Saginaw is an industrious community of 48,115 located in mid-Michigan between Lake Huron and Lake Erie. Thirteen percent of the population is 65 or older, and this number is expected to rise dramatically in the coming decades, which is likely to increase demand for assisted living and other forms of long-term care. Residents benefit from a robust health care system and below-average prices. The area has an above-average number of medical professionals and several major medical facilities.

Assisted living is an intermediate option for seniors who don’t want to live on their own in the community. These facilities provide 24-hour assistance, recreational activities and varied supports for $4,000 per month, $200-$300 lower than the state and national averages. Assisted living is a popular alternative to nursing homes due to the lower cost. Many communities offer options for seniors who can live independently and those who need extra support due to Alzheimer’s or a related condition.

This guide explores assisted living regulations and average long-term care prices in Saginaw. It also provides a list of local resources to help you maintain your independence.

Directory of Assisted Living Facilities in Saginaw, MI

Bickford of Saginaw

5275 Mackinaw Road, Saginaw, MI, 48603

Bickford of Saginaw, Michigan is an assisted living facility that also offers excellent memory care. Loved ones and residents say the rooms are large and airy with beautiful furnishings. The food is e … (read more)
Bickford of Saginaw, Michigan is an assisted living facility that also offers excellent memory care. Loved ones and residents say the rooms are large and airy with beautiful furnishings. The food is e … (read more)

Brookdale Saginaw

2485 McCarty Road, Saginaw, MI, 48603

Brookdale Saginaw is located in Saginaw, Michigan, just blocks from the William H. Haithco recreation area. Family members note that the activities are stimulating and fun and the food is delicious. T … (read more)
Brookdale Saginaw is located in Saginaw, Michigan, just blocks from the William H. Haithco recreation area. Family members note that the activities are stimulating and fun and the food is delicious. T … (read more)

Edgewood Assisted Living

4850 Gratiot Road, Saginaw, MI, 48638

Not enough help! Not happy with management and people getting back to me in a timely fashion.
Not enough help! Not happy with management and people getting back to me in a timely fashion.

Shields Comfort Care

9140 Gratiot Rd, Saginaw, MI, 48609

This is the best place I’ve ever been too my mom is currently resides at this residence the employees are awesome room get cleaned everyday food is 5 star ⭐️ ⭐️⭐️⭐️⭐️ The layout … (read more)
This is the best place I’ve ever been too my mom is currently resides at this residence the employees are awesome room get cleaned everyday food is 5 star ⭐️ ⭐️⭐️⭐️⭐️ The layout … (read more)

2014, 2015, 2017, 2018

New Hope Valley

3785 North Center Road, Saginaw, MI, 48603

New Hope Valley in Saginaw, Michigan, seeks to create a safe, stimulating environment for residents to thrive through supportive services, secured premises and inviting floor plans with kitchenettes. … (read more)
New Hope Valley in Saginaw, Michigan, seeks to create a safe, stimulating environment for residents to thrive through supportive services, secured premises and inviting floor plans with kitchenettes. … (read more)

2021

New Hope Valley West

5155 McCarty Road, Saginaw, MI, 48603

My mother-in-law stayed here for a 30-day respite before going home after being in the hospital. Six months later she could no longer live alone. She chose to return to New Hope because none of the ot … (read more)
My mother-in-law stayed here for a 30-day respite before going home after being in the hospital. Six months later she could no longer live alone. She chose to return to New Hope because none of the ot … (read more)

Wellspring Senior Living Campus – Saginaw

2825 Wieneke Road, Saginaw, MI, 48603

Saginaw Senior Living Campus is an independent living, assisted living and respite care facility west of Saginaw, Michigan, near the neighborhood of Saginaw Township North. The community is convenient … (read more)
Saginaw Senior Living Campus is an independent living, assisted living and respite care facility west of Saginaw, Michigan, near the neighborhood of Saginaw Township North. The community is convenient … (read more)

2014

Shattuck Manor

5935 Shattuck Road, Saginaw, MI, 48603

Located within easy proximity to Apple Mountain Golf Course and Imerman Memorial Park, Shattuck Manor offers assisted living for seniors in Saginaw, Michigan. Residents of this facility and their love … (read more)
Located within easy proximity to Apple Mountain Golf Course and Imerman Memorial Park, Shattuck Manor offers assisted living for seniors in Saginaw, Michigan. Residents of this facility and their love … (read more)

Community Village

3200 HOSPITAL ROAD, Saginaw, MI, 48603

Community Village is located near State Highway 58 in a residential community in Saginaw Center Township, close to medical centers, golf courses, shopping and restaurants. The facility hosts a number … (read more)
Community Village is located near State Highway 58 in a residential community in Saginaw Center Township, close to medical centers, golf courses, shopping and restaurants. The facility hosts a number … (read more)

Saginaw Geriatrics Home

1413 Gratiot Avenue, Saginaw, MI, 48602

Saginaw Geriatrics Home in Saginaw, Michigan is an assisted living facility that has a relaxed and upbeat atmosphere. Saginaw has many historical homes, an art museum, and a host of concert series thr … (read more)
Saginaw Geriatrics Home in Saginaw, Michigan is an assisted living facility that has a relaxed and upbeat atmosphere. Saginaw has many historical homes, an art museum, and a host of concert series thr … (read more)

Shattuck Rd Home

2585 Shattuck, Saginaw, MI, 48603

Shattuck Road Home is located in a beautiful neighborhood in Saginaw, Michigan. It’s a small facility that offers a home-like atmosphere close to all of the entertainment, shopping, and fine dining th … (read more)
Shattuck Road Home is located in a beautiful neighborhood in Saginaw, Michigan. It’s a small facility that offers a home-like atmosphere close to all of the entertainment, shopping, and fine dining th … (read more)

Howell’s Group Home

3106 Walters Dr, Saginaw, MI, 48601


2014, 2015

Bavarian Comfort Care

5366 W Rolling Hills Dr, Bridgeport, MI, 48722

I was impressed with Bavarian Comfort Care. It’s a new facility, so everything is clean and bright. The staff was friendly, and the place is clean, well-equipped, and had large rooms. It was impressiv … (read more)
I was impressed with Bavarian Comfort Care. It’s a new facility, so everything is clean and bright. The staff was friendly, and the place is clean, well-equipped, and had large rooms. It was impressiv … (read more)

Barton Woods Assisted Living

9472 Kochville Rd, Freeland, MI, 48623

My Aunt lived at Barton Woods. She was diagnosed with dementia and the staff were extremely patient and caring, despite how difficult she was to work with. She was always clean and well groomed. Sh … (read more)
My Aunt lived at Barton Woods. She was diagnosed with dementia and the staff were extremely patient and caring, despite how difficult she was to work with. She was always clean and well groomed. Sh … (read more)

Symphony Tri-Cities

6700 Westside Saginaw Rd, Bay City, MI, 48706


What to Consider About Assisted Living in Saginaw

Due to state laws, assisted living facilities in Saginaw and other communities aren’t regulated by the Department of Licensing & Regulatory Affairs, Bureau of Community & Health Systems. However, licenses are required for some adult foster care homes and residential homes for the aged.

Benefits and Drawbacks of Assisted Living in Saginaw

  • Saginaw is a very affordable location for seniors who need to stretch their retirement income or budget for long-term care. The local cost of living is 20% below the national average. Prices for housing, groceries and health care are significantly lower than average.
  • According to AreaVibes, Saginaw receives an F rating for its crime rates. Property crimes are 27% lower than the U.S. average, but violent crimes are almost three times higher than national benchmarks. Given these figures, security and location are things seniors should consider when looking for assisted living residences.
  • The climate in Saginaw can be harsh, with 42 inches of annual snowfall and winter lows in the teens. However, the area receives 174 days of sunshine, and summer highs reach 82 degrees, making it more pleasant than other parts of Michigan.
  • Residents have access to eight hospitals in Saginaw and the surrounding area. The city is home to the Aleda E. Lutz Veterans Affairs Medical Center, and U.S. News and World Report has ranked Ascension St. Mary’s Hospital and Covenant Healthcare-Saginaw as high-performing in multiple procedures.
  • Tax rates in Saginaw are about average. Sales tax is a competitive 6%, slightly below the national average of 7.3%, and income tax is 5.8%, which includes a 1.5% city tax on individual residents. Rates for non-residents are lowered to 0.75%.
  • Saginaw Transit Authority Regional Services provides scheduled ADA-compliant transportation to seniors and disabled adults. Its Rides to Wellness program offers countywide non-emergency medical transportation to passengers working with one of STARS’ local partners.

Paying for Assisted Living in Saginaw

According to Genworth’s Cost of Care Survey, the median cost of staying in an assisted living facility in Saginaw is $4,000, which is slightly lower than the state and national averages of $4,200 and $4,300, respectively.

The Cost of Assisted Living in Nearby Cities

Although assisted living prices vary by more than $2,500 per month in central Michigan, Saginaw is a relatively affordable option. Most seniors in the local area pay about $300 less than the national average and $200 less than residents in other parts of the state. In Bay City, assisted living costs $1,000 less per month, and in Flint, the monthly price difference shrinks to $331. Seniors in Detroit pay $750 more for assisted living, and in Midland, rates climb by $1,550, representing a 38% increase.

$4000

Saginaw

$4200

Michigan

$4300

The United States

$3000

Bay City

$5550

Midland

$3669

Flint

$4750

Detroit

The Cost of Other Types of Senior Care

Estimated long-term care costs vary significantly based on seniors’ individual needs. Community-based recreational activities, meals and personal care are available through daytime programs for just $1,907 per month, about half the cost of assisted living. Home health agencies charge $576 to $1,148 more per month than residential communities depending on the type of medical or personal assistance provided. Assisted living is also an attractive alternative to nursing homes, which cost about $4,400 more per month for a semiprivate room and $4,935 more for a private room.

$4576

Homemaker Services

$5148

Home Health Aide

$1907

Adult Day Health Care

$4000

Assisted Living Facility

$8441

Nursing Home Facility (semiprivate room)

$8935

Nursing Home Facility (private room)

Financial Assistance for Assisted Living in Saginaw

Several state and federal programs are available to help eligible Saginaw seniors with the cost of an assisted living facility. These include the Medicaid State PlanMI Choice and Supplemental Security Income Category G.

Learn more about these programs, plus who’s eligible, on our Assisted Living in Michigan page.

Financial Assistance for Assisted Living in Saginaw

More Ways to Pay for Assisted Living

While many families use their own funds or personal assets to pay for assisted living, there are plenty of additional options to cover these costs. Some additional ways to finance assisted living costs include:

  • Veterans Benefits
  • Life Insurance Policy
  • Long-Term Care Insurance
  • Reverse Mortgage

For more information about different ways to finance assisted living, visit our Assisted Living in Michigan page.

Free Assisted Living Resources in Saginaw

Seniors who live in Saginaw and want to learn more about assisted living or other forms of long-term care can reach out to the following organizations for information and assistance. Services are available to seniors, caregivers and their families.

ResourceContactService
Region VII Area Agency on Aging(989) 893-4506Located in Bay City, this Area Agency on Aging connects seniors and caregivers to supportive services in their community. It provides a wealth of helpful services ranging from insurance counseling to phone-based medical advice. In addition to administering federal benefits available to residents aged 60 years and older, it provides legal and financial services, including help with wills and advance directives. Its impartial volunteer long-term care ombudsman is available to address questions or concerns related to assisted living.
Saginaw County Commission on Aging(989) 797-6880Seniors age 60 and older can access a variety of free and sliding-scale supports through this county office. It provides case management services, long-term care needs assessments, accessible transportation, free emergency cell phones and caregiver assistance. Staff members match residents with meaningful volunteer opportunities, and its bilingual minority outreach program supports underserved adults. Additional resources are available to individuals who have dementia or are at risk of nursing home placement.
Saginaw Senior CentersVariesThe Commission on Aging operates five senior centers in Saginaw, including the Buena Vista Senior Center and the Eleanor Frank Senior Center. Several others are located in Chesaning and other parts of the county. These centers offer congregate meals, preventive health screenings, fitness classes and special events. Programs vary by location but typically include bingo, pool, darts, cards, crafts and dominoes. They also offer line dancing, tai chi and Wii bowling.
Legal Services of Eastern Michigan(800) 322-4512Since 1951, Legal Services of Eastern Michigan has provided free information and assistance to low-income individuals and families in Saginaw and several neighboring counties. Services are intended for residents who earn up to 125% of the poverty level, and expanded options are available to applicants with higher income levels in certain situations. Its areas of focus include individual rights, government benefits access, consumer credit issues and family and elder law.

Assisted Living Laws and Regulations in Saginaw

Saginaw-area assisted living communities must adhere to the comprehensive set of state laws and regulations that all assisted living communities in Michigan are required to follow. Visit our Assisted Living in Michigan page for more information about these laws.

Assisted Living Laws and Regulations in Saginaw