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.

Home Value$193,626

+1.6%

Prices rising — worse for buyers.

Affordability

Enter your income for Bay City.

Income (annual)

Down Payment

$38,725 on $193,626

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

Affordable24.3% 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$3.07M Highland Park$2.85M Westover Hills$2.59M University Park$2.38M Rollingwood$2.25M West Lake Hills$1.99M Bartonville$1.36M Southlake$1.26M

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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