost of living index of 135, 1.3x Saginaw.

  • North Richland Hills, TX has a cost of living index of 110, 1.0x Saginaw.

City Population Cost Of Living Vs. Saginaw
Fort Worth, TX 941,311 103 1.0x
Flower Mound, TX 77,886 135 1.3x
North Richland Hills, TX 70,338 110 1.0x
Euless, TX 60,373 109 1.0x
Grapevine, TX 50,875 126 1.2x
Bedford, TX 49,191 111 1.1x
Keller, TX 45,598 134 1.3x
Hurst, TX 39,912 109 1.0x
Southlake, TX 31,044 163 1.6x
Colleyville, TX 25,906 157 1.5x

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