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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 $631/month more in Raleigh, NC

$150.0K in your current city equals $157.6K in Raleigh, NC

Rent data from HUD ZIP-level estimates ยท COL index from area
Overall Cost
โ†‘ 8.4%
More expensive
Monthly Impact
$631
Extra cost
Annual Impact
$7.6K
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

Raleigh, NC

Population:474K
Cost Index:108
Median Home:$512K

Saginaw, MI

The Great Lakes State

43K
Population
State Tax
Yes

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

Raleigh, NC

The Tar Heel State

474K
Population
State Tax
Yes
Climate
Humid subtropical

Notable Facts

  • โ€ขResearch Triangle
  • โ€ขState capital
  • โ€ขMajor university town

Major Industries

TechnologyResearchEducationGovernment

Cost Breakdown by Category

Annual spending: Saginaw, MI vs Raleigh, NC

๐Ÿ Housing
โ†‘ 55.7%
Saginaw, MI
$1,585
Raleigh, NC
$2,469
Difference
$884
more
๐Ÿš—Transportation
โ†“ 19.6%
Saginaw, MI
$1,597
Raleigh, NC
$1,284
Difference
$313
less
๐ŸฅHealthcare
โ†‘ 5.7%
Saginaw, MI
$568
Raleigh, NC
$601
Difference
$32.49
more
โšกAll Utilities
โ†“ 2.8%
Saginaw, MI
$562
Raleigh, NC
$546
Difference
$15.56
less
๐Ÿ“ฆOther
โ†‘ 0.3%
Saginaw, MI
$1,702
Raleigh, NC
$1,707
Difference
$5.53
more
๐Ÿ›’Groceries
โ†‘ 0.2%
Saginaw, MI
$957
Raleigh, NC
$959
Difference
$2.10
more

๐Ÿ›๏ธ Local Income Taxes

Saginaw, MI: Saginaw City Income Tax$2,250/yr (1.5%)

Raleigh, NC has no local income tax.

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

๐Ÿ Rent Comparison

Studio
From$798
To$1,570
โ†‘ $772
1 Bed
From$885
To$1,640
โ†‘ $755
2 Bed
From$1,159
To$1,800
โ†‘ $641
3 Bed
From$1,489
To$2,255
โ†‘ $766
Saginaw, MIZIP-level data

1BR range: $820โ€“$940/mo

Raleigh, NCZIP-level data

1BR range: $1,400โ€“$1,880/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
$7,567
Monthly in Raleigh, NC
$595
Difference

Home Values

Saginaw
Raleigh
$104K
Median Value
$512K
โ†‘ +5%
YoY Change
โ†“ -0.5%
โ†‘ +42.4%
5-Year Change
โ†‘ +38.2%
$36K - $215K
Price Range
$314K - $992K

Homes in Raleigh are 393% 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†“ $750
More taxes
Monthly Difference
$62.50
Less take-home
Effective Rate Diff
0.5%
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

Raleigh, NC

Federal Income Tax
Effective: 18.9%
$25.5K
North Carolina State Tax
Effective: 4.8%
$7.1K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.4%
$44.1K
Take-Home Pay
$8,822/month
$105.9K

Additional Tax Information

Saginaw, MI Tax Rates

Sales Tax:6.0%
Property Tax:1.4%

Raleigh, NC Tax Rates

Sales Tax:7.1%
Property Tax:0.8%

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
Raleigh
55 Moderate
Air Quality
46 Good
32.8%
Good Air Days
61.7%
99 High
Climate Risk
96 High
๐ŸŒŠ๐ŸŒก๐ŸŒช
Top Hazards
๐ŸŒŠ๐ŸŒก๐ŸŒช
โ–ฒ+3.1ยฐF
2050 Outlook
โ–ฒ+2.8ยฐF
10 days
Heat Days >95ยฐF
31 days
โ–ฒ+3.1ยฐF
2050 Outlook
โ–ฒ+2.8ยฐF
10 days
Heat Days >95ยฐF
31 days

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

Where your money goes further

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Similar cost to Raleigh, NC

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