Most of Saginaw is in Saginaw County, where a full-time job needs to pay at least $25.11 an hour before taxes to take home four times the typical studio rent.
Across the 10 ZIP codes in Saginaw with HUD rent figures, studio rents run from $770 to $880 a month. At the middle rent, $790, a full-time job would need to pay $24.29 an hour before taxes.
What the standard would be at each ZIP code's own studio rent. The calculator and the official standard use the county figure.
| ZIP | County | Studio rent | Pay needed |
|---|---|---|---|
| 48601 | Saginaw County | $770/mo | $23.63/hr |
| 48602 | Saginaw County | $780/mo | $23.96/hr |
| 48603 | Saginaw County | $870/mo | $26.92/hr |
| 48604 | Saginaw County | $880/mo | $27.24/hr |
| 48605 | Saginaw County | $790/mo | $24.29/hr |
| 48606 | Saginaw County | $790/mo | $24.29/hr |
| 48607 | Saginaw County | $850/mo | $26.26/hr |
| 48608 | Saginaw County | $790/mo | $24.29/hr |
| 48609 | Saginaw County | $770/mo | $23.63/hr |
| 48638 | Saginaw County | $790/mo | $24.29/hr |
Under the Four Times Rent standard, a full-time job in Saginaw needs to pay at least $25.11 an hour before taxes, about $52,226 a year. That is the figure for Saginaw County, where the typical studio rent is $815 a month.
Yes. Across the 10 ZIP codes in Saginaw with HUD rent figures, studio rents run from $770 to $880 a month. At the middle rent of $790, the pay needed would be $24.29 an hour.
The minimum wage in Saginaw County is $13.73 an hour. The Four Times Rent standard there is 1.8 times that.
The Four Times Rent standard: a month of full-time work (160 hours) should take home at least four times the typical rent on a studio apartment in the county where the work is done. Rents: HUD FY2027 Fair Market Rents. Taxes: 2026 federal and state income taxes plus Social Security and Medicare, for a single filer. Why four times rent? · Method and data downloads