The median home in Bay City, Michigan is valued at $116,993, up 5.2% year over year. Typical monthly rent is $980, producing a price-to-rent ratio of 9.9x — below the national average of 18x. Bay City is part of the Bay City, MI metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
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Home Value$116,993
+5.2%
Rent$980/mo
AFFORDABILITYBuying $105/mo cheaper ($980 rent)6.50% 30yr, 20% down, county tax + MI ins. 28% per HUD.
Enter your income for Bay City.
$23,399 on $116,993
Affordable — 14% of income
Under the 28% guideline.
PITI$875
P/I14%
Afford$234K
Room+$117K
P&I $592Tax $150Ins $133
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
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Full Bay City, MI analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Bay City, MI metro.
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