The city is geographically divided by the Saginaw River, and travel between the east and west sides of the city is made possible by four modern drawbridges which allow large ships to easily travel down the river. The city is served by MBS International Airport, located in nearby Freeland, and James Clements Municipal Airport.
As of the census of 2000, there were 36,817 people, 15,208 households, and 9,322 families residing in the city. The population density was 3,537.1 per square mile (1,365.5/km²). There were 16,259 housing units at an average density of 1,562.0/sq mi (603.0/km²). The racial makeup of the city was 91.19% White, 2.72% Black, 0.74% Native American, 0.53% Asian, 0.01% Pacific Islander, 2.47% from other races, and 2.33% from two or more races. Hispanic or Latino of any race were 6.72% of the population.
There were 15,208 households out of which 30.2% had children under the age of 18 living with them, 42.4% were married couples living together, 14.7% had a female householder with no husband present, and 38.7% were non-families. 32.9% of all households were made up of individuals and 12.8% had someone living alone who was 65 years of age or older. The average household size was 2.38 and the average family size was 3.04.
In the city the population was spread out with 25.5% under the age of 18, 9.4% from 18 to 24, 30.5% from 25 to 44, 20.5% from 45 to 64, and 14.1% who were 65 years of age or older. The median age was 35 years. For every 100 females there were 92.9 males. For every 100 females age 18 and over, there were 88.6 males.
The median income for a household in the city was $30,425, and the median income for a family was $38,252. Males had a median income of $32,094 versus $21,494 for females. The per capita income for the city was $16,550. About 10.3% of families and 14.6% of the population were below the poverty line, including 19.1% of those under age 18 and 10.5% of those age 65 or over.