SOC 13-2011

Accountant & Auditor Salary in Saginaw, MI (2026)

Data updated · Sources: BLS OEWS May 2025, HUD FY 2027 Fair Market Rents, EPI 2026 Family Budget, 2026 tax tables · Methodology

Tax Tables: 2026 Fed + MI + Municipal
COL Index: 88.28 (-11.7% vs US)
Net Compensation Yield 72.1% Realized
$55,009 / net annual direct deposit
Gross Adjusted $76,310 $36.69/hr
Effective Tax Drag 21.91% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$16,722 $643.16/check
Category 1 of 6

Wage Benchmarking & After-Tax Paycheck Engine

Dynamic statutory tax calculations based on IRS Publication 15-T and state statutory schedules.

$
2,080 annual statutory base hours $36.69 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$4,579/yr)
0% Tax Shield: ~$1,007/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$6,951
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$4,731
Medicare Hospital Insurance
Statutory 1.45%
-$1,107
Michigan Individual Income Tax
State Marginal Bracket
-$2,798
Saginaw city income tax
1.50%
-$1,136
Net Take-Home Annual Realized
$55,009 ($2,115.74 / check)
Category 2 of 6

Saginaw, MI Accountant & Auditor Wage Distribution

Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) Percentiles & Career Ladders

Your Salary: $76,310
MIDDLE 50% (IQR RANGE) 10th $55.4k 25th $62.5k Median: $76,310 50th (Median) $76.3k 75th $96.6k 90th $127k You: $76,310
10th (Entry) $55,380 $26.63/hr
25th (Junior) $62,490 $30.04/hr
50th (Median) $76,310 $36.69/hr
75th (Senior) $96,580 $46.43/hr
90th (Lead/Master) $126,520 $60.83/hr
Career Progression & Licensing Milestones for Accountant & Auditor in Saginaw, MI
1
Staff AccountantBachelor's degree (most common O*NET requirement); entry into the field
$51,068$24.55/hr · 0-2 Years
2
Senior AccountantDemonstrated results in role; works independently on core responsibilities; CPA license
$61,099$29.37/hr · 2-5 Years
3
Accounting ManagerFull professional competence; leads projects or a small team; CPA license
$76,328$36.70/hr · 5-9 Years
4
Corporate ControllerOwns budget, hiring and outcomes for a department or large program
$100,130$48.14/hr · 9-14 Years
5
Vice President of FinanceExecutive or principal scope; sets strategy across the organization or profession
$131,409$63.18/hr · 14+ Years
Adjacent Career Pivots & National Pay Differences
Financial Managers+$82,890/yr
National median: $166,570
Skill overlap: 94%View Salary
Financial Examiners+$10,480/yr
National median: $94,160
Skill overlap: 93%
Tax Preparers-$28,760/yr
National median: $54,920
Skill overlap: 93%
Bookkeeping, Accounting, and Auditing Clerks-$33,010/yr
National median: $50,670
Skill overlap: 89%
Category 3 of 6

HUD Fair Market Rent & EPI Living Wage Affordability Index

Evaluating housing affordability vs. net take-home pay in Saginaw, MI under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
19% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $893/month Requires minimum annual gross of $35,720
HUD Fair Market Rent (2-Bedroom) $1,141/month Requires minimum annual gross of $45,640
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $19.52/hr
Per adult, 2 working adults + 1 child: $18.45/hr
Category 4 of 6

Hourly Wage to Annual & Overtime Matrix

Translating base hourly pay and 1.5× overtime into net take-home pay based on 2,080 annual work hours in Saginaw, MI.

Swipe horizontally to inspect full pay schedule
Schedule Total Hours/Wk Gross Annual Est. Taxes Net Take-Home Bi-Weekly Check
Standard (40 hrs)40 hrs$76,310-$16,722$55,009$2,115.74
+5h Overtime/Wk45 hrs$90,618-$21,562$63,619$2,446.89
+10h Overtime/Wk50 hrs$104,926-$26,402$72,229$2,778.04
+15h Overtime/Wk55 hrs$119,234-$31,241$80,839$3,109.19
+20h Overtime/Wk60 hrs$133,543-$36,156$89,374$3,437.48
Category 5 of 6

Interstate MSA Relocation & State Tax Migration Comparator

Calculate required compensation, cost-of-living differences, and annual state/local tax savings between two metropolitan areas.

Equivalent Salary in Austin, TX $83,505 Cost of Living Ratio: 69.6%
Annual State & Local Tax Delta +$8,331/yr Tax savings in Austin-Round Rock-San Marcos, TX
Annual Rent Difference (1BR) -$17,676/yr Based on HUD Fair Market Rents
Net Discretionary Cash Flow Impact

Combining state tax savings and annual rent variance when relocating from San Francisco-Oakland-Fremont, CA to Austin-Round Rock-San Marcos, TX.

+$26,007/year
Category 6 of 6 · Executive Economic Briefing
2026 Fiscal Intelligence

Accountant & Auditor in Saginaw, MI: Compensation & Purchasing Power Briefing (2026)

Estimates compiled from BLS OEWS wages, IRS 2026 withholding rules, HUD Fair Market Rents, and Michigan tax codes.

Market Baseline
$76,310/yr
$36.69/hr · SOC 13-2011
Statutory Tax Drag
21.91% Effective
-$16,722 in Total Taxes
HUD 1BR Shelter Ratio
19% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$3,691/mo
Post-$893/mo 1BR Rent

Key Economic & Compensation Takeaways

Statutory Withholding Architecture

Frequently Asked Questions

Verified Government Data Sources & Statutory Attribution

Wages sourced from US Bureau of Labor Statistics (BLS OEWS). Rents calibrated to HUD Fair Market Rents. Tax schedules calibrated to IRS IRC Title 26, IRS Pub 15-T, and state statutory revenue codes.

BLS OEWS May 2025 HUD FY2027 FMR IRS 15-T
Metro Pay Comparison SOC 13-2011
2026 Statutory Thresholds
  • Federal Standard Deduction (Single) $16,100
  • FICA OASDI Wage Base Cap $184,500
  • Pre-Tax 401(k) Elective Deferral $24,500
  • HSA Individual Annual Limit $4,400

Accountant & Auditor in Saginaw, MI: Market Snapshot

Accountant & Auditor roles in Saginaw, MI report a median annual wage of $76,310, 8.8% below the national median of $83,680. The 10th to 90th percentile band runs from $55,380 to $126,520, and HUD’s $893 monthly one-bedroom fair market rent equals 14.0% of that median gross pay. The single-adult living wage benchmark for the area is $19.52 per hour.

Highest-paying metropolitan areas for Accountant & Auditor

Metropolitan areaMedian annual wageVs this market
San Jose-Sunnyvale-Santa Clara, CA$121,700+59.5%
San Francisco-Oakland-Fremont, CA$110,730+45.1%
New York-Newark-Jersey City, NY-NJ$105,650+38.4%
Washington-Arlington-Alexandria, DC-VA-MD-WV$102,140+33.8%
Bridgeport-Stamford-Danbury, CT$102,020+33.7%
Midland, TX$100,890+32.2%
Parkersburg-Vienna, WV$100,420+31.6%
Boston-Cambridge-Newton, MA-NH$100,150+31.2%
Denver-Aurora-Centennial, CO$100,020+31.1%
Boulder, CO$99,990+31.0%

Top-paying occupations benchmarked in Saginaw, MI

OccupationMedian annual wageMedian hourly
Chief Executives$200,190$96.25/hr
Computer and Information Systems Managers$143,910$69.19/hr
Architectural and Engineering Managers$134,640$64.73/hr
Marketing Managers$131,020$62.99/hr
Physician Assistant$130,270$62.63/hr
Financial Manager$129,020$62.03/hr
Sales Managers$127,720$61.40/hr
Nurse Practitioner$123,580$59.41/hr
Human Resources Managers$123,120$59.19/hr
Medical and Health Services Managers$112,740$54.20/hr

Wage data: U.S. Bureau of Labor Statistics OEWS May 2025, 393 metropolitan areas publishing this occupation; HUD FY2027 Fair Market Rents; EPI Family Budget Calculator. Taxes use 2026 federal and state rules. Data last updated .

Regional Labor Market & Career Mobility Network

Explore adjacent occupations and neighboring metropolitan wage benchmarks for peer compensation analysis.

Accountant & Auditor Salary in Saginaw, MI (2026) Overview

Accountant & Auditor median pay in Saginaw, MI is $76,310 a year ($36.69/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents & living.

Quick answers
What is the median salary for an Accountant & Auditor in Saginaw, MI?

The median annual wage is $76,310 ($36.69 per hour). The middle 80% of earners make between $55,380 and $126,520. Source: BLS OEWS (May 2025).

What is the take-home pay for an Accountant & Auditor in Saginaw, MI after taxes?

On the median wage of $76,310, a single filer with no pre-tax deductions takes home about $58,386 a year ($4,866 a month) after $17,924 in federal, FICA, state and local taxes, an effective rate of 23.49%, using 2026 tax rules.