Town & Garden — Income-Restricted Housing in Saginaw, MI 48601
1101 Findley St, Saginaw, MI 48601
92 units · 2–3 BR
- Apply through Saginaw Housing Commission
- Residents waited about 21 months to move in (HUD, Oct 2026)
Housing authority: (989) 755-8183Directions
How to apply
- Apply through Saginaw Housing Commission. They run this development and take applications.
- Call the housing authority at (989) 755-8183.
- These records do not show openings — call to confirm vacancies and waiting lists.
At this building
- Bedrooms (estimated)
- 61 2 bedrooms · 31 3 bedrooms
- Average tenant rent
- $348/mo
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Nearby income-restricted buildings
Reuben Daniels Townhomes
1101 N 12th St, Saginaw, MI 48601
0.7 mi away
50 units · 2–3 BR · People with disabilities
Mapleview Apts (Buena Vista)
1224 Genei Ct W, Saginaw, MI 48601
1.4 mi away
104 units · 103 income-restricted · 2–3 BR · People with disabilities
- Affordability period may have ended — call to confirm
Westchester Village Apartments East
4000 Harold St, Saginaw, MI 48601
2.4 mi away
75 units · 74 income-restricted · Studio–1 BR · People with disabilities
Elmwood Manor
2814 E Genesee Ave, Saginaw, MI 48601
2.7 mi away
122 units · 1–2 BR
- Apply through Saginaw Housing Commission
- Residents waited about 2 months to move in (HUD, Oct 2026)
Brookwood Park
1 Brookwood Ln S, Saginaw, MI 48601
3 mi away
60 units · 3–4+ BR
- Affordability period may have ended — call to confirm
Rents and income limits in 48601
- Fair market rent, 2 bedrooms
- $1,110/mo
- Income needed to pay it at 30% of income
- $44,400/yr
- Renters in 48601 paying 30% or more of income on rent
- 61%
Income limits (2026)
Saginaw, MI area · median family income $83,200. Your household's yearly income before taxes must be at or below the limit.
| People | Extremely low 30% | Very low 50% | Low 80% |
|---|---|---|---|
| 1 | $17,600 | $29,300 | $46,850 |
| 2 | $21,640 | $33,450 | $53,550 |
| 3 | $27,320 | $37,650 | $60,250 |
| 4 | $33,000 | $41,800 | $66,900 |
| 5 | $38,680 | $45,150 | $72,300 |
| 6 | $44,360 | $48,500 | $77,650 |
| 7 | $50,040 | $51,850 | $83,000 |
| 8 | $55,200 | $55,200 | $88,350 |
Section 8 vouchers: up to the 50% limit, and most go to households under 30%. Public housing: up to 80%. Tax-credit apartments: usually up to 60% of median income, between the 50% and 80% columns.
Fair market rents (2027)
HUD's estimate of rent plus utilities for a modest home. Housing authorities set Section 8 voucher limits from it.
| Size | 48601 | Wider area |
|---|---|---|
| Studio | $770 | $795 |
| 1 bedroom | $870 | $893 |
| 2 bedrooms | $1,110 | $1,141 |
| 3 bedrooms | $1,430 | $1,466 |
| 4 bedrooms | $1,460 | $1,500 |
Wider area = Saginaw, MI. Two-bedroom fair market rents in 11 nearby ZIPs range from $1,010 (48734) to $1,260 (48604).
Census figures for 48601 (2020–2024 average): median rent $856. Median household income $38,900. 33% of homes are rented. 61% of renters pay 30% or more of their income on rent, and 45% pay half or more.
Census median rent is what renters here actually pay, including long-term leases. Fair market rent is HUD's estimate for a modest apartment available now.
Sources: HUD income limits FY2026; HUD Fair Market Rents FY2027 (Small Area FMR for ZIP figures); U.S. Census Bureau American Community Survey 5-year 2020–2024. Each program and building can set its own limits — confirm with the property.
Estimate your Section 8 rent share
Project-based Section 8 is on the buildings above. A Housing Choice Voucher is different: you apply with the housing authority, then find a landlord who takes it. Your share of rent is based on income — not always 30%. The calculator uses 48601's fair market rent.
Estimate your Section 8 rent share for 48601Frequently Asked Questions
How do I apply to Town & Garden?
Apply through Saginaw Housing Commission, which runs Town & Garden. Call (989) 755-8183. Do not treat a walk-up at the building as the application. These records do not show openings.
Is Town & Garden Section 8 housing?
Town & Garden is public housing, not a project-based Section 8 contract. Apply with the housing authority. A Housing Choice Voucher is a separate program.
How many units are at Town & Garden?
Public records list 92 units at Town & Garden in Saginaw, MI 48601. That is a building size, not a count of open apartments.
Are there other affordable apartments near Town & Garden?
Yes — this page lists other income-restricted buildings in 48601 and nearby ZIP codes. Open a nearby card for the address and phone. Lists still do not show vacancies.
People Also Ask
How do I get into Town & Garden?
Call the number on this page and ask about the waiting list or how to apply at Town & Garden in Saginaw, MI 48601. Public housing is through the housing authority. Bring ID and income documents when they tell you to. This site cannot submit an application for you.
How do I qualify for affordable housing in Saginaw, MI 48601?
Most income-restricted buildings in Saginaw, MI 48601 serve households at or below 50% or 80% of area median income. HUD's 2026 very low-income (50%) limit for a 1-person household is $29,300, and $41,800 for a 4-person household. Public housing can go up to 80% ($46,850 for 1 person). Each building sets its own cap — call to confirm before you apply. Citizenship, household size, and local preferences can also apply.
What is the income limit for low-income housing in Saginaw, MI 48601?
For many programs in Saginaw, MI 48601, the 2026 HUD very low-income (50%) limit is $29,300 a year for 1 person and $41,800 for 4 people. The low-income (80%) limit is $46,850 for 1 person. Tax-credit buildings often use 60% of median income. Confirm with the property — they can be stricter.
How much rent do you pay for low-income housing in Saginaw, MI 48601?
In public housing and most Section 8 in Saginaw, MI 48601, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Saginaw, MI 48601 is $1,110 a month (rent plus utilities for a modest unit). Tax-credit apartments use set rents below market, not always 30% of income. Call the building for the actual rent; this site is not a vacancy or price list.
Does Town & Garden take Section 8 vouchers?
This file does not say that Town & Garden has a project-based Section 8 contract. Some landlords in Saginaw, MI 48601 accept Housing Choice Vouchers; you have to ask. Apply for a voucher with the housing authority, then call Town & Garden.
Sources: HUD LIHTC database, 2024 (released Apr 2026); HUD Multifamily Assisted Properties, Oct 2026; HUD Public Housing Developments, Oct 2026. Not affiliated with HUD or USDA. Details can be out of date — confirm with the property before applying. Report a correction. To add a different building, use the suggestion rubric.