Software Developers Salary
The median pay for a software developers in Saginaw, MI is $101,430/year ($48.76/hour), per BLS data. The range runs from $70K at the entry level to $138K for experienced workers. Cost of living is below average (RPP 90.89), which stretches that salary to about $111,596 in buying power. Rent on a 2-bedroom averages $1,117/month, or 17.4% of estimated take-home pay.
So what does $101K 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 software developers
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What this looks like in Saginaw
Pay for software developers in Saginaw runs about 25% below the U.S. median of $136K. Housing is manageable: a 2-bedroom at the HUD median costs $1,117/month, 17.8% of take-home, well inside the 30% guideline. 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. Lower pay, lower costs, Saginaw can be a reasonable trade-off for software developerss who value affordability over top-dollar markets.
Compared to nearby metros
Median pay for software developers in metros near Saginaw, adjusted for local cost of living.
| Metro | Median pay | COL-adjusted |
|---|---|---|
| Detroit-Warren-Dearborn | $131K | $130K |
| Grand Rapids-Wyoming-Kentwood | $108K | $113K |
| Lansing-East Lansing | $97K | $102K |
| Ann Arbor | $127K | $126K |
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 software developers (10th percentile) start around $70K. Mid-career wages sit at $101K. Top earners bring in $138K or more, a $67K spread from bottom to top.
Software Developers pay across states
Median income ranked highest to lowest, compared to the national figure
View Software Developers salary in all states
| State | Median salary | vs. national | Employment |
|---|---|---|---|
| California | $174K | +28% | 284,390 |
| Washington | $167K | +22% | 107,030 |
| New York | $166K | +22% | 113,510 |
| Massachusetts | $165K | +21% | 48,190 |
| Oregon | $143K | +5% | 21,830 |
| New Hampshire | $140K | +3% | 10,840 |
| Maryland | $139K | +2% | 31,350 |
| Colorado | $138K | +2% | 43,320 |
| District of Columbia | $137K | +1% | 6,120 |
| Virginia | $136K | +0% | 88,280 |
| New Jersey | $136K | -0% | 51,570 |
| North Carolina | $135K | -1% | 58,470 |
| Connecticut | $134K | -1% | 13,660 |
| Delaware | $133K | -2% | 3,380 |
| Texas | $132K | -3% | 163,880 |
| Illinois | $132K | -3% | 56,310 |
| Idaho | $132K | -3% | 5,750 |
| Georgia | $131K | -4% | 49,700 |
| Florida | $131K | -4% | 87,890 |
| Rhode Island | $131K | -4% | 5,070 |
| Minnesota | $130K | -4% | 35,890 |
| Arizona | $130K | -5% | 38,050 |
| South Carolina | $129K | -5% | 13,230 |
| Nevada | $129K | -5% | 4,520 |
| Utah | $129K | -5% | 31,940 |
| Pennsylvania | $127K | -7% | 55,920 |
| Missouri | $126K | -7% | 20,020 |
| Michigan | $126K | -8% | 43,460 |
| Vermont | $125K | -8% | 1,740 |
| New Mexico | $125K | -8% | 3,960 |
| Hawaii | $124K | -9% | 1,600 |
| Maine | $123K | -9% | 2,790 |
| Wisconsin | $123K | -10% | 21,730 |
| Alabama | $123K | -10% | 17,450 |
| Tennessee | $122K | -10% | 19,030 |
| Montana | $122K | -10% | 2,160 |
| West Virginia | $121K | -11% | 2,650 |
| Oklahoma | $118K | -13% | 6,880 |
| Wyoming | $115K | -15% | 1,510 |
| Iowa | $115K | -16% | 9,040 |
| Ohio | $114K | -16% | 44,790 |
| Kansas | $113K | -17% | 13,580 |
| Nebraska | $111K | -18% | 7,260 |
| Kentucky | $109K | -20% | 7,660 |
| Indiana | $106K | -22% | 14,130 |
| North Dakota | $106K | -22% | 1,450 |
| Arkansas | $104K | -23% | 6,050 |
| Louisiana | $103K | -24% | 4,080 |
| South Dakota | $96K | -29% | 2,380 |
| Mississippi | $95K | -30% | 1,880 |
Showing 1–10 of 50 states with published data
BLS does not publish data for every state when sample sizes are too small
Track software developers salary changes
BLS updates this data quarterly. We'll email you when Saginaw numbers change.
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Frequently asked questions
Can a software developer afford a 2BR apartment alone in Saginaw?
Yes — at the median salary of $101K, rent takes 17.8% of take-home pay. A 2-bedroom at the HUD Fair Market Rent runs $1,117/month. That stays under the 30% guideline most financial planners use.
What’s the entry-level salary for software developers in Saginaw?
The 10th-percentile wage — what new software developers typically earn — is $70K/year. Take-home on that works out to about $4,224/month. At HUD’s $1,117/month FMR, rent would take 26% of that take-home — manageable on an entry-level income.
Is software developer a high-paying job in Saginaw?
Local pay runs 25% below the national median — $101K here vs. $136K nationally. Cost of living is 9% below the national average, which narrows that gap in real purchasing power.
How does Saginaw compare to the national average for software developers?
Saginaw pays $101K median vs. the U.S. average of $136K — that’s -25%. After adjusting for local cost of living (RPP 90.89), the purchasing-power equivalent is $112K — below the national median.
How much do software developers make in Saginaw, MI?
The median is $101,430 a year, that works out to about $49 an hour. But the range is wide: entry-level workers start around $70,400, and experienced software developers can clear $137,560. These are BLS numbers, based on employer-reported data, not self-reported surveys.
Is $101K enough to live in Saginaw?
On that salary, you'd take home roughly $6,286/month after taxes. A 2-bedroom here rents for about $1,117/month, which eats 17.8% of your paycheck. That's under the 30% guideline most financial planners use, so the numbers work.
How far does a software developers 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 software developers salary is worth about $111,596 in national-average purchasing power.
Where do software developers 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.