Example household · Phoenix, AZ · $83,730 · same pay · 1 adult

Saginaw skyline

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Phoenix vs Saginaw

Phoenix and Saginaw

Photo: Hsxeric / Wikimedia, CC BY-SA 4.0

Assumed income $83,730, same in both cities. Example, until you change it.

Same pay in both cities. One adult, one bedroom.

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So you know: homicide deaths in Saginaw are above the US rate in this release, 11.9 versus 6.5 per 100,000. CDC via County Health Rankings, CDC NVSS 2017–2023 (CHR 2025 release).

Why people look at Phoenix to Saginaw

In 2022-2023, 30 households filed a move from Phoenix to Saginaw (about 44 people, average adjusted gross income $83,767). Source: IRS migration.

A one-bedroom asking rent is about $1,277 in Phoenix and $856 in Saginaw. Phoenix has a state tax on wages. Saginaw has a state tax on wages. Local pay in Saginaw is 84% of the national level for the same work, against 97% in Phoenix.

Saginaw averages 166 sunny days, with July highs around 82°F and January nights around 23°F. Phoenix is 299 sunny days, 106°F in July, 46°F in January. Commutes average 22 minutes in Saginaw and 26 in Phoenix.

These figures are projections built from available public data. Conditions change, and the numbers may not reflect current prices, taxes, or immigration rules. Check official sources before you make decisions.

How we figure this

Who already made this move

In 2022-2023, 30 households moved Phoenix → Saginaw (about 44 people, average AGI $83,767). The reverse flow is too small for the IRS to publish.

Source: IRS SOI county-to-county migration. Not a moving company; not a recommendation.

The monthly number is take-home pay minus rent and the other bills. The gap between Phoenix and Saginaw changes with the job, remote or local pay, and bedrooms. How we figure this.

What the move itself costs

About 1,996 road miles, 1 bedroom. Typical ranges, not quotes.

Full-service mover
$3,800–$7,150
Container or pod
$2,750–$5,100
Rent a truck
$1,700–$3,150

Movers in Saginaw and how to hire one →

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Questions

Is Saginaw cheaper than Phoenix after tax and rent?

Yes. Saginaw leaves about $300 more a month, so the cost of living is lower there for this household. A one-bedroom is about $1,277 in Phoenix and $856 in Saginaw.

Does Saginaw have state income tax?

Saginaw is in Michigan, which taxes wage income, plus a local wage tax of 1.00%.

Did people actually move from Phoenix to Saginaw?

Yes, when the IRS published that flow. The count and their average income are on this page. Leftover prices the same household in both cities.