Saginaw, MI metro area: home price history and building permits
Michigan1 county187,688 residents (2025 estimate)
- FHFA quarterly index to 2026 Q2
- FHFA annual index 1976 to 2025
- Developmental index
- Release of
The FHFA annual house price index for Saginaw, MI increased by 90.6% from 2015 to 2025. From 2020 to 2025, the index increased by 54.0%. From 2024 to 2025, the index increased by 3.8%. From 2025 Q2 to 2026 Q2, the quarterly index increased by 4.3%.
2015
+90.6%
From 2015 to 2025, the FHFA annual all-transactions index for Saginaw, MI increased by 90.6%.
From 2015 to 2025, the average change in each year is +6.7%, compounded.
| Area | Change | Bar |
|---|---|---|
| Saginaw, MI | +90.6% | |
| Michigan | +96.7% | |
| United States | +85.0% |
- Saginaw, MI
- United States, set to the same start
- Recession (NBER dates)
- Your span
The line is FHFA's quarterly index, through 2026 Q2. The calculator and the tables use FHFA's annual index of the area.
Index values for each year
| Year | Index | Change from the year before |
|---|---|---|
| 2025 | 527.82 | +3.8% |
| 2024 | 508.41 | +7.7% |
| 2023 | 472.04 | +8.5% |
| 2022 | 435.03 | +12.9% |
| 2021 | 385.21 | +12.4% |
| 2020 | 342.71 | +2.7% |
| 2019 | 333.70 | +6.8% |
| 2018 | 312.59 | +5.7% |
| 2017 | 295.70 | +3.1% |
| 2016 | 286.86 | +3.6% |
| 2015 | 276.91 | +2.3% |
| 2014 | 270.64 | +2.2% |
| 2013 | 264.89 | +2.0% |
| 2012 | 259.82 | −2.2% |
| 2011 | 265.62 | −4.0% |
| 2010 | 276.83 | −5.5% |
| 2009 | 292.92 | −6.6% |
| 2008 | 313.71 | −5.1% |
| 2007 | 330.65 | −4.3% |
| 2006 | 345.43 | −1.5% |
| 2005 | 350.57 | +2.5% |
| 2004 | 341.88 | +2.5% |
| 2003 | 333.53 | +1.8% |
| 2002 | 327.52 | +2.2% |
| 2001 | 320.34 | +5.0% |
| 2000 | 304.98 | +4.8% |
| 1999 | 290.89 | +4.1% |
| 1998 | 279.42 | +5.2% |
| 1997 | 265.52 | +5.2% |
| 1996 | 252.30 | +6.0% |
| 1995 | 238.10 | +6.5% |
| 1994 | 223.61 | +4.4% |
| 1993 | 214.21 | +1.8% |
| 1992 | 210.38 | +3.6% |
| 1991 | 203.08 | +3.5% |
| 1990 | 196.30 | +4.9% |
| 1989 | 187.05 | +7.2% |
| 1988 | 174.48 | +6.3% |
| 1987 | 164.18 | +2.5% |
| 1986 | 160.21 | +2.6% |
| 1985 | 156.12 | +0.5% |
| 1984 | 155.27 | +2.5% |
| 1983 | 151.54 | +5.6% |
| 1982 | 143.51 | −11.0% |
| 1981 | 161.19 | −1.4% |
| 1980 | 163.56 | +3.4% |
| 1979 | 158.25 | +22.4% |
| 1978 | 129.26 | +21.7% |
| 1977 | 106.20 | +6.2% |
| 1976 | 100.00 | n/a |
Each figure is the change of the FHFA annual all-transactions index, from the year that you pick to 2025. It is a change for the area. It is not the change in the value of your home, and it does not use the price that you paid.
The average for each year is a compounded annual change. The guide to values explains more.
When using the FHFA House Price Calculator, please note that it does not project the actual value of any particular house.
FHFA, about its own House Price Calculator: Federal Housing Finance Agency, House Price Index Datasets, HPI Calculator, copied on . The calculator of FHFA uses quarterly figures. For the states and the 100 largest metro areas it uses the purchase-only index. Its figures can differ from the figures here.
Since the last FHFA release
No recorded FHFA release changed a figure of Saginaw, MI. The record of releases starts with the next FHFA release. FHFA releases recorded by this site
Same span, every level
| Area | 1 year2024 to 2025 | 5 years2020 to 2025 | 10 years2015 to 2025 | 20 years2005 to 2025 | Since 20002000 to 2025 | Each yearaverage of 10 years |
|---|---|---|---|---|---|---|
| Saginaw, MI | +3.8% | +54.0% | +90.6% | +50.6% | +73.1% | +6.7% |
| Michigan | +4.7% | +51.6% | +96.7% | +67.0% | +96.7% | +7.0% |
| United States | +2.8% | +47.0% | +85.0% | +79.1% | +158.3% | +6.3% |
Each row uses FHFA's annual all-transactions index and the same two years.
Drawdowns
A drawdown is a decline of 5% or more of the annual index from a peak.
| Peak | Low | Decline | Back at the peak |
|---|---|---|---|
| 2005 | 2012 | −25.9% | 2021 |
| 1980 | 1982 | −12.3% | 1987 |
Decade by decade
| Decade | Change | United States | Bar |
|---|---|---|---|
| 1980s1980 to 1990 | +20.0% | +68.2% | |
| 1990s1990 to 2000 | +55.4% | +33.9% | |
| 2000s2000 to 2010 | −9.2% | +29.7% | |
| 2010s2010 to 2020 | +23.8% | +35.5% | |
| 2020s so far2020 to 2025 | +54.0% | +47.0% |
The index is 100 in the first year with a value for the area (1976 here). The change in a decade is the index at the end of the decade divided by the index at the start. The base year has no effect on it.
Building permits in the area
In the 12 months to August 2026, building permits in the county of the area authorized 170 housing units. That is 0.9 units for each 1,000 residents.
- Units in buildings with 1 unit
- Units in buildings with 2 or more units
Units for each month
| Month | All units | 1 unit | 2 or more units |
|---|---|---|---|
| Aug 2026 | 21 | 14 | 7 |
| Jul 2026 | 18 | 13 | 5 |
| Jun 2026 | 10 | 10 | 0 |
| May 2026 | 20 | 20 | 0 |
| Apr 2026 | 24 | 11 | 13 |
| Mar 2026 | 7 | 7 | 0 |
| Feb 2026 | 16 | 12 | 4 |
| Jan 2026 | 7 | 5 | 2 |
| Dec 2025 | 7 | 7 | 0 |
| Nov 2025 | 12 | 12 | 0 |
| Oct 2025 | 14 | 14 | 0 |
| Sep 2025 | 14 | 12 | 2 |
| Aug 2025 | 16 | 8 | 8 |
| Jul 2025 | 18 | 16 | 2 |
| Jun 2025 | 14 | 12 | 2 |
| May 2025 | 10 | 10 | 0 |
| Apr 2025 | 22 | 18 | 4 |
| Mar 2025 | 21 | 13 | 8 |
| Feb 2025 | 14 | 10 | 4 |
| Jan 2025 | 10 | 10 | 0 |
| Dec 2024 | 7 | 7 | 0 |
| Nov 2024 | 11 | 7 | 4 |
| Oct 2024 | 16 | 14 | 2 |
| Sep 2024 | 13 | 11 | 2 |
| Aug 2024 | 14 | 14 | 0 |
| Jul 2024 | 17 | 13 | 4 |
| Jun 2024 | 13 | 11 | 2 |
| May 2024 | 16 | 14 | 2 |
| Apr 2024 | 19 | 15 | 4 |
| Mar 2024 | 9 | 9 | 0 |
| Feb 2024 | 12 | 10 | 2 |
| Jan 2024 | 7 | 7 | 0 |
| Dec 2023 | 7 | 7 | 0 |
| Nov 2023 | 11 | 11 | 0 |
| Oct 2023 | 18 | 10 | 8 |
| Sep 2023 | 10 | 10 | 0 |
| Aug 2023 | 11 | 11 | 0 |
| Jul 2023 | 9 | 7 | 2 |
| Jun 2023 | 39 | 35 | 4 |
| May 2023 | 17 | 11 | 6 |
| Apr 2023 | 7 | 7 | 0 |
| Mar 2023 | 16 | 8 | 8 |
| Feb 2023 | 14 | 12 | 2 |
| Jan 2023 | 9 | 9 | 0 |
| Dec 2022 | 10 | 10 | 0 |
| Nov 2022 | 8 | 8 | 0 |
| Oct 2022 | 25 | 3 | 22 |
| Sep 2022 | 18 | 16 | 2 |
| Aug 2022 | 15 | 13 | 2 |
| Jul 2022 | 18 | 15 | 3 |
| Jun 2022 | 21 | 15 | 6 |
| May 2022 | 16 | 13 | 3 |
| Apr 2022 | 18 | 13 | 5 |
| Mar 2022 | 15 | 11 | 4 |
| Feb 2022 | 19 | 19 | 0 |
| Jan 2022 | 10 | 10 | 0 |
| Dec 2021 | 0 | 0 | 0 |
| Nov 2021 | 0 | 0 | 0 |
| Oct 2021 | 0 | 0 | 0 |
| Sep 2021 | 0 | 0 | 0 |
- Units in buildings with 1 unit
- Units in buildings with 2 or more units
Units for each year
| Year | All units | 1 unit | 2 or more units |
|---|---|---|---|
| 2025 | 210 | 141 | 69 |
| 2024 | 141 | 121 | 20 |
| 2023 | 190 | 138 | 52 |
| 2022 | 175 | 143 | 32 |
| 2021 | 195 | 180 | 15 |
| 2020 | 245 | 148 | 97 |
| 2019 | 248 | 139 | 109 |
| 2018 | 333 | 179 | 154 |
| 2017 | 335 | 182 | 153 |
| 2016 | 281 | 149 | 132 |
| 2015 | 382 | 156 | 226 |
| 2014 | 214 | 104 | 110 |
| 2013 | 211 | 128 | 83 |
| 2012 | 212 | 109 | 103 |
| 2011 | 177 | 91 | 86 |
| 2010 | 137 | 113 | 24 |
| 2009 | 116 | 88 | 28 |
| 2008 | 144 | 142 | 2 |
| 2007 | 240 | 173 | 67 |
| 2006 | 270 | 236 | 34 |
| 2005 | 582 | 484 | 98 |
| 2004 | 618 | 604 | 14 |
| 2003 | 699 | 652 | 47 |
| 2002 | 630 | 605 | 25 |
| 2001 | 530 | 490 | 40 |
| 2000 | 972 | 630 | 342 |
| 1999 | 609 | 534 | 75 |
| 1998 | 553 | 553 | 0 |
| 1997 | 449 | 449 | 0 |
| 1996 | 509 | 509 | 0 |
| 1995 | 508 | 508 | 0 |
The counts are the sums of the county files of the Building Permits Survey for the counties of the area (OMB delineation of July 2023).
Counties of the area
| County | State | 1 year | 10 years | Units, 12 months |
|---|---|---|---|---|
| Saginaw County | MI | +3.8% | +90.6% | 170 |
Agency pages
- FHFA House Price IndexFederal Housing Finance AgencyThe index page of FHFA: data, tools and the release dates.
- FHFA HPI CalculatorFederal Housing Finance AgencyThe calculator of FHFA. It works by quarter, for a state or a metro area.
- Building Permits SurveyUS Census BureauThe survey of housing units that building permits authorize.
Each link loaded on .
Cite this page
Home Value Trail. Saginaw, MI home price history. https://homevaluetrail.com/metro/40980-saginaw/. Source: Federal Housing Finance Agency, annual house price index for CBSAs (developmental); US Census Bureau, Building Permits Survey. FHFA release of .
Where the figures come from
- Index
- FHFA annual house price index for CBSAs, all transactions, 1976 to 2025. Release of March 31, 2026. The line: FHFA quarterly all-transactions index for the metropolitan area, through 2026 Q2.
- Other levels
- FHFA annual indexes for the states and the United States, from the same release.
- Building permits
- US Census Bureau, Building Permits Survey, county files through August 2026, added for the counties of the area.
- Counties of the area
- OMB delineation of core based statistical areas, July 2023.
- Residents
- US Census Bureau, population estimates for 2025.
All files are works of the US government, in the public domain. To report an error, see Corrections.
Questions
- Which years had the largest changes in the index for Saginaw, MI?
- The largest increase in one year was 22.4%, from 1978 to 1979. The largest decrease in one year was 11.0%, from 1981 to 1982.
- How did the index for Saginaw, MI change over 20 years?
- From 2005 to 2025, the index for Saginaw, MI increased by 50.6%. In the same years, the index for Michigan increased by 67.0%. In the same years, the index for the United States increased by 79.1%.
- What is the highest value of the index for Saginaw, MI?
- The index is 100 in 1976, the first year with a value for this area. The highest annual value is 527.82, in 2025.
- Which counties are in the Saginaw, MI area?
- The area has 1 county in the delineation of July 2023. The Census Bureau estimates 187,688 residents for 2025.