Saint Charles, Michigan.
Typical home $204,538 (+4.8% in a year). Saginaw, MI metro.
to buy the typical home at today's mortgage rate — +$623 (+138%) since Jan 2020.
- 1 year
- Up $9,362 +5%
- $195,177$204,538 since Sep 2025
- 5 years
- Up $53,753 +36%
- $150,785$204,538 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.
- Saint Charles$1,074
- 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 Saint Charles, MI rose 4.8% over the past year — faster than the nation's +1.2%.
Living in Saint Charles, Saginaw County, Michigan
Saint Charles is a village of 1,992 people in Saginaw County. Half its households earn more than $50,000 a year and half less, against $60,622 across Saginaw County; 15% of its people live below the poverty line. 69% of its homes are lived in by their owners and 31% 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 manufacturing.
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 It can be wrong or out of date.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. Saint Charles is a small village in Saginaw County, and its residents are older than in most places, with a median age well above what you'd find across the country. Most homes are lived in by their owners, and household incomes run below the county's. Winters are cold and snowy, with January highs just below freezing, while summers turn warm by July.
Work. Residents work mostly in schools, hospitals and social care, with manufacturing, shops and government also common. Relatively few adults hold a four-year degree, and the typical commute is a fairly long one. Across Saginaw County, some of the largest workplaces are Covenant Medical Center, Nexteer Automotive's Saginaw site and Hemlock Semiconductor Operations.
Things to do. The Hartley Outdoor Education Center, a protected area, and the Mahoney Site, an archaeological site, are both in or beside town. A short drive away are the Shiawassee National Wildlife Refuge and the Cass River. Farther afield, the USS Edson museum is a longer drive.
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- 858households
- 18%of adults have a degree
- 15%below the poverty line
- 27 mintypical commute
- 10%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 83° and lows near 62°. About 41 inches of snow and 34 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Saginaw #3 weather station, 12 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; Saint Charles 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
- Cold wavesRelatively high
- Strong windRelatively 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 Saint Charles’ 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.
Saint Charles home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Saint Charles$204,538
- 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.
- Saint Charles14
New listings per month
Sellers arriving at the market.
- Saint Charles6
Zip codes with a Saint Charles address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Saint Charles — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.