The median home in Bay City, Texas is valued at $193,626, up 1.6% year over year. Bay City is part of the Bay City, TX metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Bay City, TX stress score, crash risk, and 12-month forecast →

Home Value$193,626

+1.6%

AFFORDABILITY

Enter your income for Bay City.

Income (annual)

Down Payment

$38,725 on $193,626

Affordable — 24.3% of income

Under the 28% guideline.

PITI$1,520

P/I24.3%

Afford$223K

Room+$29K

P&I $979Tax $290Ins $250

6.50% 30yr, 20% down, county tax + TX ins. 28% per HUD.

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

Other cities in Texas

Compare Bay City with other housing markets across Texas.

Westlake$3067K Highland Park$2847K Westover Hills$2586K University Park$2375K Rollingwood$2252K West Lake Hills$1988K Bartonville$1362K Southlake$1256K

Full Bay City, TX analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Bay City, TX metro.

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BAY CITY, TX