Median home value in zip code 48638 (Saginaw, MI) is $191,393, up 7.0% year over year. Part of the Saginaw, MI metropolitan area.

Home Value$191,393

YoY Change

+7.0%

Prices rising — worse for buyers.

Affordability

Enter your income for 48638 (Saginaw).

Income (annual)

Down Payment

$38,279 on $191,393

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

Affordable21.6% of income

Under the 28% guideline.

PITI$1,347

P/I21.6%

Afford$249K

Room+$57K

P&I $968Tax $246Ins $133

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

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

Metro Analysis

48638 is part of the Saginaw, MI metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

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