Median home value: $117K (+5.2% YoY). Rent: $980/mo. Price-to-rent: 9.9x. Part of Bay City, MI.
Limited Data
Basic Zillow data only. For stress scores, AI analysis, and trends, Bay City, MI metro page.
Home Value$116,993
+5.2%
Rent$980/mo
AFFORDABILITYBuying $135/mo cheaper ($980 rent)6.00% 30yr, 20% down, county tax + MI ins. 28% per HUD.
Enter your income for Bay City.
$23,399 on $116,993
Affordable — 13.5% of income
Under the 28% guideline.
PITI$845
P/I13.5%
Afford$242K
Room+$125K
P&I $561Tax $150Ins $133
Home Buying Kit For Dummies (2025)Financing, negotiation, closing