Saginaw, Minnesota.
Typical home $350,144 (+7.1% in a year). Duluth, MN-WI metro.
to buy the typical home at today's mortgage rate — +$1,040 (+130%) since Jan 2020.
- 1 year
- Up $23,354 +7%
- $326,790$350,144 since Sep 2025
- 5 years
- Up $80,610 +30%
- $269,533$350,144 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.
- Saginaw$1,838
- Minnesota$1,831
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 13 years.
Typical home values in Saginaw, MN rose 7.1% over the past year — faster than the nation's +1.2%.
Living in Saginaw, St. Louis County, Minnesota
The Census does not count Saginaw on its own, so the figures here are St. Louis County's. Half the county's households earn more than $70,069 a year and half less; 13% of the county's people live below the poverty line. 71% of the county's homes are lived in by their owners and 29% are rented. Unemployment in St. Louis County was 5.4% in August 2026, and the county had 0.4% fewer jobs in 2025 than the year before. The most people in St. Louis County work in schools and health care, then shops.
Written by AI Claude Haiku 5.5 wrote this on 22 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 It can be wrong or out of date.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. Saginaw sits in St. Louis County in northeastern Minnesota, and the figures for the area are the county's. Across the county, most homes are lived in by their owners, and the typical resident is in the middle years of life. Winters are colder than in most of the country, with the coldest weather in January and the warmest in July, and the area gets a good deal of rain and melted snow over the year.
Work. Many residents work in schools, hospitals and social care, in shops, in restaurants, hotels and entertainment, or in professional and business services. Unemployment across the county is higher than it was a year earlier, and the county has slightly fewer jobs than the year before. Commutes are generally brief, and a portion of people work from home.
Things to do. Jay Cooke State Park is a protected area a longer drive away, and the Lake Superior Zoo is a zoo a longer drive away. For a nearer outing, Grand Lake is a lake a short drive away.
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- 87,115households
- 41.2median age
- 34%of adults have a degree
- 13%below the poverty line
- 20 mintypical commute
- 11%work from home
What people in St. Louis County work in
Employed residents by industry, from the Census survey. St. Louis County had 95,078 jobs in 2025, 0.4% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 18° and lows near 1°; warmest in July, with highs near 76° and lows near 56°. About 31 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Duluth Weather Service weather station, 13 miles away (NOAA).
Largest workplaces in St. Louis County
- St. Lukes Hospital of DuluthGeneral hospital2,059FTE
- St. Marys Medical CenterGeneral hospital1,859FTE
- Smdc Medical CenterGeneral hospital1,607FTE
- University of Minnesota-DuluthUniversity or college1,539
- Duluth Public School DistrictSchool district1,287FTE
- St. Louis CountyGeneral government815
- Essentia HealthMedical office management services746
- Range Regional Health ServicesGeneral hospital692FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 343 workplaces with 20 or more staff, 41,741 people in all. Hospitals come from their Medicare cost reports (CMS, 2023), colleges from IPEDS (NCES, 2023–24) and school districts 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
- Cold wavesVery high
- Winter weatherVery high
- LightningVery high
- Inland floodingRelatively moderate
- Heat wavesRelatively moderate
- HailRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across St. Louis County, against the rest of the country; all of them together, relatively moderate. 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 St. Louis County and the Duluth, MN-WI metro.
Saginaw home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Saginaw$350,144
- Minnesota$348,778
- 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.
- Saginaw10
New listings per month
Sellers arriving at the market.
Not enough data to draw this yet.
Zip codes with a Saginaw address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Saginaw — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.