Median Income
$47,904
36% lower than US avg
Home Value
$89,900
68% lower than US avg
Violent Crime
826/100K
117% higher than US avg
Bachelor's+
18.2%
46% lower than US avg
Median Rent
$739
36% lower than US avg
Obesity Rate
40.3%
26% higher than US avg
Unemployment
3.9%
8% higher than US avg
Poverty Rate
15.2%
23% higher than US avg
How Bay City Compares to the U.S. Average (100% = U.S. avg)
People
Population32,445
Median Age39.7 yrs
Density3,190/mi²
Male / Female48% / 52%
Largest GroupWhite 87%
Veterans7.5%
Economy
B
Median Income$47,904
Per Capita$29,756
Unemployment3.9%
Poverty15.2%
County GDP$4,724M
Commute21 min
Housing
A+
Home Value$89,900
Rent$739
Ownership68.5%
Zillow$119,103
Housing Units15,880
Rent Burden29.5%
Crime
F
Violent826/100K
Property1,994/100K
Murder6.1/100K
Assault653/100K
Burglary412/100K
Health
Obesity40.3%
Uninsured9.5%
Smoking18.9%
Depression29.1%
Heart Disease6.6%
Climate
Avg Temp48°F (9°C)
AQI37 (Good)
Rain33.1 in/yr
Sunny Days260/yr
Elevation600 ft (183 m)
Education
C
Bachelor's+18.2%
High School+88.6%
Graduate+4.8%
School Score5.09
Community
2024 VoteR 57% / D 42%
Commute21 min
Broadband86.0%
EV Stations14
Libraries5
Is Bay City a Good Place to Live?
Based on current data, Bay City receives an overall livability score of 2.9 out of 5.0, earning a grade of C+. Key strengths include affordable housing, abundant sunshine, high health insurance coverage. Areas to be aware of include elevated crime rates, below-average incomes, high obesity rates. Bay City has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Bay City is $47,904, 36% below the national average of $75,149. Unemployment stands at 3.9%, indicating a healthy job market. The poverty rate of 15.2% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 21 minutes.
Cost of Living & Housing
The median home value in Bay City is $89,900, 68% below the national median / offering relatively affordable homeownership. Renters pay a median of $739 per month, below the national average / a plus for affordability. At just 1.9x median income, home prices are very affordable relative to local earnings.
Safety & Crime
With 826 violent crimes per 100,000 residents, public safety is a notable concern / this is significantly above the national average of 380. Property crime occurs at a rate of 1,994 per 100,000, near the national average.
Education
18.2% of residents hold a bachelor's degree, below the national average of 33.7%. 88.6% have completed high school. Area schools have an average test score of 5.1/10.
Climate & Weather
Bay City experiences four distinct seasons with an average temperature of 48°F. Winters average 23°F in January while summers reach 72°F in July. With 260 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 33.1 inches. Air quality is rated Good with a median AQI of 37.
Bay City has a population of 32,445 with a density of 3,190 people per square mile, spread across 11.2 square miles. The median age is 39.7 years, 2% older than the national median of 38.9. The gender split is 52.2% female and 47.8% male. The city is predominantly White (86.5%), with 2.3% Hispanic, 2.7% Black. English is the primary language spoken at home by 97.1% of residents. 7.5% of the population are veterans, above the national rate of 6.0%. 19.4% of residents have a disability (above the 13.0% national average). 93.3% have health insurance coverage.
Population
39.7yrs
Median Age
2% above US avg
Language Spoken at Home
English Only
97.1%
24% above US avg
Spanish
2.9%
78% below US avg
The median household income in Bay City is $47,904, which is 36% below the national average of $75,149. Per capita income is $29,756 (below the $39,052 national figure). The average weekly wage is $1,050, 27% lower than the U.S. average. The unemployment rate is 3.9% (above the 3.6% US average). 15.2% of residents live below the poverty line, higher than the national rate of 12.4%. The area has 2,117 business establishments, including 211 restaurants. The cost of living index is 96.2, roughly in line with the national average. Workers commute an average of 21 minutes (shorter than the 28-minute US average). 6.8% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $47,904 |
| 36% below US avg |
| Per Capita Income | $29,756 |
| Avg Weekly Wage | $1,050 |
| IRS Avg AGI | $61,334 |
| Gini Index | 0.438 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 3.9% |
| 8% above US avg |
| Poverty Rate | 15.2% |
| 23% above US avg |
| Establishments (County) | 2,117 |
| County GDP | $4,724M |
Business (County)
| Restaurants | 211 |
| Healthcare | 326 |
| Retail | 355 |
| Manufacturing | 99 |
Tax & Cost of Living
| Property Tax (IRS) | $4,313 |
| 23% above US avg |
| Cost of Living | 96.20 (100=avg) |
| Effective Tax Rate | 4.80% |
Commute & Transportation
| Commute Time | 20.8 min |
| Drive Alone | 80.5% |
| Public Transit | 0.6% |
| Work from Home | 6.8% |
The median home value in Bay City is $89,900, 68% below the national median of $281,900. Zillow estimates the typical home value at $119,103, higher than the Census estimate. Homes sell for 96.6% of their list price, suggesting buyers have room to negotiate. Monthly rent averages $739 (36% below the national average of $1,163). Fair market rent ranges from $814 for a one-bedroom to $1,030 for a two-bedroom apartment. 68.5% of housing units are owner-occupied. There are 15,880 total housing units in the city. The median year a home was built is 1940. The average annual property tax is $4,313 (higher than the $3,500 national average). 29.5% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1.9x, well within the affordable range.
Home Values
| Census Median | $89,900 |
| 68% below US avg |
| Zillow ZHVI | $119,103 |
| Median List Price | $124,900 |
Real Estate Market (Redfin)
| Median List Price | $124,900 |
| $/Sq Ft | $107 |
| Homes Sold | 30 |
| Sale-to-List Ratio | 96.6% |
| Price Drops | 32.9% |
| Inventory | 85 |
Rental Costs
| Census Median Rent | $739 |
| 36% below US avg |
| Zillow Rent (ZORI) | $998 |
| Rent Burden | 29.5% |
HUD Fair Market Rent
| Studio | $809 |
| 1 Bedroom | $814 |
| 2 Bedrooms | $1,030 |
| 3 Bedrooms | $1,399 |
| 4 Bedrooms | $1,518 |
Ownership & Property
| Homeownership | 68.5% |
| Owner-Occupied | 68.5% |
| Renter-Occupied | 31.5% |
| Housing Units | 15,880 |
| Median Year Built | 1940 |
Property Tax
| Avg Tax (IRS) | $4,313 |
| 23% above US avg |
| Effective Rate | 4.80% |
In Bay City, 40.3% of adults are obese, above the national rate of 32.1%. 11.4% have diabetes. Heart disease affects 6.6% of residents. 33.9% have high blood pressure. 18.9% are current smokers (above the 14.0% national rate). 17.1% report binge drinking. 28.5% are physically inactive. 29.1% report depression (above the 20.0% national average). 20.7% experience frequent mental distress. 9.5% of residents lack health insurance. The primary care physician ratio is 1:2,239. The dentist ratio is 1:1,428. 77.0% of residents have access to exercise opportunities. The food environment index is 7.4 out of 10.
Health Metrics: Bay City vs U.S. Average (%)
Chronic Conditions
| Obesity | 40.3% |
| 26% above US avg |
| Diabetes | 11.4% |
| Heart Disease | 6.6% |
| High Blood Pressure | 33.9% |
| Asthma | 12.1% |
| COPD | 9.1% |
| Cancer | 7.5% |
| Stroke | 3.5% |
Behaviors & Mental Health
| Smoking | 18.9% |
| 35% above US avg |
| Binge Drinking | 17.1% |
| Physical Inactivity | 28.5% |
| Depression | 29.1% |
| Mental Distress | 20.7% |
| Physical Distress | 15.5% |
| Short Sleep | 36.7% |
Healthcare Access
| Insurance Rate | 93.3% |
| Uninsured | 9.5% |
| 10% above US avg |
| Primary Care | 1:2,239 |
| Dentists | 1:1,428 |
| Mental Health | 1:341 |
| Checkup Rate | 76.8% |
| Dental Visits | 60.8% |
| Premature Death | 9,515/100K |
Food & Exercise
| Food Environment | 7.4/10 |
| Exercise Access | 77.0% |
| Healthcare Facilities | 326 |
Bay City has a violent crime rate of 826 per 100,000 residents, 117% above the national average of 380. This breaks down to aggravated assault at 652.6 per 100,000, robbery at 61.0, rape at 106.7. The murder rate is 6.1 per 100,000 (below the national rate of 6.3). Property crime stands at 1,994 per 100,000, 2% above the U.S. average. This includes larceny/theft at 1,452, burglary at 412, vehicle theft at 131 per 100,000 residents. The county recorded 15 fatal traffic crashes. Overall, Bay City receives a safety grade of F.
Crime Rates: Bay City vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 826.4/100K |
| 117% above US avg |
| Murder | 6.1/100K |
| 3% below US avg |
| Rape | 106.7/100K |
| Robbery | 61.0/100K |
| Assault | 652.6/100K |
Property Crime
| Total Property | 1,994.3/100K |
| 2% above US avg |
| Burglary | 411.7/100K |
| Theft | 1,451.5/100K |
| Vehicle Theft | 131.1/100K |
| Arson | 12.2/100K |
Traffic Safety
| Fatal Crashes (County/yr) | 15 |
| Traffic Accidents | 349 |
| Avg Accident Severity | 2.8 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Bay City experiences four distinct seasons with an average annual temperature of 48°F (9°C). Winters average 23°F in January while summers reach 72°F in July. The area gets 260 sunny days per year, above the national average. Annual precipitation totals 33.1 inches. Air quality is rated Good with a median AQI of 37. 76% of days have good air quality. The city sits at an elevation of 600 feet.
Temperature
23°F Jan (-5°C)
72°F Jul (22°C)
| Annual Average | 47.8°F |
| 11% below US avg |
| January Average | 23°F (-5°C) |
| July Average | 72°F (22°C) |
| Sunny Days | 260 days/yr |
Geography
| Elevation | 600 ft (183 m) |
| Area | 11.2 sq mi (29.0 km²) |
| Population Density | 3,190/sq mi |
| Coordinates | 43.5901°N, 83.8884°W |
| Timezone | America/Detroit |
| County | Bay County County |
| Nearest Airport | Mbs International (MBS) 10 miles away |
Precipitation & Snow
Annual Rainfall
33.1"
13% below US avg
Wettest Month (Sep)
3.90"
Air Quality
| AQI Median | 37.0 |
| Rating | Good |
| Good Days % | 76.3% |
| Unhealthy Days | 0 |
Air Pollutants (EPA 2023)
| PM2.5 (Fine Particles) | 9.5 μg/m³ |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 78.2 / 100 |
| Social Vulnerability | 44.1 / 100 |
| Community Resilience | 98.4 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Moderate |
| Hail |
Relatively Moderate |
| Strong Wind |
Relatively High |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively High |
| Lightning |
Relatively Moderate |
| Ice Storm |
Relatively Moderate |
| Drought |
No Rating |
| Cold Wave |
Relatively High |
| Landslide |
Very Low |
| Coastal Flood |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
2 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.5. Most recent: M2.5 on May 23, 2022.
| Sep 2, 1994 |
5 km SSW of DeWitt, Michigan |
M3.5 |
106 km |
| May 23, 2022 |
2 km NNW of Corunna, Canada |
M2.5 |
140 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
295 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 128 fatalities, 1,096 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jun 8, 1953 |
EF5 |
55 km |
116 |
| May 12, 1956 |
EF4 |
68 km |
3 |
| Jun 8, 1953 |
EF4 |
75 km |
0 |
| Jul 2, 1997 |
EF3 |
51 km |
1 |
| Jul 2, 1997 |
EF3 |
49 km |
0 |
| Jun 21, 1996 |
EF3 |
31 km |
0 |
| Mar 27, 1991 |
EF3 |
100 km |
0 |
| Mar 27, 1991 |
EF3 |
83 km |
0 |
| Sep 2, 1984 |
EF3 |
100 km |
0 |
| Aug 8, 1984 |
EF3 |
67 km |
0 |
| Jun 12, 1984 |
EF3 |
4 km |
0 |
| Mar 30, 1976 |
EF3 |
66 km |
0 |
| Mar 30, 1976 |
EF3 |
76 km |
1 |
| Jul 14, 1974 |
EF3 |
66 km |
0 |
| Feb 28, 2024 |
EF2 |
77 km |
0 |
| Jun 26, 2021 |
EF2 |
83 km |
0 |
| Mar 14, 2019 |
EF2 |
89 km |
0 |
| Jun 22, 2015 |
EF2 |
39 km |
0 |
| May 28, 2013 |
EF2 |
81 km |
0 |
| May 28, 2013 |
EF2 |
83 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Tsunami History
1 tsunami recorded within 500 km.
Highest wave on record: 1.5 m (5 ft).
| Year |
Location |
Cause |
Max Wave |
Deaths |
Distance |
| 1952 |
LAKE HURON, MI |
Avalanche |
1.5 m |
— |
132 km |
Source: NOAA/NCEI Historical Tsunami Database. Sorted by wave height.
Wildfire History
19 wildfires (100+ acres) within 100 km.
Largest: BRITTLE (5,912 ac, 2021).
| Year |
Name |
Acres |
Distance |
| 2021 |
BRITTLE |
5,912 |
93 km |
| 2014 |
UNNAMED |
3,759 |
93 km |
| 2018 |
BRITTLE 04/30/2018 |
3,484 |
93 km |
| 2019 |
UNNAMED |
2,349 |
96 km |
| 2005 |
ROSCOMMON4 |
2,109 |
92 km |
| 2016 |
UNNAMED |
1,796 |
96 km |
| 2017 |
BRITTLE 20 AND 23 RX |
1,557 |
92 km |
| 2015 |
UNNAMED |
1,434 |
96 km |
| 2015 |
UNNAMED |
1,276 |
95 km |
| 2016 |
UNNAMED |
1,217 |
93 km |
| 2015 |
UNNAMED |
1,168 |
91 km |
| 2010 |
BRITTLE FUELS BLOCK 10 |
1,076 |
95 km |
| 2016 |
MEMORABLE RX |
946 |
97 km |
| 2018 |
BRITTLE 05/05/2018 |
867 |
95 km |
| 2019 |
UNNAMED |
642 |
94 km |
| 2007 |
GALION |
637 |
87 km |
| 2019 |
UNNAMED |
564 |
96 km |
| 2019 |
MEMORABLE MIDDLE |
550 |
96 km |
| 2019 |
CORSAIR BLOCK 8 |
541 |
89 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
23°F (-5°C) |
1.5 in |
Coldest |
| February |
23°F (-5°C) |
1.2 in |
Driest |
| March |
33°F (0°C) |
2.2 in |
|
| April |
45°F (7°C) |
2.7 in |
|
| May |
57°F (14°C) |
2.8 in |
|
| June |
66°F (19°C) |
3.2 in |
|
| July |
72°F (22°C) |
2.4 in |
Warmest |
| August |
69°F (20°C) |
3.3 in |
|
| September |
61°F (16°C) |
3.9 in |
Wettest |
| October |
50°F (10°C) |
2.6 in |
|
| November |
38°F (3°C) |
2.6 in |
|
| December |
27°F (-3°C) |
2.0 in |
|
Bay City has a seasonal temperature swing of 49°F / from 23°F in January to 72°F in July. Total annual precipitation is 30.2 inches, with September being the wettest month (3.9") and February the driest (1.2").
Average costs for common services in Bay City. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$241 ($144–$385) |
| Specialist Visit |
$337 ($192–$529) |
| Urgent Care Visit |
$192 ($96–$337) |
| Emergency Room Visit |
$2,116 ($770–$4,810) |
| Dental Cleaning |
$125 ($72–$192) |
| Dental Filling |
$241 ($144–$385) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$43 ($24–$72) |
| Oil Change (Synthetic) |
$72 ($48–$115) |
| Brake Pad Replacement |
$289 ($144–$481) |
| Tire Rotation |
$38 ($19–$72) |
| New Tires (Set of 4) |
$577 ($385–$962) |
| Battery Replacement |
$192 ($96–$337) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$96 ($58–$144) |
| Electrician (Per Hour) |
$87 ($48–$135) |
| HVAC Repair |
$385 ($144–$770) |
| HVAC System Install |
$6,734 ($3,848–$11,544) |
| Roof Repair |
$962 ($385–$1,924) |
| Roof Replacement |
$8,658 ($5,291–$14,430) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,443 ($481–$3,367) |
| Divorce (Contested) |
$14,430 ($4,810–$28,860) |
| DUI Defense |
$4,810 ($1,924–$9,620) |
| Bankruptcy (Chapter 7) |
$1,443 ($770–$2,886) |
| Will Preparation |
$481 ($192–$962) |
| Trust Preparation |
$2,405 ($962–$4,810) |
View all 12 services
Personal Care
| Men's Haircut |
$24 ($14–$43) |
| Women's Haircut |
$53 ($29–$96) |
| Hair Coloring (Full) |
$144 ($72–$241) |
| Manicure |
$24 ($14–$43) |
| Pedicure |
$38 ($24–$63) |
| Massage (1 Hour) |
$77 ($48–$125) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.94 ($2.89–$5.29) |
| Dozen Eggs (per dozen) |
$3.37 ($2.41–$4.81) |
| Loaf of Bread |
$3.66 ($2.41–$5.29) |
| Chicken Breast (per lb) |
$4.33 ($2.89–$6.25) |
| Ground Beef (per lb) |
$5.29 ($3.85–$7.22) |
| Rice (per lb) |
$0.96 ($0.58–$1.73) |
View all 20 services
Utilities
| Electricity (Monthly) |
$135 ($77–$241) |
| Natural Gas (Monthly) |
$67 ($29–$144) |
| Water/Sewer (Monthly) |
$67 ($38–$115) |
| Internet (Monthly) |
$67 ($38–$96) |
| Cell Phone Plan (Monthly) |
$63 ($29–$96) |
| Cable TV (Monthly) |
$82 ($48–$144) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$192 ($72–$481) |
| Car Insurance (Annual) |
$1,924 ($1,154–$3,367) |
| Bus Pass (Monthly) |
$67 ($29–$125) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.70–$24) |
| Car Registration (Annual) |
$96 ($29–$241) |
| Driver's License Renewal |
$29 ($14–$72) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,154 ($577–$2,405) |
| Daycare (Toddler, Monthly) |
$962 ($481–$1,924) |
| After-School Care (Monthly) |
$385 ($192–$673) |
| Tutoring (Per Hour) |
$48 ($24–$96) |
| SAT/ACT Prep Course |
$962 ($385–$2,405) |
| Private School (K-12, Annual) |
$12,025 ($4,810–$28,860) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$58 ($29–$96) |
| Dog Vaccination (Annual) |
$96 ($48–$192) |
| Dog Grooming |
$58 ($29–$96) |
| Pet Boarding (Per Night) |
$38 ($19–$72) |
| Dog Spay/Neuter |
$289 ($144–$481) |
| Cat Spay/Neuter |
$192 ($96–$385) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $736 |
| Toddler | $779 |
| Preschool | $779 |
| Family Childcare (monthly) |
| Infant | $693 |
| Toddler | $693 |
| Preschool | $674 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Bay City
What is the population of Bay City?
Bay City has a population of 32,445 residents and is located in Michigan. The population density is 3,190 people per square mile, spread across 11.2 square miles. The median age of residents is 39.7 years. The population is 52.2% female and 47.8% male.
Is Bay City expensive to live in?
Bay City has a cost of living roughly in line with the national average, with an index of 96.2 (baseline: 100). The median household income is $47,904, 36% below the national average of $75,149. The median home value is $89,900 (68% below the U.S. median). Renters pay a median of $739 per month, below the national average of $1,163. The home price-to-income ratio is 1.9x, indicating housing is reasonably affordable relative to local income levels.
Is Bay City safe?
Public safety is a concern in Bay City, with a violent crime rate of 826 per 100,000 / significantly above the national average of 380. However, crime tends to concentrate in certain areas, and many neighborhoods remain relatively safe. Property crime occurs at a rate of 1,994 per 100,000 (above the national average). Overall, Bay City receives a safety grade of F based on combined crime data.
What is the weather like in Bay City?
Bay City has a four-season climate with an average annual temperature of 48°F (9°C). Winter temperatures average 23°F in January, while summers reach an average of 72°F in July. The area receives 260 sunny days per year, well above the national average of 205. Annual rainfall totals 33.1 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 37.
How is the job market in Bay City?
Bay City has a healthy job market with an unemployment rate of 3.9%, near the national average of 3.6%. The average weekly wage is $1,050. There are 2,117 business establishments in the area, including 211 restaurants and food service locations. The average commute time is 21 minutes, and 6.8% of workers work from home.
How much does housing cost in Bay City?
The median home value in Bay City is $89,900. Zillow estimates the typical home value at $119,103. For renters, the median monthly rent is $739. Fair market rent is $814 for a 1-bedroom and $1,030 for a 2-bedroom apartment. The homeownership rate is 68.5%. The average annual property tax is $4,313.
How are the schools in Bay City?
Schools in Bay City score 5.1 out of 10 on standardized testing, near the national average. 18.2% of adults in Bay City hold a bachelor's degree or higher, below the national average of 33.7%. 88.6% have completed high school. 4.8% hold a graduate or professional degree.
How healthy is Bay City?
The obesity rate in Bay City is 40.3% (above the national rate of 32.1%). 18.9% of adults are smokers. 28.5% are physically inactive. 29.1% of residents report depression. 9.5% lack health insurance. 77.0% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,239.
What is transportation like in Bay City?
The average commute in Bay City is 21 minutes, shorter than the national average of 28 minutes. 80.5% of workers drive alone to work, and 6.8% work from home.
What are the demographics of Bay City?
The racial and ethnic makeup of Bay City is 86.5% White, 2.7% Black or African American, 2.3% Hispanic or Latino. 97.1% of residents speak only English at home. 7.5% of the population are military veterans. 19.4% of residents have a disability. 93.3% have health insurance coverage.