Cooks, Restaurant Salary
Cooks, Restaurants in Saginaw, MI make a median of $36,000 a year, or about $17.31 an hour. The range runs from $29K at the entry level to $44K for experienced workers. Cost of living is below average (RPP 90.89), which stretches that salary to about $39,608 in buying power. A 2-bedroom apartment runs $1,117/month, about 45.5% of take-home, which is tight.
So what does $36K get you in Saginaw?
Groceries, utilities, transportation, and healthcare scaled from national averages by Saginaw’s Regional Price Parity (90.89). Rent from HUD Fair Market Rents. Taxes estimated for single filer, standard deduction. * Healthcare is the employee-paid share only (premiums + out-of-pocket). Actual costs vary by coverage type: employer-sponsored, ACA marketplace, or uninsured.
About cooks, restaurants
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What this looks like in Saginaw
Cooks, restaurant pay in Saginaw tracks closely to the national median, $36K locally vs. $37K nationwide, a 4% difference. The catch: housing math doesn't keep up. A 2-bedroom at the HUD median rents for $1,117/month, which is 45.5% of the median worker's take-home, past the 30% guideline most planners use. Regional Price Parity sits at 90.89 (national = 100), meaning everyday costs run about 9% cheaper here. Your dollar stretches further than the headline salary suggests. Use the affordability calculator above to model your specific situation.
Compared to nearby metros
Median pay for cooks, restaurants in metros near Saginaw, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Detroit-Warren-Dearborn | $37K | $37K |
| Grand Rapids-Wyoming-Kentwood | $37K | $39K |
| Lansing-East Lansing | $37K | $39K |
| Ann Arbor | $38K | $38K |
COL-adjusted = median salary ÷ (BEA Regional Price Parity ÷ 100). Expresses purchasing power in national-average dollars.
Compensation breakdown
Annual earnings by percentile, Saginaw, MI
Entry-level cooks, restaurants (10th percentile) start around $29K. Mid-career wages sit at $36K. Top earners bring in $44K or more, a $15K spread from bottom to top.
Cooks, Restaurant pay across states
Median income ranked highest to lowest, compared to the national figure
View Cooks, Restaurant salary in all states
| State | Median salary | vs. national | Employment |
|---|---|---|---|
| Washington | $47K | +25% | 35,140 |
| District of Columbia | $46K | +23% | 7,720 |
| Massachusetts | $46K | +22% | 29,570 |
| Hawaii | $45K | +21% | 11,090 |
| Vermont | $45K | +21% | 2,360 |
| Maine | $45K | +21% | 5,130 |
| California | $45K | +20% | 152,250 |
| New York | $44K | +17% | 71,530 |
| Oregon | $43K | +15% | 21,550 |
| Colorado | $42K | +11% | 30,600 |
| New Hampshire | $40K | +8% | 7,190 |
| Alaska | $40K | +7% | 2,350 |
| Connecticut | $39K | +6% | 14,830 |
| Arizona | $39K | +3% | 30,870 |
| Nevada | $39K | +3% | 27,250 |
| Minnesota | $39K | +3% | 26,080 |
| New Jersey | $38K | +3% | 28,800 |
| Montana | $38K | +2% | 7,580 |
| Delaware | $38K | +1% | 5,280 |
| Maryland | $38K | +1% | 17,690 |
| Illinois | $38K | +1% | 53,540 |
| Nebraska | $37K | -1% | 4,750 |
| Florida | $37K | -1% | 124,040 |
| Michigan | $37K | -1% | 39,100 |
| Missouri | $37K | -1% | 25,990 |
| Wyoming | $37K | -1% | 2,710 |
| Virginia | $37K | -2% | 40,310 |
| Pennsylvania | $37K | -2% | 54,100 |
| Wisconsin | $37K | -2% | 25,410 |
| Rhode Island | $37K | -2% | 6,950 |
| Utah | $36K | -2% | 10,520 |
| North Dakota | $36K | -2% | 4,490 |
| Idaho | $36K | -3% | 8,130 |
| Tennessee | $36K | -3% | 28,220 |
| South Dakota | $36K | -3% | 1,890 |
| Georgia | $36K | -4% | 46,350 |
| South Carolina | $36K | -4% | 25,890 |
| Iowa | $36K | -5% | 12,270 |
| Ohio | $36K | -5% | 46,910 |
| North Carolina | $35K | -5% | 50,150 |
| Indiana | $35K | -6% | 26,960 |
| Kansas | $35K | -6% | 11,620 |
| New Mexico | $35K | -6% | 7,810 |
| Texas | $35K | -7% | 126,620 |
| Kentucky | $35K | -7% | 13,510 |
| Alabama | $32K | -14% | 16,260 |
| Oklahoma | $32K | -15% | 17,050 |
| Arkansas | $30K | -19% | 11,270 |
| West Virginia | $30K | -21% | 6,450 |
| Mississippi | $30K | -21% | 10,770 |
| Louisiana | $29K | -22% | 14,910 |
Showing 1–10 of 51 (all 50 states + DC)
Track cooks, restaurant salary changes
BLS updates this data quarterly. We'll email you when Saginaw numbers change.
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Frequently asked questions
Can a cooks, restaurant afford a 2BR apartment alone in Saginaw?
It’s a stretch — at the median salary of $36K, rent takes 45.5% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,117/month. The 30% guideline puts the comfortable ceiling at roughly $700/month in rent — so roommates or a 1-bedroom would ease the math significantly.
What’s the entry-level salary for cooks, restaurants in Saginaw?
The 10th-percentile wage — what new cooks, restaurants typically earn — is $29K/year. Take-home on that works out to about $1,757/month. At HUD’s $1,117/month FMR, rent would take 64% of that take-home — above the 30% guideline, so a 1-bedroom or shared housing is likely necessary starting out.
Is cooks, restaurant a high-paying job in Saginaw?
Pay here is roughly in line with the national average — $36K locally vs. $37K nationally, a 4% difference.
How does Saginaw compare to the national average for cooks, restaurants?
Saginaw pays $36K median vs. the U.S. average of $37K — that’s -4%. After adjusting for local cost of living (RPP 90.89), the purchasing-power equivalent is $40K — still ahead of the national median.
How much do cooks, restaurants make in Saginaw, MI?
The median is $36,000 a year, that works out to about $17 an hour. But the range is wide: entry-level workers start around $29,290, and experienced cooks, restaurants can clear $44,240. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $36K enough to live in Saginaw?
On that salary, you'd take home roughly $2,453/month after taxes. A 2-bedroom here rents for about $1,117/month, which eats 45.5% of your paycheck. That's above the 30% rule of thumb, housing will be a stretch at the median salary, though you can manage with roommates or a smaller place.
How far does a cooks, restaurant salary go in Saginaw?
Saginaw has a Regional Price Parity of 90.89 (100 is the national average). That's below average, your money stretches further here than the raw salary number suggests. After cost-of-living adjustment, the median cooks, restaurant salary is worth about $39,608 in national-average purchasing power.
Where do cooks, restaurants get paid the most?
The table above ranks every state by median pay for this role. Keep in mind that the highest-paying states tend to have the highest costs of living, so the top salary doesn't always mean the most money in your pocket.