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Advertise here →Bay City, MI · Market Data
Bay City, Michigan real estate market data.
Real estate market data for Bay City, MI (Bay County) — Census median home value $89,900, county listing prices up about 17.6% over the past year.
Bay City, MI is in Bay County, Michigan — covering the whole local market here: resale homes, condos, land, and new construction. The most recent Census estimate puts the population at 32,445, with a median household income of $47,904. Census data puts Bay City's median home value at $89,900 (all owner-occupied homes); Bay County's current median listing price runs $212,300, up about 17.6% over the past year.
At a glance
Bay City market snapshot
Population
32,445
Median Household Income
$47,904
Median Home Value (city)
$89,900
Median Listing Price (Bay County)
$212,300
Median Gross Rent
$739/mo
Price Trend (YoY)
+17.6%
Market data compiled from public sources; deemed reliable but not guaranteed; verify independently. Full source list ↗
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What makes Bay City different
Home Value, By Source
The Census Bureau's American Community Survey (2023 5-year estimate) puts Bay City's median home value — across all owner-occupied homes, not just recent sales — at $89,900. Separately, Bay County's current median listing price (via Realtor.com data, 2026-06-01) runs $212,300. These cover different geography (city vs. county) and different measures (assessed value vs. active listings), which is why we show both rather than picking one — full source list on our data sources page.
County Price Trend
Bay County's FHFA house price index shows a 5.1% annual change in 2025.
Population & Income
Bay City has an estimated population of 32,445 and a median household income of $47,904, per the Census Bureau's American Community Survey (2023 5-year estimate).
Affordability Snapshot
Bay City's Census-reported median home value works out to about 1.9x the area's median household income, and median gross rent runs roughly 19% of that same income on an annualized basis. Housing economists commonly flag a price-to-income ratio above 4x as historically elevated -- useful context, not a personal affordability verdict.
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Common questions
Bay City FAQ
What are home values like in Bay City, MI?
The Census Bureau's American Community Survey puts Bay City's median home value at $89,900. Bay County's current median listing price runs $212,300, up about 17.6% over the past year.
What is the population of Bay City, MI?
The U.S. Census Bureau's American Community Survey (2023 5-year estimate) puts Bay City's population at approximately 32,445.
What's the median rent in Bay City, MI?
The Census ACS estimates median gross rent in Bay City at approximately $739 per month.
What is the median household income in Bay City, MI?
Census ACS data puts the median household income in Bay City at approximately $47,904.
Is the Bay City housing market growing?
Bay County's FHFA house price index shows a 5.1% annual change in 2025.
Is Bay City, MI affordable relative to income?
Census ACS data puts Bay City's median home value at about 1.9 times the median household income, with median gross rent equal to roughly 19% of that income annually. This is a general benchmark, not a personal pre-qualification -- your own income, debt, and down payment determine what you can actually afford.
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