SOC 47-2152

Plumber & Pipefitter 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 71.5% Realized
$57,495 / net annual direct deposit
Gross Adjusted $80,440 $38.67/hr
Effective Tax Drag 22.52% Combined Jurisdictions
Marginal Top Bracket 22% Federal Statutory
Total Withheld -$18,119 $696.89/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 $38.67 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$4,826/yr)
0% Tax Shield: ~$1,062/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$7,805
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$4,987
Medicare Hospital Insurance
Statutory 1.45%
-$1,166
Michigan Individual Income Tax
State Marginal Bracket
-$2,963
Saginaw city income tax
1.50%
-$1,198
Net Take-Home Annual Realized
$57,495 ($2,211.33 / check)
Category 2 of 6

Saginaw, MI Plumber & Pipefitter Wage Distribution

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

Your Salary: $80,440
MIDDLE 50% (IQR RANGE) 10th $45.5k 25th $57.8k Median: $80,440 50th (Median) $80.4k 75th $95.4k 90th $101k You: $80,440
10th (Entry) $45,520 $21.88/hr
25th (Junior) $57,820 $27.80/hr
50th (Median) $80,440 $38.67/hr
75th (Senior) $95,390 $45.86/hr
90th (Lead/Master) $101,440 $48.77/hr
Career Progression & Licensing Milestones for Plumber & Pipefitter in Saginaw, MI
1
Plumber's Apprentice (Yr 1-2)Post-secondary certificate (most common O*NET requirement); entry into the field
$55,728$26.79/hr · 0-2 Years
2
Plumber's Apprentice (Yr 3-5)Demonstrated results in role; works independently on core responsibilities; state journeyman license
$63,293$30.43/hr · 2-5 Years
3
Journeyman PlumberFull professional competence; leads projects or a small team; state journeyman license
$80,440$38.67/hr · 5-8 Years
4
Master PlumberOwns budget, hiring and outcomes for a department or large program
$107,295$51.58/hr · 8-12 Years
5
Plumbing ContractorExecutive or principal scope; sets strategy across the organization or profession
$136,672$65.71/hr · 12+ Years
Adjacent Career Pivots & National Pay Differences
Helpers--Pipelayers, Plumbers, Pipefitters, and Steamfitters-$21,440/yr
National median: $42,360
Skill overlap: 89%
Boilermakers+$12,610/yr
National median: $76,410
Skill overlap: 88%
Maintenance and Repair Workers, General-$14,210/yr
National median: $49,590
Skill overlap: 88%
Pipelayers-$14,800/yr
National median: $49,000
Skill overlap: 86%
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$80,440-$18,119$57,495$2,211.33
+5h Overtime/Wk45 hrs$95,523-$23,221$66,570$2,560.40
+10h Overtime/Wk50 hrs$110,605-$28,322$75,646$2,909.47
+15h Overtime/Wk55 hrs$125,688-$33,424$84,722$3,258.55
+20h Overtime/Wk60 hrs$140,770-$38,736$93,588$3,599.52
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

Plumber & Pipefitter 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
$80,440/yr
$38.67/hr · SOC 47-2152
Statutory Tax Drag
22.52% Effective
-$18,119 in Total Taxes
HUD 1BR Shelter Ratio
19% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$3,898/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 47-2152
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

Plumber & Pipefitter in Saginaw, MI: Market Snapshot

Plumber & Pipefitter roles in Saginaw, MI report a median annual wage of $80,440, 26.1% above the national median of $63,800. The 10th to 90th percentile band runs from $45,520 to $101,440, and HUD’s $893 monthly one-bedroom fair market rent equals 13.3% of that median gross pay. The single-adult living wage benchmark for the area is $19.52 per hour.

Highest-paying metropolitan areas for Plumber & Pipefitter

Metropolitan areaMedian annual wageVs this market
San Jose-Sunnyvale-Santa Clara, CA$107,560+33.7%
Chicago-Naperville-Elgin, IL-IN$103,380+28.5%
Bellingham, WA$102,750+27.7%
Minneapolis-St. Paul-Bloomington, MN-WI$101,630+26.3%
Portland-Vancouver-Hillsboro, OR-WA$101,010+25.6%
Kennewick-Richland, WA$97,130+20.7%
Bloomington, IN$96,980+20.6%
Boston-Cambridge-Newton, MA-NH$96,760+20.3%
Fairbanks-College, AK$96,670+20.2%
Champaign-Urbana, IL$95,530+18.8%

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, 388 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.

Plumber & Pipefitter Salary in Saginaw, MI (2026) Overview

Plumber & Pipefitter median pay in Saginaw, MI is $80,440 a year ($38.67/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents & living.

Quick answers
What is the median salary for a Plumber & Pipefitter in Saginaw, MI?

The median annual wage is $80,440 ($38.67 per hour). The middle 80% of earners make between $45,520 and $101,440. Source: BLS OEWS (May 2025).

What is the take-home pay for a Plumber & Pipefitter in Saginaw, MI after taxes?

On the median wage of $80,440, a single filer with no pre-tax deductions takes home about $61,054 a year ($5,088 a month) after $19,386 in federal, FICA, state and local taxes, an effective rate of 24.1%, using 2026 tax rules.