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Cost of Living Comparison 2026

๐Ÿ“ Saginaw, MI โ€” ZIP-level rent data ยท COL adjusted from Detroit, MI area

$

Numbers update automatically as you type

You'd spend $1.7K/month more in Denver, CO

$150.0K in your current city equals $170.7K in Denver, CO

Rent data from HUD ZIP-level estimates ยท COL index from area
Overall Cost
โ†‘ 22.9%
More expensive
Monthly Impact
$1,721
Extra cost
Annual Impact
$20.7K
Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Saginaw, MI

Population:43K
Cost Index:100
Median Home:$104K

Denver, CO

Population:716K
Cost Index:123
Median Home:$513K

Saginaw, MI

The Great Lakes State

43K
Population
State Tax
Yes

Located in Michigan, this city has a population of 43K residents.

Denver, CO

The Centennial State

716K
Population
State Tax
Yes
Climate
Semi-arid

Notable Facts

  • โ€ขMile-high city (5,280 ft)
  • โ€ขOutdoor recreation hub
  • โ€ขMajor cannabis market

Major Industries

AerospaceTechnologyEnergyTourism

Cost Breakdown by Category

Annual spending: Saginaw, MI vs Denver, CO

๐Ÿ Housing
โ†‘ 104.9%
Saginaw, MI
$1,585
Denver, CO
$3,248
Difference
$1,663
more
๐Ÿš—Transportation
โ†“ 8.5%
Saginaw, MI
$1,597
Denver, CO
$1,462
Difference
$136
less
๐Ÿ“ฆOther
โ†‘ 4.3%
Saginaw, MI
$1,702
Denver, CO
$1,774
Difference
$72.49
more
๐Ÿ›’Groceries
โ†‘ 7.5%
Saginaw, MI
$957
Denver, CO
$1,029
Difference
$72.05
more
๐ŸฅHealthcare
โ†‘ 11.2%
Saginaw, MI
$568
Denver, CO
$632
Difference
$63.47
more
โšกAll Utilities
โ†“ 7.6%
Saginaw, MI
$562
Denver, CO
$519
Difference
$42.88
less

๐Ÿ›๏ธ Local Income Taxes

Saginaw, MI: Saginaw City Income Tax$2,250/yr (1.5%)
Denver, CO: Denver Head Tax ($5.75/mo, negligible)$69.00/yr (0.0%)
Net difference-$2,181/yr

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

๐Ÿ Rent Comparison

Studio
From$798
To$1,720
โ†‘ $922
1 Bed
From$885
To$1,840
โ†‘ $955
2 Bed
From$1,159
To$2,190
โ†‘ $1,031
3 Bed
From$1,489
To$2,870
โ†‘ $1,381
Saginaw, MIZIP-level data

1BR range: $820โ€“$940/mo

Denver, COZIP-level data

1BR range: $1,620โ€“$2,540/mo

๐Ÿ’ก Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$6,972
Monthly in Saginaw, MI
$8,665
Monthly in Denver, CO
$1,693
Difference

Home Values

Saginaw
Denver
$104K
Median Value
$513K
โ†‘ +5%
YoY Change
โ†“ -4.2%
โ†‘ +42.4%
5-Year Change
โ†‘ +13%
$36K - $215K
Price Range
$352K - $933K

Homes in Denver are 394% more expensive than Saginaw

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
โ†“ $225
More taxes
Monthly Difference
$18.75
Less take-home
Effective Rate Diff
0.2%
Rate difference

Saginaw, MI

Federal Income Tax
Effective: 18.9%
$25.5K
Michigan State Tax
Effective: 4.3%
$6.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 28.9%
$43.4K
Take-Home Pay
$8,884/month
$106.6K

Denver, CO

Federal Income Tax
Effective: 18.9%
$25.5K
Colorado State Tax
Effective: 4.4%
$6.6K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.1%
$43.6K
Take-Home Pay
$8,866/month
$106.4K

Additional Tax Information

Saginaw, MI Tax Rates

Sales Tax:6.0%
Property Tax:1.4%

Denver, CO Tax Rates

Sales Tax:7.8%
Property Tax:0.5%

๐Ÿ’ก Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Saginaw
Denver
55 Moderate
Air Quality
55 Moderate
32.8%
Good Air Days
35.2%
99 High
Climate Risk
95 High
๐ŸŒŠ๐ŸŒก๐ŸŒช
Top Hazards
๐ŸŒŠ๐ŸŒช๐Ÿ’จ
โ–ฒ+3.1ยฐF
2050 Outlook
โ–ฒ+3.3ยฐF
10 days
Heat Days >95ยฐF
28 days
โ–ฒ+3.1ยฐF
2050 Outlook
โ–ฒ+3.3ยฐF
10 days
Heat Days >95ยฐF
28 days

๐Ÿ’ฐ See how taxes change too โ€” compare take-home pay between Michigan and Colorado on TaxTakeHome.com

Where your money goes further

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Similar cost to Denver, CO

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