Detroit vs Saginaw leftover
Moving to Saginaw costs you $290 a month
$2,192/mo leftover in Saginaw vs $2,482 in Detroit after tax and rent ($290 less). −$3,480 a year for the same registered nurse, the same household size, and the same number of bedrooms. Not a cost-of-living index.
Detroit leftover
$2,482
a month after tax and rent
Saginaw leftover
$2,192
−$290 vs Detroit
Compare Detroit to another metro
Same paycheck. Try a different city next to Detroit.
Monthly gap
Detroit → Saginaw
$290
less / month in Detroit
$2,192 in Saginaw · $2,482 in Detroit · One adult, renting a 1-bedroom
Home
Only when you tap. We match the nearest metro and don't keep the coordinates.
Destination
In 2022-2023, 347 households moved Detroit → Saginaw (avg AGI $64,357). 448 went the other way. The whole move →
−$290 / mo
| Per month | Detroit | Saginaw | Difference |
|---|---|---|---|
| Gross pay | $7,625 | $6,559 | −$1,066 |
| Income and payroll tax | $2,049 | $1,570 | −$479 |
| Take-home pay | $5,576 | $4,989 | −$587 |
| Rent | $1,185 | $856 | −$329 |
| Getting around | $560 | $573 | +$13 |
| Groceries | $372 | $378 | +$6 |
| Healthcare | $419 | $425 | +$6 |
| Utilities | $233 | $236 | +$3 |
| Everything else | $326 | $330 | +$4 |
| Left over | $2,482 | $2,192 | −$290 |
To break even in Saginaw, you'd need to earn
$84,000
Household gross, versus $91,500 today. That's the salary that leaves you exactly as much at the end of the month as Detroit does now.
The tax difference alone
+$1,953
A year, in state and local income tax. Effective rates: 26.9% in Detroit, 23.9% in Saginaw.
More about Saginaw
Detroit, MI in full
Engineering wages against some of the cheapest urban housing in America.
Saginaw, MI in full
A flat 4.25% state income tax, a median 2-bedroom asking rent of $1,019 and 166 sunny days; commutes average 22 minutes.
The reverse move
Same two cities, but starting from Saginaw on Saginaw wages.
Saginaw → Detroit →Questions
Is the cost of living lower in Saginaw than Detroit?
A one-bedroom is about $1,185 in Detroit versus $856 in Saginaw. On a one-adult, one-bedroom household, leftover is about $290 a month lower in Saginaw. Change the job or household on the comparison to see your number.
Does Saginaw have state income tax?
Saginaw is in Michigan, which taxes wage income, plus a local wage tax of 1.00%.
What changes if you move from Detroit to Saginaw?
Take-home pay is recalculated under Michigan tax, rent is priced at the same bedroom count, and leftover is the gap. The from-to page also lists IRS households that already made the move, when that data exists.
Leftover is take-home after federal, state and city wage tax, minus asking rent at the bedroom count you set, minus a modelled month of groceries, utilities, healthcare, transport and childcare. It is not a cost-of-living index and not a moving quote. The dollar gap between Detroit and Saginaw moves when you change the job, remote versus local pay, or bedrooms. How the math works · Leftover vs a COL index · Why a cheaper COL% can still lose leftover.
Rent is Zillow's asking rent for each metro; taxes and living costs are modelled. An estimate, not a quote or tax advice. How this is calculated.