Clinical and Counseling Psychologist Salary in Saginaw, MI: $99,343 (2026)
Quick Answer:A full-time clinical and counseling psychologist in Saginaw, MI earns a median $99,343/year (≈ $47.76/hour) in nominal terms for 2026 — projected from BLS OEWS 2025 (SOC 19-3033). Once you factor in Saginaw's price level (9% below national, BEA RPP 90.9), that paycheck buys what $109,299 would nationally. Nominal pay sits 12.9% above the Michigan state average.
Official BLS data · View source
In Saginaw, Michigan, the clinical and counseling psychologist salary is projected to reach a median of $99,343 in 2026, reflecting a competitive position against the national median of $105,689. With 40 clinical and counseling psychologists currently employed in the area, the market shows moderate saturation, suggesting opportunities for professionals looking to establish themselves locally. The salary range spans from $63,090 at the lower end to $123,543 for those in the upper tier, indicative of the variation in roles and responsibilities within the field. This data is based on 2025 BLS OEWS data, projected to 2026, and reveals a healthy growth rate of 5.08% annually, which is promising for those entering or advancing in the profession.
Salary Breakdown
| Percentile | Annual | Hourly |
|---|---|---|
| Entry Level (P10) | $63,090 | $30.34 |
| Lower Range (P25) | $76,414 | $36.74 |
| Median (P50)(typical) | $99,343 | $47.76 |
| Upper Range (P75) | $110,534 | $53.14 |
| Top Earners (P90) | $123,543 | $59.40 |
Median Salary Position
6% below the national average
2026 Salary Percentile Distribution in Saginaw
In Saginaw, MI, the clinical and counseling psychologist salary spread from the 10th to 90th percentile is $60,453 (2026 est.). At $99,343, the local median is 6% below the national median of $105,689.
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How Saginaw Clinical and Counseling Psychologist Pay Compares
Saginaw median: $99,343/year (2026)
| Compared To | Median Salary | Saginaw Pays |
|---|---|---|
| Michigan Average | $87,992 | +12.90% more |
| National Average | $105,689 | -6.00% less |
Clinical and Counseling Psychologists in Saginaw, MI earn a median of $99,343 per year (2026 est.), which is 6.00% lower than the national median of $105,689 and 12.90% above the Michigan state average of $87,992.
Cost-of-Living Adjusted Salary
Saginaw has a cost of living 9.11% below the national average, meaning your salary goes further here.
Adjusted salary = nominal × (100 / CoL index). CoL index: 100 = national average.
Saginaw, MI has a cost-of-living index of 90.891 (below the national average of 100). A clinical and counseling psychologist earning $99,343 nominally has purchasing power equivalent to $109,299 in an average-cost city — an effective 10.02% boost.
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2021 BLS Actual
$74,840
2025 BLS Actual
$94,540
2026 Current Est.
$99,343
2021–2027 Growth
+39.5%
Salary Trajectory for Clinical and Counseling Psychologists in Saginaw (2021–2027)
2021–2025: actual BLS OEWS data for this metro area. 2026+: CAGR 5.08% projection.
| Year | Annual Salary | Status |
|---|---|---|
| 2021 | $74,840 | Actual |
| 2022 | $84,718 | Actual |
| 2023 | $78,810 | Actual |
| 2024 | $96,270 | Actual |
| 2025 | $94,540 | Actual |
| 2026(current) | $99,343 | Estimated |
| 2027 | $104,389 | Projected |
Based on 5 years of BLS OEWS data for the Saginaw metropolitan area, the median clinical and counseling psychologist salary grew 26.3% from $74,840 (2021) to $94,540 (2025). At a 5.08% compound annual growth rate, salaries are projected to reach $104,389 by 2027 — a total increase of $29,549 (39.48%) from 2021.
Note: Historical values (2021–2025) are actual BLS OEWS figures for the Saginaw metropolitan area, sourced from annual Occupational Employment and Wage Statistics surveys. 2026–2026 figures are current estimates, and 2027 values are projections, calculated using a 5.08% CAGR derived from 5-year BLS historical data. Actual salaries may vary based on employer, experience, certifications, and local market conditions.
Salary by Experience Level
| Experience | Estimated Salary Range |
|---|---|
| 0-2 years (New Graduate) | $63,090 – $76,414 |
| 3-5 years (Mid Career) | $76,414 – $99,343 |
| 5+ years (Experienced) | $99,343 – $110,534 |
| 10+ years (Top Earner) | $110,534 – $123,543 |
CCP salary ranges estimated from BLS percentile data. Individual clinical and counseling psychologist compensation varies by employer, certifications, and specialization.
Clinical and Counseling Psychologist Job Market in Saginaw
When considering how much do clinical and counseling psychologists make in Saginaw, it's essential to factor in the cost of living, which is indexed at 90.891, indicating affordability relative to the national average. This lower cost can enhance take-home purchasing power, making a career in this city attractive. Employers such as large healthcare organizations and specialty clinics tend to offer the highest pay, often complemented by benefits that include shift differentials and opportunities for those with advanced specialty credentials. On the other hand, private practices and community health centers may provide lower salaries, highlighting the substantial pay variation within different settings. To maximize earnings, professionals should consider pursuing additional certifications or aligning with larger healthcare systems, which typically offer more competitive clinical and counseling psychologist pay in Saginaw, MI.
More salary data for Saginaw, MI:
Frequently Asked Questions
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Written by Maria Gonzalez, PhD, LPC
Career Analyst
Maria has 10 years of experience in clinical psychology. She specializes in cognitive behavioral therapy. Maria works at a mental health clinic in Chicago.
Methodology & Data Source
Salary figures on this page are 2026 projections based on the Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) survey, May 2026 release. The BLS reported a median annual salary of $94,540 for clinical and counseling psychologistsin the Saginaw metropolitan area. A 5.08% compound annual growth rate (CAGR), calculated from 6-year national BLS wage trends, was applied to project current 2026 compensation. Percentile ranges (P10–P90) represent the full salary distribution across experience levels and practice settings in this market.
Data Sources & Methodology
Source: BLS, OEWS, 4-year dataset (–). Per-city data from annual BLS metropolitan area surveys.
2026 figures are projected from 2025 BLS data using a compound annual growth rate (CAGR) of 5.08%, derived from historical BLS wage trends for clinical and counseling psychologists (SOC 19-3033).
Compiled and verified by Maria Gonzalez, PhD, LPC, a licensed clinical and counseling psychologist with 10+ years of clinical experience. · View source data at BLS.gov