Saginaw, Michigan city income tax 2026
On $60,000, a Saginaw resident pays $888.75 a year in city income tax.
Single filer: ($60,000 − $750 exemption) × 1.5%. Someone who lives outside Saginaw but works there pays the nonresident rate, 0.75%: $444.38 a year.
Tax year 2026. Rates checked ; page updated .
Take-home pay per paycheck in Saginaw
$1,815.46
$47,202 a year. Total taxes take 21.3% of gross pay, including $889 of local tax.
| Line | Per paycheck | Per year |
|---|---|---|
| Gross pay | $2,307.69 | $60,000 |
| Federal income tax | −$193.08 | −$5,020 |
| Social Security | −$143.08 | −$3,720 |
| Medicare | −$33.46 | −$870 |
| State income tax | −$88.43 | −$2,299 |
| Saginaw income tax (resident) | −$34.18 | −$889 |
| Take-home pay | $1,815.46 | $47,202 |
Michigan city tax is modeled on wages; 401(k) deferrals are included (UCITO), section 125 is excluded.
Includes federal, Michigan and local tax (Michigan rules). Runs in your browser; your inputs are saved in this page's address so you can bookmark or share the result.
Saginaw rates
| Item | 2026 |
|---|---|
| Resident rate | 1.5% |
| Nonresident rate (wages earned in the city) | 0.75% |
| Exemption per person | $750 |
| In effect | Full tax year 2026 |
| County | Saginaw County |
| Status | Single official source |
Single official source: The independent Grand Rapids table disagrees (it is undated and appears stale for this city); the city's own documents are used.
Source note: Withholding guide subtracts $750 per exemption (SW-4) before applying rate. Grand Rapids' cross-city table is STALE for Saginaw (shows 1.00%/0.50%/$1,000) -- do not use it.
Residents vs people who work in the city
- Residents pay 1.5% on all wages, wherever they work, after a $750 exemption for each person on the return.
- Nonresidents pay 0.75% only on wages earned in Saginaw.
- Living in one taxing city and working in another: you pay the work city's nonresident tax, and your home city credits it, up to its own nonresident rate (Michigan's uniform city income tax ordinance).
Worked example, $60,000. Live in Saginaw, work in Flint: total city tax $888.75 (Flint income tax (nonresident) $297; Saginaw income tax (resident) $888.75; Saginaw credit for tax paid to Flint -$297). Live in Flint, work in Saginaw: $741.38 (Saginaw income tax (nonresident) $444.38; Flint income tax (resident) $594; Flint credit for tax paid to Saginaw -$297).
Saginaw city tax at other salaries
| Salary | Resident | Nonresident working here |
|---|---|---|
| $30,000 | $438.75 | $219.38 |
| $45,000 | $663.75 | $331.88 |
| $60,000 | $888.75 | $444.38 |
| $80,000 | $1,188.75 | $594.38 |
| $100,000 | $1,488.75 | $744.38 |
| $150,000 | $2,238.75 | $1,119.38 |
Nearest other taxing cities
Sources and verification
- 2026 City of Saginaw S-1040ES Declaration of Estimated Income Tax
- Saginaw Income Tax - 2025 Instructions for Filing
- City of Saginaw Income Tax Withholding Guide (file named 2020; current posting)
- City of Saginaw - Income Tax page
- Second source: City of Grand Rapids Income Tax Dept. — Other Michigan Cities with Income Tax (undated web table)
- Michigan Treasury: cities that impose an income tax
Rates as of tax year 2026 (2025 return instructions where 2026 not yet published; see each record); checked . "Verified" means a second, independent publisher shows the same rate; "single official source" means only the official register lists it so far, so confirm with the tax collector before relying on it. See how local rates are checked.