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.

Home Value$116,993

+5.2%

Rent$980/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Bay City.

Income (annual)

Down Payment

$23,399 on $116,993

Example: $75,000 household income. Change it above to see your own.

Affordable14% of income

Under the 28% guideline.

PITI$875

P/I14%

Afford$234K

Room+$117K

P&I $592Tax $150Ins $133

Buying $105/mo cheaper ($980 rent)6.50% 30yr, 20% down, county tax + MI ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Michigan

Compare Bay City with other housing markets across Michigan.

Lake Angelus$1.66M Leland$1.1M Orchard Lake$914K Franklin$845K Lake Leelanau$832K Kewadin$811K Lakeside$800K Northport$758K

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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