Median home value: $379K (-1.4% YoY).
Limited Data
Basic Zillow data only. For stress scores, AI analysis, and trends, explore tracked metros.
Home Value$379,325
-1.4%
AFFORDABILITY6.00% 30yr, 20% down, county tax + OR ins. 28% per HUD.
Enter your income for Bay City.
$75,865 on $379,325
Stretch — 35.6% of income
Above 28% but manageable with cuts.
PITI$2,226
P/I35.6%
Afford$298K
Gap-$81K
P&I $1,819Tax $307Ins $100
Home Buying Kit For Dummies (2025)Financing, negotiation, closing