Saginaw Hourly Wage & Salary 2026
Saginaw, MI: $22.21/hr median hourly wage, $46,200 median annual salary, cost of living index 85.9, and $10.33/hr minimum wage. Calculate take-home pay with federal and Michigan taxes.
Saginaw Hourly Wage Quick Answer
The median hourly wage in Saginaw, MI is $22.21/hr,and the median annual wage is $46,200. Entry-level pay estimates around $13.77/hr, senior-level pay estimates around $31.54/hr, and the local minimum wage is $10.33/hr.
Median figures: BLS OEWS May 2025, all occupations, Saginaw, MI metropolitan statistical area (80,000 jobs). BLS publishes wages by metro area, not by city, so Saginaw shares this figure with the rest of its metro. Entry and senior levels are Salario estimates.
Median Salary
$46,200
$22.21/hr
Cost of Living
85.9
US avg = 100
Minimum Wage
$10.33
per hour
Unemployment
4.1%
rate
Saginaw, MI Overview
Population
44,202
Median Salary
$46,200
Average Salary
$59,450
Avg Commute
17 min
Median Home Price
$188,000
Median Rent
$774/mo
Job Growth
+2.4%
Sales Tax
6%
Saginaw is located in Michigan with a population of 44,202. The median annual wage across all occupations is $46,200 ($22.21/hour, BLS OEWS May 2025, Saginaw, MI metro), which is $4,780 below the national median of $50,980. The national median is the BLS OEWS May 2025 all-occupations median annual wage. The average commute time is 17 minutes, and the city has a job growth rate of +2.4%.
Saginaw Salary by Experience Level (2026)
Wage distribution in Saginaw, MI built around the $46,200 median salary (BLS OEWS May 2025, all occupations, Saginaw, MI metro). Entry-level represents 10th–25th percentile; mid-level is the median; senior-level represents 75th–90th percentile. The non-median rows are Salario estimates.
| Experience Level | Annual Salary | Hourly Wage | Years Exp |
|---|---|---|---|
| Entry-Level | $28,644 | $13.77/hr | 0–2 years |
| Mid-Level (Median) | $46,200 | $22.21/hr | 3–7 years |
| Senior-Level | $65,604 | $31.54/hr | 8–15 years |
| Top 10% (90th Percentile) | $82,236 | $39.53/hr | 15+ years / leadership |
Percentile multipliers (62%, 100%, 142%, 178%) are Salario approximations of the typical all-occupations wage spread in BLS OEWS metro tables; only the median row is a published BLS value. Specific roles vary; see jobs by city for role-specific data.
Saginaw Paycheck Calculator
Enter your annual salary to see your estimated take-home pay in Saginaw, MI, after federal, state, and local taxes.
Estimated Annual Take-Home Pay
$36,770
$3,064.16/month · $1,414.23/biweekly · Effective Rate: 20.4%
Biweekly paycheck estimate: this salary equals about $1,414.23 take-home per paycheck after estimated Michigan and federal taxes. For the 26-paycheck formula, three-paycheck months, and withholding examples, see the Biweekly Paycheck Calculator.
Gross Pay
$46,200
Federal Tax
-$3,364
State Tax
-$1,964
Local Tax
-$568
FICA
-$3,534
Net Pay
$36,770
Pay Breakdown
| Item | Monthly | Annual |
|---|---|---|
| Gross Salary | $3,850.00 | $46,200.00 |
| Federal Income Tax | -$280.33 | -$3,364.00 |
| Michigan State Tax (4.25% eff.) | -$163.63 | -$1,963.50 |
| Local Tax (1.23%) | -$47.36 | -$568.26 |
| Social Security (6.2%) | -$238.70 | -$2,864.40 |
| Medicare (1.45%) | -$55.82 | -$669.90 |
| Net Take-Home Pay | $3,064.16 | $36,769.94 |
Salary Comparison: Saginaw vs Other Cities
See how Saginaw's median salary and cost of living compare to the national average and similar cities.
| City | Median Salary | COL Index | Adj. Salary |
|---|---|---|---|
| Saginaw, MI | $46,200 | 85.9 | $53,783 |
| National Average | $50,980 | 100 | $50,980 |
| Port Huron, MI | $46,202 | 89.8 | $51,450 |
| Lynchburg, VA | $46,190 | 88 | $52,489 |
| Navarre, FL | $46,240 | 100 | $46,240 |
| Lakeland, FL | $46,140 | 92 | $50,152 |
Adjusted salary reflects purchasing power when cost of living is factored in. A higher adjusted salary means your money goes further.
Cost of Living in Saginaw
Saginaw's cost of living index is 85.9 (national average = 100). Living in Saginaw is 14.099999999999994% less expensive than the national average.
Median Home Price
$188,000
Median Monthly Rent
$774
Annual Rent Cost
$9,288
Your Salary's Purchasing Power
Your $36,770 annual take-home pay in Saginaw has the purchasing power of approximately $42,806 in an average-cost US area. Your $46,200 salary stretches further here than in most US cities.
Top Industries in Saginaw
Saginaw's economy is driven by these key industries. Workers in top industries often earn significantly above the median salary of $46,200.
Salary Tips for Saginaw Workers
- Your salary goes further here. Saginaw has a cost of living 14.099999999999994% below the national average. A salary of $46,200 here has the purchasing power of about $53,783 in an average-cost area.
- Research top industries. Saginaw's top industries include Automotive, Manufacturing, Agriculture. Targeting roles in these sectors can help you earn above the $46,200 median salary.
- Review your W-4 withholding. If you regularly receive large tax refunds, adjust your W-4 to increase your per-paycheck take-home pay instead of giving the government an interest-free loan.
Other Cities in Michigan
Shelby Township
Southfield
Southgate
St. Clair Shores
Sterling Heights
Taylor
Troy
Warren
Waterford Township
West Bloomfield
Westland
Wyoming
Methodology & Local Economy Data Sources
How we calculate Saginaw salary data: The median annual wage, median hourly wage and mean wage are the official BLS OEWS May 2025 all-occupations values for the Saginaw, MI metropolitan statistical area, retrieved from the BLS Public Data API on September 17, 2026. BLS does not publish city-level wages, so every city inside that metro shows the same figure. The entry/senior/top-10% rows, the paycheck estimate and the purchasing-power conversion are Salario calculations built on that median. Cost-of-living adjustments use the C2ER Cost of Living Index baseline of 100 (national average), with Saginaw indexed at 85.9.
- Median salary: $46,200 annual, $22.21 hourly, BLS OEWS May 2025, all occupations, Saginaw, MI MSA (80,000 jobs surveyed). Mean wage $59,450 (BLS). Salario's previous modeled median for Saginaw was $45,631.
- Tax burden reflects Michigan 2026 state income tax brackets and standard deduction (top rate 4.25%), plus Saginaw local tax of 1.23%, sales tax (6%), and federal taxes per IRS 2026 brackets.
- Unemployment rate for Saginaw: 4.1%, sourced from BLS Local Area Unemployment Statistics (LAUS).
- Top industries: Automotive, Manufacturing, Agriculture, based on QCEW employment concentration data.
- Job growth: 2.4% projected through 2034, derived from BLS Employment Projections program for Michigan.
- Housing context: median home price $188,000, median rent $774/mo, sourced from Census American Community Survey 5-year estimates.
Authoritative US data sources for Saginaw, MI:
- BLS Occupational Employment and Wage Statistics (OEWS), metropolitan area salary data
- BLS Local Area Unemployment Statistics, Saginaw unemployment rate
- U.S. Census Bureau, Saginaw QuickFacts, population, housing, demographics
- BLS Quarterly Census of Employment and Wages (QCEW), county-level industry employment
- BLS Economy at a Glance, Michigan, state economic indicators
- U.S. Bureau of Economic Analysis (BEA), local GDP and personal income data
- BLS Consumer Price Index (CPI-U), regional inflation tracking
Disclaimer: Salary and cost data are estimates for general guidance. Individual compensation varies by employer, experience, education, negotiation, and skills. Saginaw's rapidly changing economy can shift these baselines, always verify with current job listings, employer offers, and recent Michigan labor market reports for the most current figures.
Reviewed by Harlan Voss · Last updated September 17, 2026 · Wage figures: BLS OEWS May 2025 release (published May 2026) · Census data current as of latest releases
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Frequently Asked Questions
What is the hourly wage in Saginaw, MI?
The median hourly wage in Saginaw, MI is $22.21 per hour, the BLS OEWS May 2025 median for all occupations in the Saginaw, MI metropolitan area, and the BLS median annual wage is $46,200. Entry-level workers are estimated around $13.77/hr, while senior-level workers are estimated around $31.54/hr before overtime, bonuses, or benefits (Salario estimates, not BLS percentiles).
What is the median salary in Saginaw, MI?
The median salary in Saginaw, MI is $46,200 per year, or $22.21 per hour (BLS OEWS May 2025, all occupations, Saginaw, MI metro area). The BLS mean salary is $59,450. This is $4,780 below the BLS national median of $50,980.
What is the cost of living in Saginaw, MI?
Saginaw's cost of living index is 85.9 (national average = 100), meaning it is 14.099999999999994% less expensive compared to the national average. The median home price is $188,000 and the median monthly rent is $774.
What are the best industries in Saginaw?
The top industries in Saginaw, MI include Automotive, Manufacturing, Agriculture. The city has a job growth rate of 2.4% and an unemployment rate of 4.1%. Workers in these industries often earn above the city's median salary of $46,200.
How does Saginaw's salary compare to other cities?
Saginaw's median salary of $46,200 is 9.4% below the national median of $50,980. However, when adjusted for cost of living (index: 85.9), the real purchasing power is approximately $53,783.
What is the minimum wage in Saginaw, MI?
The minimum wage in Saginaw, MI is $10.33 per hour. This equals approximately $21,486 per year for a full-time worker (40 hours/week). This is $3.08 above the federal minimum wage of $7.25/hour.