ZIP 48604 Housing Market & Real Estate Update (Saginaw, MI) — February 23, 2026
48604 – February 23, 2026 – Saginaw, MI (Saginaw County): Dec 2025 median sale about $150K, inventory higher, and 30-year mortgage rates near 6.01%.
ZIP 48604 covers the north/central Saginaw area in Michigan (Saginaw County). Today’s pulse: pricing is trending up year over year, but buyers still have time, with listings sitting longer than last winter.
Top takeaways
- Prices: December 2025 median sale price was about $149,900 in ZIP 48604, up year over year.
- Inventory: Active listings were reported around 50 , suggesting more choices than last year.
- Speed: Homes are taking longer to sell (about 78 average days on market), which can improve negotiating leverage.
- Rates: Freddie Mac’s latest weekly average 30-year fixed rate was 6.01% (as of Feb 19, 2026).
Market snapshot (latest available)
At the ZIP level, Realtor.com’s December 2025 data shows a median sale price of $149,900 and about $118 per square foot. Inventory was about 50 active listings, and average days on market were about 78 days. Realtor.com also characterizes 48604 as a buyer’s market for that period, with homes selling around the asking price on average.
On Zillow’s home value tracker (data through Dec 31, 2025), the typical home value in 48604 is $130,833, up 7.2% over the past year. Zillow also shows a median list price around $138,600 and for-sale inventory around 30 (where available).
Mortgage-rate watch
Rates matter a lot in this price band. Freddie Mac’s Primary Mortgage Market Survey showed 6.01% for the 30-year fixed-rate mortgage and 5.35% for the 15-year (weekly average as of Feb 19, 2026). If you’re shopping, it can be worth re-running affordability with today’s quotes before you lock a budget.
What’s for sale right now (no addresses)
A quick scan of active listings in 48604 shows a wide spread:
- Entry-level single-family homes in roughly the mid-$80Ks to $90Ks range.
- Several mid-market 3-bedroom homes listed around the mid-$130Ks.
- Higher-end options, including larger lots/acreage, reaching into the mid-$400Ks.
- Vacant land also shows up periodically, including multi-acre parcels.
ServiceXTC local pro(s) to know
If you’re buying a fixer, prepping to list, or cleaning up a property, here’s one ServiceXTC directory match that appears in/near ZIP 48604:
- Willys Contracting, Inc (demolition contractor)
Seeing new construction, investor flips, or rental demand changing on your block in 48604? Share what you’re noticing right now.
Sources
https://www.realtor.com/local/market/michigan/zipcode-48604
https://www.zillow.com/home-values/79266/saginaw-mi-48604/
https://www.freddiemac.com/pmms
https://www.zillow.com/saginaw-mi-48604/
https://www.realtor.com/realestateandhomes-search/48604
https://www.unitedstateszipcodes.org/48604/
https://servicextc.com/demolition-and-junk-removal-am-contractors-3/
https://servicextc.com/willys-contracting-inc/