| Context | Value |
|---|---|
| Location | Saginaw, MI |
| County | Saginaw County |
| National rank | #3,111 of 14,967 |
| State rank | #88 of 334 |
| City rank | #1 of 16 |
| County rank | #1 of 16 |
| National percentile | 79.3 |
| National band | TOP_25_PERCENT |
| Housing and market metrics | Value |
|---|---|
| Current Zillow home value | $130,712 |
| Year-over-year home value change | 11.1% |
| Month-over-month home value change | 0.60% |
| Home value to income ratio | 1.83 |
| Median household income | $71,361 |
| Bachelor's degree or higher | 28.6% |
| Civilian unemployment rate | 5.8% |
| Homeownership rate | 92.7% |
| Housing vacancy rate | 11.1% |
| Rent burden 30% or higher | 78.5% |
Saint Stephens-Brockway-Carmen is ranked #1 of 16 eligible neighborhoods in Saginaw; #88 of 334 eligible neighborhoods in MI; and #3,111 of 14,967 eligible neighborhoods in the United States.
Saint Stephens-Brockway-Carmen has a Best Neighborhoods USA Index of 62.9 and a city ranking of #1 of 16 eligible neighborhoods in Saginaw.
The current Zillow Home Value Index for Saint Stephens-Brockway-Carmen is approximately $130,712.
Zillow neighborhood values changed 11.1% year over year and 0.60% month over month.
Saint Stephens-Brockway-Carmen has a Neighborhood Momentum Score of 95.3. Momentum is 70% year-over-year and 30% month-over-month Zillow housing change.
The NDS-derived neighborhood median household income is approximately $71,361.
The current Zillow home-value-to-household-income ratio is 1.83. Price-to-income affordability is a major Value Opportunity input.
The NDS-derived homeownership rate is approximately 92.7%.
The NDS-derived civilian unemployment rate is approximately 5.8%.
Approximately 28.6% of residents age 25 and older are estimated to have a bachelor's degree or higher.
Approximately 78.5% of the applicable renter-household universe is estimated to spend 30% or more of household income on gross rent.
The overall index combines 40% Stability and Strength, 35% Value Opportunity, and 25% Momentum. Race, ethnicity, and identity composition are not scoring components.
Governed ranking context
HMDA Mortgage Intelligence
Modeled neighborhood-level mortgage activity allocated from governed HMDA tract data using Zillow neighborhood geometry. These neighborhood values are nonadditive and do not enter the Best Neighborhoods USA Index.
HMDA is natively reported at tract and other lender-reporting geographies, not Zillow neighborhood or ZIP geography. This module uses the certified NDS HMDA-to-Zillow tract-vintage crosswalk and area-weighted allocation. Rankings require governed geometry coverage. Applicant demographics are excluded. Neighborhood values may overlap and must not be summed to reconstruct ZIP or national totals.