Hemlock, Michigan.
Typical home $247,982 (+4.8% in a year). Saginaw, MI metro.
to buy the typical home at today's mortgage rate — +$744 (+134%) since Jan 2020.
- 1 year
- Up $11,311 +5%
- $236,671$247,982 since Sep 2025
- 5 years
- Up $61,267 +33%
- $186,715$247,982 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Hemlock$1,302
- Michigan$1,384
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 12 years.
Typical home values in Hemlock, MI rose 4.8% over the past year — faster than the nation's +1.2%.
Living in Hemlock, Saginaw County, Michigan
Hemlock, in Saginaw County, had 1,408 people in the 2020 census. 87% of its homes are lived in by their owners and 13% are rented. Unemployment in Saginaw County was 5.8% in August 2026, and the county had 0.9% more jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Hemlock is a small community in Saginaw County, Michigan. Most homes are lived in by their owners, and the share of renters is small. Residents are a little older than in many American towns, and fewer than in most places live below the poverty line. Winters are cold and snowy, with January the coldest month, while July brings warm summer days, and precipitation is spread through the year.
Work. Many residents work in schools, hospitals and social care, with shops, restaurants and hotels, and manufacturing also giving work to a good number. Among the largest workplaces in Hemlock are the Hemlock Public School District, Covenant HealthCare and The Andersons. Hardly anyone works from home, so most people travel to a job.
Things to do. The Chippewa Nature Center is a botanical garden and nature area, a longer drive away. The Shiawassee National Wildlife Refuge, a protected area, is also a longer drive away, as is the USS Edson, a museum. Several rivers, among them the Saginaw River and the Tittabawassee River, run through the surrounding county, each a longer drive away.
Report a mistake
- 567households
- 29%of adults have a degree
- 8%below the poverty line
- 1%work from home
What residents work in
Employed residents by industry, from the Census survey. Saginaw County had 80,210 jobs in 2025, 0.9% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 30° and lows near 16°; warmest in July, with highs near 82° and lows near 61°. About 49 inches of snow and 32 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Saginaw Mbs International Airport weather station, 11 miles away (NOAA).
Largest workplaces in Hemlock
- Hemlock Public School DistrictSchool district142FTE
- Covenant HealthCareMedical care management services22
- The AndersonsGrain elevators merchant wholesalers grain21
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 2 workplaces with 20 or more staff, 43 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Winter weatherRelatively high
- Strong windRelatively high
- Cold wavesRelatively high
- HailRelatively moderate
- TornadoesRelatively moderate
- Inland floodingRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Hemlock’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Saginaw County and the Saginaw, MI metro.
Hemlock home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Hemlock$247,982
- Michigan$263,760
- United States$366,157
Sellers are cutting prices on about 1 in 4 Hemlock listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
Not enough data to draw this yet.
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Hemlock17
New listings per month
Sellers arriving at the market.
- Hemlock8
Zip codes with a Hemlock address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Hemlock — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.