Where a genuine small-city feel meets one of the lowest property tax rates in Tarrant County, established neighborhoods, a highly rated Eagle Mountain-Saginaw ISD, and the I-35W and US-287 corridors that connect downtown Fort Worth and the Alliance jobs engine in minutes
Saginaw is a Tarrant County city of about 26,700 residents (Census estimate, 2025) just north of Loop 820, built around rail lines and grain elevators. Inside city limits you’re mostly buying established homes, plus new construction at Beltmill. Many Saginaw-address homes are actually in Fort Worth, so the parcel matters more than the address.
About $175K–$270K listings
Older, smaller homes around Saginaw Boulevard and McLeroy Boulevard, near City Hall and the grain elevators that give Saginaw its “train and grain” identity. 2026 listings on Western, Franklin and Southern avenues ran from about $175,000 to $269,000.
A short walk to Great Biscuit & Spice, Terry’s Donut and Jr’s Cafe. Most streets appear to have no HOA; confirm by address.
Around $348K typical value
Established homes in Willow Creek and Willow Creek Estates, where Zillow put typical values near $348,000 in mid-2026.
Willow Creek Park has a 2.5-mile paved path, playgrounds, sports fields and a dog park. Confirm city limits and any HOA on the appraisal record.
$414K–$465K new
A McBee Homes community around Fossil Wood Drive, with builder pricing listed from about $434,900 to $464,900 and 2026 listings from about $413,900.
Resale values ran near $355,000 on Zillow in mid-2026. Listing sites disagree on whether new homes remain, so check current availability.
From about $332K new
Saginaw’s first mixed-use development, at Saginaw Boulevard and Bailey Boswell Road, with homes, rentals, retail and offices. D.R. Horton’s Rosewood at Beltmill lists plans from about $331,700 to $403,800, with HOA dues near $600 a year.
Saginaw PID No. 1 applies, estimated at about $859 a year per single-family lot. Some Rosewood homes carry Fort Worth mailing addresses, so check the parcel.
About $300K–$330K
Homes built mostly from about 1989 to 2001 off Blue Mound Road, on lots around 5,000 to 6,000 square feet. Recent sales and listings ran about $300,000 to $329,000, and listings describe no HOA.
Next to Highland Station Park, with courts, playgrounds and a lighted trail. Homes use 76131 addresses, so confirm the city on the appraisal record.
About $253K–$365K
Zillow’s mid-2026 typical values: Saginaw Springs about $364,900, The Dominion about $353,400, Willowstone Estates about $286,400, Amber Meadows about $281,100 and Rancho North about $252,800.
Mostly established resale streets. Ask for the actual comparable sales, since typical values aren’t sale prices.
Priced individually
A master-planned area northwest of Saginaw with Saginaw 76179 mailing addresses that is generally inside Fort Worth city limits.
Builders, prices and HOA dues weren’t confirmed. Fort Worth’s city tax rate applies instead of Saginaw’s, so check the parcel before you compare payments.
From about $550K new
A 540-acre gated community by Eagle Mountain Lake with an 18-hole golf course, a pool and a private boat launch. Our Country Homes lists homes starting at $550,000; listings have run up past $2 million.
The developer lists it in Fort Worth. HOA dues are listed inconsistently across portals, so get them from the HOA.
Swipe or drag sideways to see them all.
Inside Saginaw city limits, the 2026 total is $2.3375 per $100: city 0.586649, Eagle Mountain-Saginaw ISD 1.2857, Tarrant County 0.1862, JPS 0.159 and Tarrant County College 0.12.
On a $300,000 home, that’s about $7,000 a year before exemptions. The $140,000 school homestead exemption alone takes about $1,800 off.
The school rate depends on a November 3, 2026 tax rate election, so confirm the final bill.
Homes in Beltmill pay Saginaw PID No. 1, which repays the neighborhood’s infrastructure through an annual assessment billed with taxes.
The city’s 2023 plan estimated about $859 a year per single-family lot, on a principal of about $12,375. 2025 and 2026 amounts were adopted by ordinance.
Get the current installment and payoff before you compare monthly payments.
The 76179 and 76131 ZIP codes reach well into Fort Worth. Marine Creek Ranch and The Resort on Eagle Mountain Lake are Fort Worth communities with Saginaw-area addresses.
Fort Worth’s city rate is 0.70565, about 12 cents more per $100 than Saginaw’s, and Fort Worth homes may add a water district line.
On the Tarrant Appraisal District record, look for “City of Saginaw (021)” as a taxing unit.
Redfin’s median sale price was about $324,300 for the three months ending August 2026, up 1.8 percent, with homes selling in about 40 days.
Zillow’s typical value was about $300,000 in July, down 2 percent, and its median list price ran about $34,000 above the median sale price.
Read together: steady prices and some negotiating room for buyers.
Neighborhood names, price ranges and builder details come from the City of Saginaw, the Tarrant Appraisal District, builder materials, Zillow neighborhood value indices (mid-2026), Redfin, Homes.com, NewHomeSource and listing portals; some builder prices are undated, and ranges are indicative, so ask for a current comparative market analysis. Population is the Census Bureau’s Vintage 2025 estimate (26,706); the 2020 Census counted 23,890. Saginaw’s 76179 and 76131 ZIP codes extend into Fort Worth; Marine Creek Ranch is generally in Fort Worth and The Resort on Eagle Mountain Lake is listed by its developer in Fort Worth. City limits for Willow Creek, Willow Vista Estates, Highland Station and some Beltmill lots should be confirmed by parcel. Tax figures use 2026 rates published by the City of Saginaw: City of Saginaw 0.586649 (2025: 0.529649), Eagle Mountain-Saginaw ISD 1.2857 (subject to a November 3, 2026 voter-approval tax rate election), Tarrant County 0.1862, JPS 0.159 and Tarrant County College 0.12; the Tarrant Regional Water District rate is excluded. Figures are before exemptions; city exemption amounts were not confirmed. Beltmill PID figures are estimates from the city’s 2023 service plan update; current amounts were adopted in 2025 and 2026 and should be confirmed on a tax certificate. Search results for Saginaw, Michigan were excluded. Bobby Franklin, REALTOR®, TREC #0805459, Legacy Realty Group – Leslie Majors Team.
Saginaw’s food scene runs along one spine: Saginaw Boulevard. The south end is Old Town, with locally owned breakfast, barbecue and Tex-Mex; the north end is where the grocery stores and newer fast-casual spots cluster.
100 S Hampshire St
A from-scratch biscuit and lunch spot in Old Town Saginaw, pouring Red River Roastery coffee and serving beef from C.O. Cattle Ranch.
Open weekdays 8 a.m. to 4 p.m. and Saturdays 8 to 2, so it’s a natural first stop on a Saturday home tour.
105 W McLeroy Blvd
An early-morning donut and kolache shop a block off Saginaw Boulevard. Some directories list this address as Donut King, so confirm the current name.
300 S Saginaw Blvd
A hometown cafe for breakfast plates and lunch on the Old Town stretch of Saginaw Boulevard.
324 S Saginaw Blvd
A local barbecue counter on the same Old Town block as El Sombrero.
316 S Saginaw Blvd
A sit-down Tex-Mex spot on south Saginaw Boulevard.
201 N Saginaw Blvd
Mexican kitchen cooking just north of Old Town, an easy lunch near City Hall.
514 S Saginaw Blvd
A carniceria with a taco counter, for weeknight grilling meat or a quick plate.
1029 N Saginaw Blvd, Ste F5
A pizza pickup and delivery stop in the north Saginaw Boulevard shopping area.
1453 N Saginaw Blvd, Ste 135
A family-size Chinese buffet near Walmart on north Saginaw Boulevard.
Einstein 1005 N Saginaw Blvd, Ste 100 · CAVA 1428 N Old Decatur Rd, Ste 150
Newer fast-casual options on the north side: Einstein Bros. Bagels for mornings and CAVA for Mediterranean bowls. Confirm CAVA is open before you go.
Taco Casa 560 S · Taco Bueno 329 N · Whataburger 1021 N · Applebee’s 945 N Saginaw Blvd · Chipotle 1424 N Old Decatur Rd
For the drive home, Taco Casa, Taco Bueno, Whataburger, Applebee’s and Chipotle all sit along the Saginaw Boulevard corridor.
752 S Knowles Dr
A seasonal farmers market with local produce and vendors. Check the city’s calendar for this season’s days and hours.
1401 N Saginaw Blvd
A full grocery run with pickup and delivery, anchoring the north Saginaw Boulevard retail area.
1201 N Saginaw Blvd
A traditional supermarket with a pharmacy, open 6 a.m. to 11 p.m.
901 N Saginaw Blvd
A budget grocery stop, open 9 a.m. to 8 p.m.
4750 W Bailey Boswell Rd (listed as Fort Worth)
A large Kroger Marketplace just west of Saginaw on Bailey Boswell Road. The store lists a Fort Worth address. There’s no H-E-B or Tom Thumb with a Saginaw address.
Groceries are a strength here. Walmart, Albertsons and ALDI sit within about a mile of each other on north Saginaw Boulevard, with Kroger Marketplace just west. If H-E-B is a must, that’s a drive.
Saginaw shares ZIP codes with Fort Worth, so plenty of restaurants with Saginaw-area addresses are actually in Fort Worth. They’re left off on purpose, and more is coming as Beltmill and the new north-side centers fill in.
Verified October 2026. This is a curated selection of businesses with Saginaw, Texas addresses plus one clearly labeled nearby grocery store, not an exhaustive directory; results for Saginaw, Michigan were excluded. Saginaw is a Tarrant County city of about 26,700 residents (Census estimate, 2025). Hours change and were not all confirmed; call ahead before you go. Great Biscuit & Spice Co. hours and suppliers are as listed by the business. 105 W McLeroy Blvd appears as both Terry’s Donut and Donut King in directories. CAVA’s Saginaw opening was not independently confirmed. Farmers market days are seasonal and set by the city. Kroger Marketplace lists a Fort Worth address. Tenants at the new 1005 N Saginaw Blvd center and at Beltmill may change; EOS Fitness has announced a Beltmill location for about 2028. Listings are informational and not endorsements; no business paid for placement. Bobby Franklin, REALTOR®, TREC #0805459, Legacy Realty Group – Leslie Majors Team.
From a Prairie Farm Settlement to a Three-Railroad Junction, a Flour-Milling Center and a Growing City
Farm families settled the prairie north of Fort Worth before the Civil War, in a community called Dido.
The Handbook of Texas says the area that became Saginaw was settled before the Civil War as a small farm community called Dido. The City of Saginaw dates the first settlement to 1848, when David Thurmond and his family arrived from Virginia. Other sources give a later date, so the exact year is uncertain. Dido counts among the earliest settlements in Tarrant County.
Dido stayed a small farm community for several decades, surrounded by open prairie and family homesteads. When the railroad arrived in the early 1880s, many residents moved east to the new tracks, and the old village faded. The name survives today in nearby Dido-Hicks Road and the historic Dido Cemetery, reminders of the community that came before the town of Saginaw took shape.
The Fort Worth & Denver City Railway laid tracks just east of Dido, and the new trackside town took the name Saginaw.
Construction of the Fort Worth & Denver City Railway began northward from Hodge Junction on November 27, 1881, under railroad builder General Grenville M. Dodge. By May 1882, trains were running forty miles to Decatur. The new tracks passed just east of Dido, about four miles north of Hodge Junction, and settlers began moving to the line, where a new trackside town formed.
In 1882, the community took the name Saginaw. The Texas Historical Commission’s Saginaw School marker credits landowner Jarvis J. Green, a Michigan transplant, with naming it. The marker says he named it for his former home, though later research suggests he lived on Saginaw Street in Pontiac, Michigan. The word Saginaw comes from the Ojibwe language and is often translated as “to flow out.”
Santa Fe and Rock Island lines crossed the Denver road, turning Saginaw into a busy rail crossing with its own post office.
In 1886, the Gulf, Colorado & Santa Fe Railway built north from Fort Worth toward Purcell in Indian Territory, crossing the Denver road at Saginaw. In 1893, the Chicago, Rock Island & Texas built southeast from Bridgeport, crossed the Santa Fe at Saginaw and reached Fort Worth on August 1. That gave the small town three railroads, the beginning of its “train” identity.
Mail service followed the trains. Federal postal records show a post office called “Pontiac” was approved on October 26, 1887, while trains stopped at a station called “Kyley.” On October 28, 1889, officials approved changing the name to Saginaw, with Mattie A. Keith as postmaster. The Handbook of Texas gives 1888 as the opening year, so sources disagree slightly on the exact date.
A tuition school opened in 1892, Tower 29 began controlling the rail crossing in 1903, and churches followed.
According to the Texas Historical Commission marker for Saginaw School, the first school opened in 1892 as a tuition school on McLeroy and became a public school in 1893. The Handbook of Texas says thirty students were enrolled in the 1896–97 term. Ten years later, the school had forty-three pupils and two teachers, a steady sign of a small town putting down roots.
On October 21, 1903, the Railroad Commission of Texas authorized Tower 29 to control the three-way crossing. It was a mechanical interlocking plant operated by the Rock Island. Baptist and Church of Christ congregations formed in 1911, and on July 19, 1914, residents organized Saginaw United Methodist Church, when the town had about 100 residents, according to its historical marker.
The Burrus Mill and Elevator Company dedicated its Saginaw mill in 1936, home of Light Crust Flour.
The Fort Worth Business Press reports that the Burrus mill in Saginaw was dedicated in 1936, and that a crowd of about 700 came to watch it open. The Handbook of Texas says its elevator was then the largest in Texas and the second largest in the nation. Its first manager was W. Lee “Pappy” O’Daniel, who later became governor of Texas and a U.S. senator.
Burrus made Light Crust Flour, promoted on the radio by the Light Crust Doughboys, a western swing band formed in 1931 with Bob Wills and Milton Brown among its early members. The band predates the Saginaw mill, but the mill became part of the story. Cargill later acquired Burrus Mills, and the historic mill is operated today by Ardent Mills.
The rail-and-grain village incorporated as a city in January 1949, with 561 residents counted the next year.
The City of Saginaw incorporated in January 1949, according to the city and the Texas Municipal League. The city’s history names John Kennedy as the first mayor. The 1950 Census counted 561 residents, and the Handbook of Texas reports twenty-five businesses by the late 1950s, when Saginaw had become a residential suburb of Fort Worth as well as a rail and milling town.
Growth was steady after incorporation. The 1960 Census counted 1,001 residents. Around 1966, with about 1,740 residents, voters approved building a new City Hall, according to the city’s history. The 1970 Census counted 2,382, and the Handbook reports about 3,450 residents and thirty-seven businesses in 1976, as new subdivisions began spreading across the farmland of northwest Tarrant County, north of Loop 820.
Eagle Mountain-Saginaw ISD formed from two earlier districts, and census counts climbed past 12,000.
Eagle Mountain-Saginaw ISD was formed in the 1950s from two earlier districts, one of them Wayside, according to district leaders quoted by the Fort Worth Report. Wayside Middle School, opened in 1964, keeps the old district’s name. Some secondary sources give a specific consolidation date in 1958, but it could not be confirmed in an official district or state source.
From the 1970s on, Saginaw grew quickly as a suburb in northwest Tarrant County. Census counts rose from 5,736 in 1980 to 8,551 in 1990 and 12,374 in 2000. Saginaw High School opened in 2005. The district today serves Saginaw, Blue Mound and parts of Fort Worth, reaching toward Eagle Mountain Lake, and its boundaries don’t follow city limits.
City Hall moved to West McLeroy Boulevard in 1983, and voters adopted a home-rule charter in January 1988.
In 1983, City Hall moved to its current site on West McLeroy Boulevard, according to the city’s history. The site, now 333 W. McLeroy Blvd., anchors a civic district that later added the recreation center, library and senior center nearby. Willow Creek Park, a linear park with a paved trail, runs through the heart of this area and hosts many city events.
In January 1988, Saginaw adopted a home-rule charter. Under the charter, the City Council sets policy and a professional city manager runs day-to-day operations, the council-manager form of government. The 1990 Census counted 8,551 residents, nearly fifteen times the 1950 count, showing how quickly the former rail and grain village had grown into a full-fledged suburban city with its own charter.
New and expanded flour mills made Saginaw one of the country’s major milling centers.
In 1999, a new flour mill opened in Saginaw as Country Home Milling. ConAgra Mills bought it in 2003 and added a second unit. In 2014, Miller Milling acquired it as part of the divestitures tied to forming Ardent Mills, the joint venture of ConAgra, Cargill and CHS. Ardent Mills runs the historic former Burrus mill, keeping both milling operations active in town.
Miller Milling expanded the Saginaw mill in 2019, and on April 2, 2025, it celebrated a new unit that raised daily capacity to 34,000 hundredweight. Baking Business called it the third-largest flour mill in the United States, citing an industry annual. Amarillo-based Attebury Grain bought the large Saginaw elevator in 2004, and those tall concrete silos still define the skyline along the tracks.
The Train & Grain Festival returned, The Switchyard opened, and a new library and senior center followed.
In 2019, Saginaw revived its Train & Grain Festival, first held from 1991 to 2003. In 2020, the city opened The Switchyard food truck park and farmers market at 752 S. Knowles Dr. in Willow Creek Park. That same year, the city approved the Beltmill Planned Development, a mixed-use project of more than 115 acres at Saginaw Boulevard and Bailey Boswell Road.
In May 2021, voters approved $67.45 million in bonds for streets, parks and a new library and senior center. The library and senior center opened on September 27, 2025, at 300 W. McLeroy Blvd. In 2024, the National Civic League named Saginaw an All-America City finalist. The Census Bureau estimated 26,706 residents in July 2025, up from 23,890 counted in 2020.
Compiled from the Texas State Historical Association Handbook of Texas, the City of Saginaw’s history, Texas Historical Commission markers (Saginaw School, Saginaw Cemetery and Saginaw United Methodist Church), Texas Railroad History, the Castle Museum of Saginaw County History, the Fort Worth Business Press, Baking Business, the Fort Worth Report, the National Civic League and U.S. Census counts and estimates; results for Saginaw, Michigan were excluded. The 1848 settlement date is the City of Saginaw’s; other sources differ. Jarvis J. Green is credited with the name in 1882; whether he came from Saginaw or from Saginaw Street in Pontiac, Michigan, is disputed. Post office dates differ between federal records (1887 and 1889) and the Handbook (1888). The 1958 consolidation date for Eagle Mountain-Saginaw ISD is unconfirmed. Mill capacity rankings are as reported by industry publications; claims that Saginaw has the world’s largest grain storage were not independently verified and are not made here. Population figures are total counts only. Bobby Franklin, REALTOR®, TREC #0805459, Legacy Realty Group – Leslie Majors Team.
A Train & Grain Festival, Fireworks Set to Music and a Drone Show Over Willow Creek Park
Saginaw’s free heritage festival celebrating its railroads and flour mills: two stages of live music, a kids’ carnival and petting zoo, and 90-plus vendors.
First held from 1991 to 2003 and revived in 2019, it has run each October since. The 2025 and 2026 festivals moved to The Switchyard at Willow Creek Park, 752 S. Knowles Dr.; earlier revived editions were at Saginaw High School. The 2026 festival was Saturday, October 3.
A separate Competition Day hosts the bake-off sponsored by Miller Milling, whose winners take home a year’s supply of flour, plus student art and pumpkin-decorating contests. The 2027 date hasn’t been announced; expect early to mid-October.
A free hunt at the south end of Willow Creek Park, run by the Saginaw Fire Department for more than three decades, with age groups up to 10 and photos with the Easter Bunny. The 2026 hunt was March 28.
A free evening of live bands, food vendors and a taco-eating contest, ending with fireworks set to music at 800 N. Blue Mound Rd. Personal fireworks and pop-up tents aren’t allowed. The 2027 date is to be announced.
A produce-focused market at The Switchyard, 752 S. Knowles Dr., running about March through December since 2020. Free entry; SNAP is accepted and matched on produce. Look for seasonal night markets and a holiday market.
Free 7 p.m. concerts with the Arts Council of Northeast Tarrant County, at The Switchyard or the Recreation Center. Bring lawn chairs; food trucks are on site at outdoor shows.
The Kiwanis Club of Saginaw hosts an outdoor ceremony with tributes and recognitions at the park behind City Hall, followed by a BBQ social. Free. The 2026 date is to be announced.
A lighted parade toward Willow Creek Park, a tree lighting and a drone show. Free. The 2026 event is set for Saturday, December 5, at The Switchyard; the schedule is still to be announced.
A Fort Worth tradition since 1896, with rodeo performances at Dickies Arena and livestock shows at Will Rogers Memorial Center, a short drive south of Saginaw.
A three-race NASCAR weekend near Alliance, north of Saginaw, with the Cup Series race on Sunday. Expect heavy traffic on race days.
The Fort Worth Stockyards, with the twice-daily cattle drive, sit a few miles south of Saginaw, and Sundance Square and the Cultural District are a short drive beyond.
Most city events happen in one place: Willow Creek Park and The Switchyard on South Knowles Drive, next to the civic campus on West McLeroy Boulevard. The farmers market, concerts, holiday parade and festival all gather there.
Named plainly: Saginaw added a Cinco de Mayo Festival, a library Halloween party and a Switchyard car show in 2026. Each has run only once, so they’re left off until they return.
The city often lists next year’s dates as “TBA,” so check the city’s events page before you go.
Dates, times and details shift annually and should be confirmed with organizers; the City of Saginaw events page, the Train & Grain Festival site, the Saginaw Farmers Market, the Kiwanis Club of Saginaw, the Fort Worth Stock Show & Rodeo and Texas Motor Speedway publish current information. Results for Saginaw, Michigan were excluded. Saginaw events listed here were documented in at least two years: Train & Grain Festival (2021, 2023, 2024, 2025, 2026), Holiday Parade (2020, 2024, 2025), Independence Celebration (2023, 2025), Easter Egg Hunt (2023, 2024, 2026), Veterans Day Celebration (2024, 2025), Farmers Market (since 2020) and Concert Series (2024, 2025, 2026). One secondary site listed June 27, 2026 for the Independence Celebration; the city did not confirm it. The order of the holiday tree lighting and drone show has varied by year. Stock Show and NASCAR 2027 dates are from the organizers’ published schedules. Events in Fort Worth are outside Saginaw city limits. Bobby Franklin, REALTOR®, TREC #0805459, Legacy Realty Group – Leslie Majors Team.
What to know about Saginaw schools:
The school tax: EMS ISD’s adopted 2026 rate is $1.2857 per $100, about $2,366 a year on a $324,000 homestead after the $140,000 state exemption.
Want the full breakdown? Read our complete Saginaw schools guide →
Saginaw is served by Eagle Mountain-Saginaw ISD, which carries the city’s name. Voters decide a tax rate election and a bus bond on November 3, 2026, and middle school zones just changed. So this starts with the district, then the campuses with Saginaw-area addresses.
1600 Mustang Rock Rd, Fort Worth
EMS ISD is the school district the City of Saginaw lists for addresses inside city limits. It covers about 73 square miles of northwest Tarrant County, including Saginaw, Blue Mound and parts of Fort Worth near Eagle Mountain Lake.
The district enrolled 24,147 students in 2025–26, according to TEA, across 18 elementary schools, 6 middle schools, 4 comprehensive high schools and specialty campuses.
Saginaw’s 76179 and 76131 ZIP codes reach into Fort Worth, where other districts can apply. Find your zoned campuses with the district’s Find Your School Zone tool at emsisd.com.
301 W McLeroy Blvd, Saginaw
The campus that carries the city’s name, carrying on a school tradition that began in 1892. The 2023 bond funds its renovation or replacement; the district hasn’t published a completion date.
1100 W McLeroy Blvd, Saginaw
An EMS ISD elementary on West McLeroy Boulevard, near Willow Creek Park. Confirm which campus serves a specific home with the zone finder.
7250 Elkins School Rd, Fort Worth
An EMS ISD elementary in the Saginaw area with a Fort Worth address. Zones shift as campuses open, so verify by address before you buy.
Assigned by address
Highland Middle School (1001 E Bailey Boswell Rd, Saginaw) and Wayside Middle School (1300 Old Decatur Rd, Fort Worth address) serve much of the area. A new Wayside building opened in January 2026.
The board approved new middle school zones for 2026–27 in December 2025, affecting Highland, Prairie Vista and Wayside, to balance enrollment and line middle schools up with high school zones.
Students then in 7th grade could stay at their campus. Check the current zone map before you count on a middle school.
800 N Blue Mound Rd, Saginaw
The EMS ISD high school with a Saginaw address, and the home of the city’s July fireworks. Many Saginaw addresses are zoned here, but not all.
Assigned by address
Edge areas of the Saginaw ZIP codes may be zoned to Boswell, Chisholm Trail or Eagle Mountain High School. Eagle Mountain High School opened in August 2024 on Bonds Ranch Road. Confirm by address.
500 Old Decatur Rd, Saginaw
A campus of International Leadership of Texas, a public charter network, with elementary and middle grades. Enrollment is by application, not by address.
District programs
EMS ISD runs the Hollenstein Career and Technology Center, plus AP, dual credit, OnRamps and the Premier Pathway college partnership with Tarleton State. Pre-K is offered for eligible families under state criteria.
Northwest Fort Worth
TCC’s Northwest Campus is a short drive west of Saginaw, with associate degrees, workforce training and dual credit. TCU and the Fort Worth universities are farther south.
EMS ISD’s adopted 2026 rate is $1.2857 per $100. On a $324,000 homestead, after the $140,000 state school exemption, the school share is about $2,366 a year.
Owners 65 and older or disabled get another $60,000 off, plus a school tax ceiling. The full bill is in the equity section.
Proposition A is a tax rate election adding 4 cents to the operating rate, about $6.1 million a year. The adopted $1.2857 rate assumes it passes; if it fails, the rate would be about $1.2457.
Proposition B is a $20 million bond to refinance school bus purchases. Check the results before you estimate a payment.
EMS ISD holds a C, a score of 77, on its TEA district profile; the Fort Worth Report said the district remained a C in the 2026 ratings.
Voters approved $561 million of a 2023 bond package for new and replacement campuses, technology and security, and rejected the athletics propositions.
A “Saginaw” mailing address can sit in Fort Worth, and Fort Worth is served by 16 different school districts.
Middle school zones changed for 2026–27, and new campuses are planned. Confirm your zoned schools by address each time you look.
Accountability ratings are intentionally not shown on the campus cards. They change every year and are described above as district-level context only; use TXschools.gov for current ratings. Rating referenced: Eagle Mountain-Saginaw ISD C, score 77, per the TEA district profile and the Fort Worth Report (August 14, 2026). Campus assignment must be confirmed by address with EMS ISD’s Find Your School Zone tool. Coverage of Saginaw city limits by EMS ISD is based on the City of Saginaw’s tax-rate listing, not a parcel-level check. Wayside Middle School and Elkins Elementary list Fort Worth mailing addresses. School tax figures use EMS ISD’s adopted 2026–27 rate of $1.2857 ($0.7869 maintenance and operations and $0.4988 debt service), which is subject to the November 3, 2026 voter-approval tax rate election; the $1.2457 alternative is an estimate. The state school homestead exemption is $140,000, plus $60,000 for owners 65 and older or disabled. Enrollment is from TEA (2025–26); 2023 bond results are from the Fort Worth Report; election details are from EMS ISD and the Fort Worth Report (October 8, 2026). Opening dates for the bond-funded new elementary and middle schools were not published. Private and charter schools listed are not exhaustive; ILTexas enrollment is by application. Bobby Franklin, REALTOR®, TREC #0805459, Legacy Realty Group – Leslie Majors Team.
Median Sales Price
The middle sale each month in Saginaw as reported to NTREIS. The line moves with which homes sold as well as with values.
Redfin put Saginaw’s median near $324,000 for the three months ending August 2026, up about 2 percent, while Zillow’s typical value ran closer to $300,000. Prices are roughly flat, still below the 2022 peak.
Price against homes inside the city limits. The 76179 and 76131 ZIPs reach into Fort Worth, where taxes and services differ, so a Fort Worth sale down the street isn’t always a fair comparison.
Check the city line before you compare monthly costs. Saginaw’s city tax rate rose to $0.586649 for 2026, and Beltmill homes add a PID assessment of roughly $859 a year.
Redfin showed Saginaw homes taking about 40 days to go under contract in late summer 2026. That’s a balanced pace: well-priced homes move, and overpriced ones sit.
The first two weeks bring the most traffic a listing will ever get. If they pass without an offer, that is pricing information. Acting in week three beats acting in week ten.
Past the 30-day mark, sellers usually listen. Ask for closing-cost help or a rate buydown before asking for a big price cut, and check the listing’s price history first.
Under 10 showings means buyers are deciding quickly. Rising counts mean people are walking through and walking away, which is a different problem from nobody looking at all.
This separates a pricing problem from a presentation problem. Plenty of showings and no offer usually means something specific is putting people off, and that is fixable without dropping the price.
High showings-to-pending means you can be selective without losing homes. Read it against days on market: low on both is a hot market, high on both means the leverage is yours.
Saginaw closes enough homes each month for a readable trend, but spring and summer always run higher than winter. Compare each month with the same month a year ago.
Fewer winter buyers means less competition for serious ones. A well-prepared listing in November or December can stand out instead of getting lost in the spring crowd.
Freddie Mac’s 30-year average was 7.24 percent on October 29, 2026. EMS ISD’s school tax rate was on the Nov. 3 ballot, so confirm the final 2026 rate when you estimate the payment.
Charts supplied by NTREIS via 10K Research and Marketing and update automatically. Data reflects residential activity reported to the MLS and may be revised as late-reported sales come in. The charts cover the City of Saginaw as defined in NTREIS; homes with Saginaw or 76179/76131 addresses inside Fort Worth may be reported separately. Comparison figures are from Redfin (median $324,285, up 1.8 percent, about 40 days on market, three months ending August 2026) and Zillow (typical value about $295,000 to $300,000). The City of Saginaw rate is the adopted 2026 rate; the Beltmill PID estimate is from the city’s 2023 service and assessment plan and varies by lot. The EMS ISD rate depended on the Nov. 3, 2026 tax rate election. Mortgage rate from Freddie Mac’s Primary Mortgage Market Survey, October 29, 2026. Market statistics describe the area as a whole and are not a substitute for a comparative market analysis on a specific property. Texas is a non-disclosure state, so publicly available sale prices elsewhere are estimates rather than recorded figures. Bobby Franklin, REALTOR®, TREC #0805459, Legacy Realty Group – Leslie Majors Team.
Pick a purchase year and the price fills in. If you own here, type over it with what you actually paid. This calculator runs on the Tarrant County index, which more than doubled from 2015 to 2025. Saginaw itself peaked in 2022 and has softened since, so read recent years with that in mind.
Bought here? Tap the number and enter what you paid.
Federal house price index growth, indexed to the purchase year, where the purchase year equals 100.
Zillow’s typical Saginaw value went from about $168,600 at the end of 2016 to a peak of $330,656 in August 2022.
It has eased since, to $294,835 in September 2026, down 1.6 percent on the year and about 11 percent below the peak.
Bought before 2021? You’re likely well ahead. Bought in 2022? Equity has come mostly from paying down the loan.
The anchor is Redfin’s Saginaw median sale price: about $324,285 for the three months ending August 2026, up 1.8 percent on the year.
Zillow’s typical value is lower, about $295,000, because it covers all homes, not just the ones that sold.
Know what you paid? Type it in. The growth rate still applies.
Inside Saginaw city limits, a $324,000 homestead pays roughly $5,500 a year at 2026 rates, after the school, county and hospital homestead exemptions.
The school rate assumes the November 3 tax rate election passes. If it fails, the bill drops by about $74.
In Beltmill, add the PID installment. A Fort Worth address pays a higher city rate.
Freddie Mac’s 30-year fixed average was 7.32 percent on October 22, 2026, with the 15-year at 6.68 percent.
The 2026 conforming limit is $832,750, and the Tarrant County FHA limit is $563,500, both well above the Saginaw median.
Homes sold in about 40 days on Redfin, typically about 2 percent below list. There’s room to negotiate.
Growth rates are the FHFA All-Transactions House Price Index, annual values 2009 through 2025: Tarrant County, Texas (FRED series ATNHPIUS48439A, base 2000 equals 100, released 31 March 2026), the State of Texas (TXSTHPI) and the United States (USSTHPI). State and national figures are annual averages of published quarters. The Tarrant County series recorded 146.87 in 2015 and 301.99 in 2025, a rise of about 106 percent. FHFA describes county indices as developmental and subject to revision. Saginaw’s own values peaked in 2022 and have declined since, which the county index does not fully reflect. The prefilled dollar figures are derived, not published: they apply the Tarrant County index to an anchor of $324,000, rounded from Redfin’s Saginaw city median sale price of $324,285 for the three months ending August 2026 (80 sales, 40 median days on market, 98.7 percent sale-to-list in July 2026). Zillow’s typical home value for Saginaw was $294,835 on September 30, 2026; annual Zillow figures for 2016 through 2025 are from a secondary source matching Zillow’s series and should be confirmed against Zillow Research data. Entering your own purchase price replaces the estimate entirely. Tax examples use 2026 adopted rates: City of Saginaw 0.586649, Eagle Mountain-Saginaw ISD 1.2857 (subject to the November 3, 2026 voter-approval tax rate election), Tarrant County 0.1862, JPS Health Network 0.159 and Tarrant County College 0.12, with the $140,000 school exemption, a 20 percent county and hospital homestead exemption (confirm on TAD) and TCC’s $5,000 exemption. City of Saginaw homestead exemptions were not confirmed and are not applied. The Tarrant Regional Water District rate and PID installments are excluded. The index is built from conforming loans and excludes jumbo lending and all-cash purchases. Equity figures assume a 30-year fixed mortgage at that year’s Freddie Mac annual average rate, held to today, with no refinancing, no extra principal and no additional borrowing, and exclude closing costs, property taxes, insurance, maintenance, improvements and selling costs. Freddie Mac rates are from the October 22, 2026 survey; the FHA limit should be confirmed on HUD’s lookup. This is an illustration for general reference, not an appraisal, a comparative market analysis, a valuation or investment advice. Past appreciation does not predict future appreciation. Bobby Franklin, REALTOR®, TREC #0805459, Legacy Realty Group – Leslie Majors Team.
Saginaw sits just north of Loop 820, about 15 minutes from downtown Fort Worth and under half an hour from DFW Airport. It’s a train-and-grain city of about 26,700 residents that just opened a new library and senior center and passed a $59 million bond for streets, parks and an animal shelter.
Typical Off-Peak Drive Time from Central Saginaw
Around Saginaw
Estimated minutes off-peak from central Saginaw. Check a live map before relying on any of them.
Saginaw sits just north of Loop 820, about 10 miles from downtown Fort Worth and about 5.5 miles from the Stockyards.
Business 287 (Saginaw Boulevard), I-35W and US 81/287 put AllianceTexas and DFW Airport within a typical half-hour drive.
Locally, Miller Milling’s Saginaw mill, described by Baking Business as the third-largest flour mill in the country, Ardent Mills and EMS ISD are major employers.
The new 30,000-square-foot library and 10,000-square-foot senior center opened September 27, 2025, across from City Hall on West McLeroy Boulevard.
In May 2026, voters approved $59 million in city bonds: $38 million for streets, $6 million for parks (passed 766 to 761) and $15 million for a new animal shelter.
The Recreation Center charges residents $50 a year for adults and nothing for ages 65 and up.
The 76179 and 76131 ZIP codes reach well into Fort Worth. Even new homes in Rosewood at Beltmill are listed with Fort Worth mailing addresses.
Which city you’re in decides your city tax rate, water and trash provider, and code rules.
Look the address up on the Tarrant Appraisal District site. If “City of Saginaw” isn’t a taxing entity, it’s not in the city.
Saginaw was born a railroad town, and BNSF and Union Pacific lines still run through it, with at-grade crossings such as East Bailey Boswell Road.
Flour mills and grain elevators line the Business 287 and Industrial Avenue corridor, and Saginaw Boulevard and Loop 820 carry heavy truck traffic.
Visit a home at different times of day and note how close it is to the tracks.
The Bailey Boswell Road overpass now carries traffic over Business 287 and the tracks.
The 2026 street bond puts East McLeroy Boulevard and Industrial Avenue first, with projects expected over the next five to seven years.
Next door in Fort Worth, W.J. Boaz Road widening is expected to start in January 2027 and finish in spring 2029.
Redfin’s Saginaw median sale price was about $324,300 for the three months ending August 2026, with homes selling in about 40 days.
The city tax rate rose from $0.4937 in 2024 to $0.5866 for 2026, tied partly to the new bonds.
Prices have been roughly flat since 2022, which gives buyers room to negotiate. Get the full tax picture before you compare payments.
Drive times are estimates measured from central Saginaw along typical routes using online mapping tools (Rome2rio and similar). They are not drawn from a live traffic source, should be treated as accurate to within several minutes, and will run longer at rush hour. Times to Alliance Town Center, Texas Motor Speedway, Keller, Haslet, Lake Worth and Eagle Mountain Lake were estimated and not independently verified; hospital distances are from Healthgrades and may be straight-line. Bond figures are from the City of Saginaw and NBC DFW; May 2, 2026 results are the city’s totals, canvassed June 3, 2026. Mill figures are from Baking Business (citing Sosland Publishing’s 2025 Grain & Milling Annual) and World Grain. W.J. Boaz Road dates are from the Fort Worth Report (July 2026). Library and senior center details are from the City of Saginaw and the architect, PGAL. Recreation Center fees are the city’s published resident rates. Rail operators and crossings are from city notices. Market figures are Redfin’s for Saginaw, three months ending August 2026; Zillow and Homes.com report different values. Tax rates are the City of Saginaw’s published 2024–25 and 2026–27 rates. Population is the Census Bureau’s Vintage 2025 estimate (26,706). Bobby Franklin, REALTOR®, TREC #0805459, Legacy Realty Group – Leslie Majors Team.
Answered with verified specifics, including why a Saginaw address isn’t always Saginaw, the 2026 tax rate line by line, the November school ballot and what living near the tracks really means.
No. Saginaw is its own city, incorporated in January 1949, with its own city council, police and fire departments, water utility and library. It borders Fort Worth on several sides, which is why the two get confused.
Many homes marketed as “Saginaw” actually sit inside Fort Worth city limits. Even new homes in Rosewood at Beltmill are listed with Fort Worth 76131 mailing addresses.
The difference is real money and real rules. The city you’re in decides your city tax rate, who bills your water and trash, and which building and pet codes apply. Saginaw’s 2026 city rate is $0.586649 per $100; Fort Worth’s is $0.70565.
Look the property up on the Tarrant Appraisal District website. Every account lists its taxing units. If “City of Saginaw” appears alongside Eagle Mountain-Saginaw ISD, Tarrant County, JPS and Tarrant County College, the home is inside the city.
Don’t rely on the mailing address. “Saginaw, TX” and “Fort Worth, TX” addresses overlap the city boundary in both directions.
Two more checks help. The City of Saginaw publishes official city and zoning maps, and inside city limits the city itself bills water. When in doubt, call City Hall at 817-232-4640 with the address before you write an offer.
Saginaw addresses mainly use 76179 and 76131. City Hall, the library and the Recreation Center on McLeroy Boulevard are in 76179, while newer areas east of Business 287, including Beltmill, use 76131.
Both ZIP codes also cover large parts of Fort Worth, including communities like Marine Creek Ranch and the area around Eagle Mountain Lake. So a 76179 or 76131 address alone doesn’t tell you which city, or which school district, a home is in.
When you’re comparing prices online, ZIP-level numbers mix Saginaw and Fort Worth homes together. Ask for comparable sales pulled from inside city limits to get a clean read on value.
For 2026–27, the combined rate inside city limits is $2.337549 per $100 of taxable value: City of Saginaw $0.586649, Eagle Mountain-Saginaw ISD $1.2857, Tarrant County $0.1862, JPS Health Network $0.159 and Tarrant County College $0.12.
On a $324,000 homestead, that works out to roughly $5,500 a year after the school, county and hospital homestead exemptions, before any city exemption or PID.
The school rate assumes the November 3, 2026 tax rate election passes. If it fails, the school rate would fall about four cents. Bills go out in October and are due by January 31.
The city rate has risen from $0.493747 in 2024–25 to $0.529649 in 2025–26 and $0.586649 for 2026–27, about 9 cents in two years.
The city’s 2026–27 budget ties part of the increase to debt service on new voter-approved bonds. In May 2026, voters approved $59 million for street reconstruction, park improvements and a new animal shelter, on top of the $67.45 million approved in 2021 that built the new library and senior center.
If you’re comparing Saginaw to a neighbor, compare the whole bill, not just the city line. The school district rate is the biggest piece of every Saginaw tax bill.
If you own and live in the home, file a residence homestead exemption with the Tarrant Appraisal District. School districts must exempt $140,000 of a homestead’s value, and owners 65 or older or disabled get another $60,000 plus a school tax ceiling.
Tarrant County and the JPS hospital district also offer homestead exemptions, and Texas caps a homestead’s taxable value growth at 10 percent a year.
Notices of appraised value go out in spring. The protest deadline is May 15 or 30 days after your notice was delivered, whichever is later, and you can file online with TAD. A protest can’t raise your value.
Eagle Mountain-Saginaw ISD is the district the City of Saginaw lists for addresses inside city limits. It enrolls about 24,100 students across 32 campuses and holds a C (77) on its Texas Education Agency district profile.
Campuses with Saginaw addresses include Saginaw and Willow Creek elementary schools, Highland Middle School and Saginaw High School. Middle school zones changed for 2026–27, affecting Highland, Prairie Vista and Wayside.
A Saginaw mailing address in Fort Worth can fall in another district. Use EMS ISD’s Find Your School Zone tool with the exact address before you buy.
Two separate items. Proposition A is a voter-approval tax rate election that adds four cents per $100 to the district’s operating rate, which the district says would raise about $6 million a year.
Proposition B is a $20 million bond that moves school bus purchases into the debt fund and refinances them, freeing operating money. Owners 65 and older won’t see a higher school tax because of the tax ceiling.
The district’s adopted 2026 rate of $1.2857 already assumes Proposition A passes; if it fails, the rate would be about $1.2457. Early voting ran October 19 to 30, and the Saginaw Public Library is a vote center. Check the official results after Election Day.
Redfin reports a median sale price of about $324,300 for the three months ending August 2026, up 1.8 percent on the year. Zillow puts the typical home value near $295,000 to $300,000, down about 2 percent.
The sources measure different things, but together they say the same thing: prices have been roughly flat since peaking in 2022. Zillow’s typical value was about $168,600 at the end of 2016, so long-time owners are well ahead.
New construction in Rosewood at Beltmill was listed from about $325,000 to $404,000. Always ask for current comparable sales before you price or offer.
For the three months ending August 2026, Redfin showed a median of 40 days on market, down from 47 a year earlier, with an average sale-to-list ratio of about 99 percent.
About a quarter of homes sold over list, while more than a third of listings had a price cut. Redfin rates the market “somewhat competitive.”
In plain terms: well-priced, move-in-ready homes still draw quick offers, while homes that need work or start too high leave room to negotiate on price, repairs or closing costs. Sellers win by pricing right on day one; buyers win by watching days on market.
The main new-home area is Beltmill, a mixed-use development of more than 115 acres at the northeast corner of Business 287 and Bailey Boswell Road, across from Walmart.
The city approved it in 2020 for retail, restaurants, offices, single-family homes, rentals, apartments and age-restricted senior living. D.R. Horton’s Rosewood at Beltmill lists three- and four-bedroom homes with an HOA of about $600 a year, and the Cottages at Beltmill rental community was built in 2025.
EōS Fitness has a 42,500-square-foot gym planned at 103 E. Bailey Boswell Road, which the company lists for 2028. Verify each new home’s city limits and any special assessments on the appraisal record.
It depends on the neighborhood. Older parts of Saginaw, including much of Old Town, generally have no HOA, while newer subdivisions usually do. Rosewood at Beltmill, for example, advertises about $600 a year.
Beltmill also uses a public improvement district, or PID, which adds an annual assessment to the tax bill to repay the neighborhood’s infrastructure. The city’s 2023 plan estimated about $859 a year per single-family lot; newer amounts were adopted by ordinance.
Texas requires sellers to give a PID notice. Ask for the HOA resale certificate, the current PID installment and the payoff amount before you compare monthly payments.
Inside city limits, the City of Saginaw bills water, sewer and trash; contact Utility Billing at 817-232-4640. The city buys its water from Fort Worth and uses Fort Worth’s sewer treatment.
Electricity is in Texas’s deregulated market: you choose a retail provider, and Oncor delivers the power and handles outages.
For internet, comparison sites list AT&T Fiber and Spectrum as the main wired options, with some other fiber service, but availability varies street by street. Check a specific address on the FCC National Broadband Map or with the providers before you buy, especially if you work from home.
Waste Connections collects for the city. Trash goes out every Monday and Thursday, and curbside recycling is picked up on Monday or Thursday depending on your address. Holiday pickups move to the next day.
Bulk brush and tree limbs are collected twice a year, in the first week of April and the first week of October; the fall 2026 week was October 5 to 9.
If you need a roll-off container for a remodel, it must come from the city’s franchised hauler. Call City Hall at 817-232-4640 or Waste Connections at 817-222-2221 with questions. Homes outside city limits have different providers and schedules.
From central Saginaw, typical off-peak drives run about 9 minutes to the Fort Worth Stockyards, about 15 minutes to downtown Fort Worth (roughly 10 miles) and about 26 minutes to DFW Airport (about 25 miles).
Alliance Airport is about 12 miles away. The main routes are Business 287 and I-35W south to downtown, Loop 820 east and west, and US 81/287 north toward Alliance.
There’s no rail transit in Saginaw, and Redfin gives it a Walk Score of 30, so most errands take a car. Rush-hour times run longer, so test-drive your actual commute at the time you’d make it.
Possibly, depending on where you live. Saginaw was founded as a railroad junction, and BNSF and Union Pacific lines still run through town beside the grain elevators and flour mills.
There are at-grade crossings, including on East Bailey Boswell Road, where crossing repairs have closed the road at times. The Bailey Boswell overpass now lets traffic cross Business 287 and the tracks without waiting.
If train horns would bother you, visit the home in the early morning and at night, and check the distance to the nearest tracks and crossings. For many owners it fades into the background; for light sleepers it’s worth testing first.
Check each property on FEMA’s Flood Map Service Center at msc.fema.gov, and read the seller’s disclosure. Texas sellers must disclose whether a home is in a floodplain and whether it has flooded.
Saginaw has creek corridors, including the Willow Creek area along Willow Creek Park, where mapped floodplain may apply to nearby lots.
At the city level, First Street’s model shown on Redfin rates Saginaw’s overall flood risk as minor, with about 1 percent of properties at risk of severe flooding over 30 years. That’s an estimate, not a FEMA designation. Lenders use FEMA maps to decide if flood insurance is required.
The new library and senior center opened September 27, 2025, across from City Hall: a two-story, 30,000-square-foot library with a makerspace, teen area and study rooms, and a 10,000-square-foot center for adults 55 and older.
The Recreation Center at 633 W. McLeroy Blvd. charges residents $50 a year for adults, $160 for a family of four and nothing for ages 65 and up. The Aquatic Center opens in summer.
Willow Creek Park has paved trails, exercise stations, a dog park and The Switchyard food truck park, and Highland Station Park has a second dog park. Voters added $6 million for park improvements in May 2026.
The city’s Building Inspections and Permits department handles permits, including a fence and retaining wall application and a swimming pool permit, which includes an Oncor application. Applications can be emailed to [email protected].
Dogs and cats 4 months and older need a current rabies tag and a City of Saginaw registration tag, which costs $10 for one year or $30 for three years. More than five adult dogs and cats combined requires a multi-pet permit.
The city also runs a Rental Inspection Program. If you plan to rent a home out, short-term or long-term, call the city before you buy to confirm the current rules.
Yes, steadily. The population went from 19,806 in 2010 to 23,890 in 2020, and the Census Bureau estimated 26,706 in July 2025, up about 11.7 percent from its 2020 base.
Saginaw is a home-rule city under a charter adopted in 1988, with a council-manager government: an elected mayor and six council members set policy, and a professional city manager runs daily operations.
For comparison, 2026–27 city tax rates per $100 run $0.517 in Lake Worth, $0.587 in Saginaw, $0.706 in Fort Worth and $0.814 in Blue Mound. The city has been a National Civic League All-America City finalist in 2023 and 2024.
Answers were verified as at October 2026 from the City of Saginaw (tax rates, utilities, trash, permits, pet registration, recreation and Beltmill pages), the Tarrant Appraisal District, the Texas Comptroller, Eagle Mountain-Saginaw ISD, the Texas Education Agency, the U.S. Census Bureau, FEMA, Redfin, Zillow, Homes.com, PGAL, NBC DFW and the Fort Worth Report. Results for Saginaw, Michigan were excluded. Tax figures use 2026–27 rates published by the City of Saginaw; the EMS ISD rate is subject to the November 3, 2026 voter-approval tax rate election, whose results were not available at publication. The $5,500 example applies the $140,000 school exemption, a 20 percent county and hospital exemption (confirm on TAD) and TCC’s $5,000 exemption; city exemptions were not confirmed and are not applied. PID figures are from the city’s 2023 service plan update. Drive times are mapping estimates, not live traffic. Internet availability varies by address and was drawn from comparison sites. Flood risk figures are First Street model estimates, not FEMA designations. Neighboring city rates are from published 2026–27 rates. No elected officials are named. Bobby Franklin, REALTOR®, TREC #0805459, Legacy Realty Group – Leslie Majors Team.
Saginaw runs its own police, fire, water billing, library and recreation center, and contracts trash with Waste Connections. The catch: city services stop at the city line, and plenty of Saginaw mailing addresses sit in Fort Worth. Start with the appraisal record, then use the numbers below.
333 W McLeroy Blvd, Saginaw
817-232-4640
Open Monday through Thursday, 7:30 a.m. to 5:30 p.m., and Friday 7:30 to 11:30 a.m. Saginaw is a home-rule city with a council-manager government, and it runs its own water, sewer and trash billing.
Services here are for homes inside city limits. Many Saginaw-address homes are in Fort Worth, so check the appraisal record first. The city website is saginawtx.org.
333 W McLeroy Blvd
817-232-4640
Start, stop or transfer service on the city site, or email [email protected]. Pay online, by phone 24/7, by mail to P.O. Box 79079, at the drive-thru or at the night drop on the east side of City Hall.
Two billing cycles: billed the 30th and due the 15th, or billed the 15th and due the 30th. Late bills add 10 percent. Ask about the deposit when you sign up.
205 Brenda Lane
817-230-0500 · after hours 817-232-0311
Streets, water mains, sewer and the Parks Division. Call the after-hours line for a main break or sewer backup. Planning and zoning also sit under Public Works.
Train Depot, 301 S Saginaw Blvd
817-230-0453
Fence, retaining wall, pool and building permits. The pool permit includes an Oncor application. Send applications to [email protected].
City of Saginaw
817-230-0443
Report tall grass, junk vehicles and other code concerns through the city’s “Report a Concern” portal on saginawtx.org.
City of Saginaw
Rentals must be registered and inspected. Registration is $115 per unit, with a $50 re-inspection fee and a $75 late fee. Short-term rentals need their own permit.
205 Brenda Lane
817-230-0460
Open Monday to Thursday 10 to 5 and Friday 10 to 1. Dogs and cats 4 months and older need a city tag: $10 for one year or $30 for three. Two dog parks: Willow Creek and Highland Station.
300 block of W McLeroy Blvd
817-230-0300
Open Tuesday and Thursday 9 to 8; Wednesday, Friday and Saturday 9 to 6; closed Sunday and Monday. A card needs photo ID and proof of address. The senior center serves adults 55 and older on weekdays.
633 W McLeroy Blvd
817-230-0350
Open Monday to Thursday 6 a.m. to 9 p.m., Friday 6 to 6 and Saturday 8 to 3. Adults $50 a year, 65 and older free, $5 day pass. The Aquatic Center next door at 605 W McLeroy opens in summer.
333 W McLeroy Blvd
817-232-4640
Pay citations online through the city website, or in person at City Hall during business hours.
saginawtx.org
Sign up for the Inside Saginaw e-newsletter, follow facebook.com/saginawtx and watch council meetings live on YouTube @cityofsaginaw. Garage Gab brings city staff to residents’ driveways.
City of Saginaw
Non-emergency 817-232-0311
Saginaw runs its own police department; see saginawpolice.org. The non-emergency number also serves as the city’s after-hours line.
City of Saginaw
817-230-0403
Fire service and emergency management; see saginawfire.us. Check the site for current alert sign-ups before severe-weather season.
National hotline
1-800-222-1222
Free, confidential help around the clock for poisonings and medication questions.
City of Saginaw contract
817-222-2221
Trash every Monday and Thursday; recycling on Monday or Thursday by address. Free bulk and brush pickup the first week of April and October. Roll-off containers must come from the city’s franchised hauler.
Oncor delivery area
Outages 888-313-4747
Saginaw is in the deregulated market, so you choose a retail provider at powertochoose.org. Oncor delivers the power and handles outages.
Natural gas
Leaks 866-322-8667
Smell gas? Leave, then call 911 and Atmos from a safe distance. Customer service: 888-286-6700.
Before any digging project
811
Call 811 before you dig for a fence, tree or pool, so buried lines get marked first.
broadbandmap.fcc.gov
Look up which internet providers serve a specific address and the speeds they report, before you commit to a home.
2500 Handley-Ederville Road, Fort Worth
tad.org
File your homestead exemption (Form 50-114) and protest values by May 15 or 30 days after your notice, whichever is later. 2027 is a reappraisal year for homes.
Look for “City of Saginaw” as a taxing entity to confirm a home is in city limits.
6713 Telephone Road, Room 101, Lake Worth
817-238-4435
Property tax payments, vehicle registration, titles and new-resident vehicle services. Open weekdays 8 a.m. to 4:30 p.m.
6713 Telephone Road, Suite 202, Lake Worth
817-238-4420
Deed and property records at the Northwest Subcourthouse. Online records search is on tarrantcountytx.gov.
5816 Azle Ave, Lake Worth
817-238-9197
Appointments are required. Book on dps.texas.gov. New residents have 90 days to get a Texas license.
2700 Premier Street, Fort Worth
817-831-8683
Register and check your status at tarrantcountytx.gov/elections. The Saginaw Public Library is a countywide vote center for early voting and Election Day.
emsisd.com
Serves addresses inside Saginaw city limits. Confirm zoned campuses with the Find Your School Zone tool; middle school zones changed for 2026–27.
727 W Bailey Boswell Rd, Saginaw
682-895-4602
A freestanding 24-hour emergency room operated as a department of Medical City Alliance.
3101 N Tarrant Pkwy, Fort Worth
817-639-1000
A full-service hospital with a 24-hour emergency room, near I-35W and North Tarrant Parkway.
10864 Texas Health Trail, Fort Worth
682-212-2000
Texas Health Harris Methodist Hospital Alliance. Confirm services on texashealth.org.
101 S Belmont St, Saginaw
817-625-5864
Retail hours weekdays 8:30 a.m. to 5 p.m., closed weekends. Confirm hours on usps.com.
300 Belmont St, Saginaw
817-847-4554
A nonprofit pantry serving northwest Tarrant County, open Monday, Tuesday and Thursday mornings by appointment. It also partners with the city on the Saginaw Farmers Market.
About twenty minutes
One, the appraisal record: is “City of Saginaw” a taxing entity? Two, any PID, such as Beltmill’s, and its current installment. Three, the FEMA flood map.
Four, the tracks: how close is the nearest rail line or crossing? Five, the school zone for the exact address.
Verified October 2026 against the City of Saginaw (saginawtx.org; the older ci.saginaw.tx.us domain mirrors the same pages), the Tarrant Appraisal District, Tarrant County, Tarrant County Elections, Texas DPS, Oncor, Atmos Energy, Waste Connections, Medical City Healthcare, Texas Health Resources, Community Link Mission and Eagle Mountain-Saginaw ISD. Results for Saginaw, Michigan were excluded. Conflicting or unconfirmed details: library listings show 300, 304 and 355 W McLeroy Blvd (the new building is in the 300 block); the utility deposit amount, the city’s emergency alert system and household hazardous waste options were not confirmed; DPS and post office hours are from directories; Oncor and Atmos numbers are their standard published lines; Community Link Mission partners with the city on the farmers market. Services listed for the City of Saginaw apply inside city limits only. Homes with Saginaw mailing addresses inside Fort Worth use Fort Worth services. Trinity Metro had no service zone covering Saginaw as of January 2026. Bobby Franklin, REALTOR®, TREC #0805459, Legacy Realty Group – Leslie Majors Team.
Saginaw is a train-and-grain city with a Fort Worth problem: plenty of homes that say “Saginaw” aren’t in the city. Add a new PID neighborhood, rising city taxes and a 2027 reappraisal, and local knowledge pays for itself. Here’s what I watch for my clients.
The 76179 and 76131 ZIP codes reach deep into Fort Worth, and even new homes in Rosewood at Beltmill carry Fort Worth mailing addresses. The city line decides your city tax rate, water and trash provider, rental rules and code. I check the Tarrant Appraisal District record for “City of Saginaw” on every address before we write an offer, so there are no surprises at closing.
Redfin’s median sale price was about $324,300 for the three months ending August 2026, with homes selling in about 40 days at 99 percent of list. Yet 38 percent of listings took a price cut. Sellers who price right on day one sell close to asking; buyers can negotiate on listings that have sat. Saginaw moves faster than Fort Worth overall, where homes take about 51 days to go pending.
The Tarrant Appraisal District held most home values at 2024 levels for 2025 and 2026. 2027 brings the first new value in three years, and 2028 is a hold year, so a high 2027 value could stick for two years. Read your spring notice closely and protest by May 15 or 30 days after it arrives. Homestead values are still capped at 10 percent a year.
Beltmill’s new homes pay the Beltmill Public Improvement District assessment, billed by Tarrant County with property taxes since 2024. Ask for the PID notice, the current-year installment and the payoff before you compare payments. Rosewood at Beltmill also lists an HOA of about $600 a year. EōS Fitness has a gym planned there for 2028.
Saginaw is a working rail and grain town. Rail lines run beside the flour mills and grain elevators, with at-grade crossings on roads such as East Bailey Boswell. I walk buyers through a home at different times of day and check the distance to the tracks, the FEMA flood map and, on older homes, the foundation, sewer line and roof.
Zillow’s typical asking rent was about $1,857 in September 2026, roughly flat on the year; single-family homes often list higher. Every rental must join the city’s Rental Registration and Inspection Program at $115 per unit, with an initial inspection. At 7.32 percent rates, a $324,000 purchase with 20 percent down runs about $1,780 a month in principal and interest alone, before taxes and insurance.
Saginaw’s city rate rose to $0.586649 for 2026, tied partly to new bonds. Voters approved $59 million in May 2026 for streets ($38M), parks ($6M) and an animal shelter ($15M), to be built over five to seven years. On November 3, EMS ISD voters decide a four-cent school tax rate election and a $20 million bus bond. I’ll post the results here.
Check the appraisal record for “City of Saginaw” to know your city, utilities and tax rate. Second, get any PID and HOA amounts, especially in Beltmill. Third, find the nearest rail line and crossing. Fourth, pull the FEMA flood map and get an insurance quote during the option period. Fifth, confirm the school zone with EMS ISD’s zone finder, since middle school zones just changed.
Three Saginaw-specific things to raise with all three. Make sure your escrow uses the right city: a Saginaw-address home in Fort Worth pays Fort Worth’s higher city rate. In Beltmill, include the PID installment in your payment estimate. And build in the November 3 school tax result, which moves the school rate by about four cents either way. I don’t receive referral fees from any lender.
Either is fine. I answer my own phone, and you won’t get routed to a call center or handed to a junior agent. Send me an address and I’ll tell you whether it’s really in Saginaw, what the full tax bill looks like, whether a PID applies and how close the tracks are.
Bobby Franklin, REALTOR® · Legacy Realty Group – Leslie Majors Team · 214-228-0003 · northtexasmarketinsider.com
Information on this page is provided for general reference and is not legal, tax, insurance, environmental or lending advice. Market figures are Redfin’s for Saginaw, three months ending August 2026; Zillow and Homes.com report different values. Rent is Zillow’s Observed Rent Index (September 30, 2026). The payment example assumes a 30-year fixed loan at Freddie Mac’s October 22, 2026 average of 7.32 percent and excludes taxes, insurance, PID and HOA. Reappraisal details are from the Tarrant Appraisal District’s 2027–2028 plan as reported by The Texan and TaxDrop. Bond figures are from the City of Saginaw (May 2, 2026); school election details are from EMS ISD and the Fort Worth Report. Beltmill PID billing is from Tarrant County records; current assessment amounts were not confirmed. The rental fee is from the city’s fee schedule. Lender relationships involve no compensation. Bobby Franklin, REALTOR®, TREC #0805459, Legacy Realty Group – Leslie Majors Team.
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