The median home in Saginaw, Minnesota is valued at $321,318, up 9.0% year over year. Saginaw is part of the Duluth, MN-WI metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$321,318

+9.0%

Prices rising — worse for buyers.

Affordability

Enter your income for Saginaw.

Income (annual)

Down Payment

$64,264 on $321,318

Example: $75,000 household income. Change it above to see your own.

Stretch33.2% of income

Above 28% but manageable with cuts.

PITI$2,075

P/I33.2%

Afford$271K

Gap-$50K

P&I $1,625Tax $300Ins $150

6.50% 30yr, 20% down, county tax + MN ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Minnesota

Compare Saginaw with other housing markets across Minnesota.

Minnetonka Beach$2.22M Woodland$1.62M Greenwood$1.6M Sunfish Lake$1.16M Orono$1.08M Medicine Lake$1.08M Tonka Bay$1.06M Deephaven$1.02M

Full Duluth, MN-WI analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Duluth, MN-WI metro.

View Duluth, MN-WI metro

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Saginaw, MN