Merrill, Michigan.
Typical home $207,341 (+5.8% in a year). Saginaw, MI metro.
to buy the typical home at today's mortgage rate — +$656 (+152%) since Jan 2020.
- 1 year
- Up $11,366 +6%
- $195,975$207,341 since Sep 2025
- 5 years
- Up $58,031 +39%
- $149,310$207,341 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.
- Merrill$1,088
- Michigan$1,384
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 11 years.
Typical home values in Merrill, MI rose 5.8% over the past year — faster than the nation's +1.2%.
Living in Merrill, Saginaw County, Michigan
Merrill is a village of 663 people in Saginaw County. 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 manufacturing, 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 It can be wrong or out of date.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. Merrill is a small village in Saginaw County, home to a very small number of people who tend to know one another. Residents are somewhat younger than in many small towns. Winters are cold, with January the coldest month and plenty of snow and rain through the year, while July brings warm days.
Work. Residents work mostly in manufacturing, shops, schools, hospitals and social care, and the building trades. Few adults hold a four-year degree, and very few work from home, so most people travel for the job, a fairly long drive. Across Saginaw County, some of the biggest employers are Covenant Medical Center, Nexteer Automotive Saginaw Site and Hemlock Semiconductor Operations.
Things to do. The Clark-Stringham Site, an archaeological site, is a short drive away. A longer drive brings you to the Shiawassee National Wildlife Refuge, a protected area, and to Dow Gardens, a botanical garden. The Saginaw River and the other nearby rivers are also a longer drive away.
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- 242households
- 11%of adults have a degree
- 30 mintypical commute
- 4%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 29° and lows near 17°; warmest in July, with highs near 82° and lows near 62°. About 33 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Midland weather station, 15 miles away (NOAA).
Largest workplaces in Saginaw County
- Covenant Medical CenterGeneral hospital3,666FTE
- Nexteer Automotive Saginaw SiteMotor vehicle steering and suspension components except spring manufacturing2,973
- MorleyMarketing management consulting services1,983
- Hemlock Semiconductor OperationsGraphite, natural, manufacturing1,799
- CooperGeneral medical and surgical hospitals1,708
- SolarTechManufacturing of semiconductors and related solid-state devices1,403
- St. Marys of MichiganGeneral hospital1,258FTE
- Veterans Health AdministrationFederal government · Department of Veterans Affairs1,179
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 214 workplaces with 20 or more staff, 30,786 people in all across the county; Merrill has one of its own. Hospitals come from their Medicare cost reports (CMS, 2023) and federal offices from OPM's federal workforce data (2026); 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 moderate
- Cold wavesRelatively moderate
- TornadoesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Merrill’s census tracts, against the rest of the country; all of them together, very 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.
Merrill home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Merrill$207,341
- Michigan$263,760
- United States$366,157
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
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Merrill11
New listings per month
Sellers arriving at the market.
Not enough data to draw this yet.
Zip codes with a Merrill address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Merrill — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.