Bay City, Michigan
Area Profile
32,320 residents. Public schools, jobs, income, housing cost, climate and natural-hazard risk for Bay City, in Bay County.
How this area ranks
Data updated · 16 sourcesEmployment conditions sit below most comparable cities measured: unemployment is 7.7% and the Opportunity signal places Bay City in the bottom 1%.
In the public schools here, 34% of students met the state standard in mathematics, with 17.0 students for every teacher.
Rent takes 29% of renter income here, below the 30% threshold conventionally called cost-burdened, and the median home is 1.7 times what its owners earn.
These sentences are written by fixed rules from the measurements below — a statement appears because a number crossed a stated threshold, and the values behind it are stored with it. No figure anywhere on this site is invented, estimated or inferred to fill a gap. How this works.
At a glance
Jobs & opportunity
Unemployment of 7.7% — higher than in all but 2% of the 4,226 measured US cities.
Employment fell 6.4% over the past year, to 13,829 employed residents.
Median household income of $49,420 is lower than in 78% of measured US cities.
| Metric | Value | Compared nationally | Source period |
|---|---|---|---|
| Income of new arrivalsBay County, MI’s figurefiling years 2022–2023 | $50,904 | 9th percentileof 4,101 | filing years 2022–2023 |
| Income of those who leftBay County, MI’s figurefiling years 2022–2023 | $52,219 | 10th percentileof 4,101 | filing years 2022–2023 |
| Median household income ±$2,1802024 ACS 5-Year | $49,420 | Bottom 22%of 29,223 | 2024 ACS 5-Year |
| Per capita income ±$1,4752024 ACS 5-Year | $29,853 | Bottom 36%of 31,420 | 2024 ACS 5-Year |
| Poverty rate ±2%2024 ACS 5-Year | 18.7% | Bottom 25%of 31,773 | 2024 ACS 5-Year |
| Average commute ±1.3 min2024 ACS 5-Year | 22.5 min | Top 28%of 31,543 | 2024 ACS 5-Year |
| Bachelor's degree or higher ±2%2024 ACS 5-Year | 18.8% | Bottom 45%of 31,919 | 2024 ACS 5-Year |
| Drove alone to work ±2%2024 ACS 5-Year | 79.0% | 56th percentileof 31,433 | 2024 ACS 5-Year |
| EmploymentJuly 2026 | 13,829 | Bottom 10%of 4,226 | July 2026 |
| Employment change (3 years)July 2026 | −7.6% | Bottom 1%of 4,226 | July 2026 |
| Employment change (year over year)July 2026 | −6.4% | Bottom 1%of 4,226 | July 2026 |
| Labor forceJuly 2026 | 14,982 | 12th percentileof 4,226 | July 2026 |
| Labor force participation ±2%2024 ACS 5-Year | 72.8% | Bottom 33%of 31,513 | 2024 ACS 5-Year |
| Mean annual wageBay City, MI Metro Area’s figure2025 OEWS | $57,190 | Bottom 8%of 3,729 | 2025 OEWS |
| Median annual wageBay City, MI Metro Area’s figure2025 OEWS | $45,620 | Bottom 8%of 3,729 | 2025 OEWS |
| Public transit to work ±0.5%2024 ACS 5-Year | 0.4% | 79th percentileof 31,433 | 2024 ACS 5-Year |
| Unemployment change (year over year)July 2026 | −1.3% | Top 5%of 4,226 | July 2026 |
| Unemployment rateJuly 2026 | 7.7% | Bottom 2%of 4,226 | July 2026 |
| Worked from home ±2%2024 ACS 5-Year | 8.4% | 54th percentileof 31,433 | 2024 ACS 5-Year |
Unemployment rate
Median household income, successive ACS releases
Largest occupations — Bay City, MI
| Occupation | People employed | Median annual wage |
|---|---|---|
| Fast Food and Counter Workers | 1,380 | $28,060 |
| Home Health and Personal Care Aides | 1,040 | $34,100 |
| Retail Salespersons | 920 | $33,320 |
| Cashiers | 910 | $29,150 |
| Office Clerks, General | 770 | $38,100 |
| Stockers and Order Fillers | 740 | $33,320 |
Searches the 40 largest occupations here that have a published wage.
Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.
34% of students met the state standard in mathematics and 42% in reading, across the schools here that reported results.
There are 17.0 students for every full-time teacher across 17 public schools, more than in most measured places.
| School | District | Students | Per teacher | Math | Reading |
|---|---|---|---|---|---|
| Bay City Central High School | Bay City School District | 921 | 17.1 | 27% | 47% |
| John Glenn High School | Bangor Township Schools | 864 | 27.9 | 32% | 57% |
| Christa McAuliffe Middle School | Bangor Township Schools | 608 | 22.5 | 35% | 48% |
| Handy Middle School | Bay City School District | 598 | 13.9 | 22% | 34% |
| Kolb Elementary School | Bay City School District | 451 | 14.1 | 50% | 48% |
| Hampton Elementary School | Bay City School District | 399 | 16.6 | 46% | 51% |
| McAlearSawden Elem School | Bay City School District | 378 | 14.5 | 44% | 41% |
| Bay City Academy Farragut Campus · charter | Bay City Academy | 373 | 18.6 | 22% | 32% |
| Washington Elementary School | Bay City School District | 362 | 12.1 | 22% | 27% |
| Bangor West Central School | Bangor Township Schools | 361 | 27.8 | 47% | 47% |
| Bangor Lincoln School | Bangor Township Schools | 344 | 26.5 | 47% | 42% |
| Bangor Central School | Bangor Township Schools | 332 | 23.7 | 32% | 42% |
64.2% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with, not how the schools perform, so it is shown and not scored.
Public schools only, from the NCES Common Core of Data, placed by ZIP code — which schools are in this place, not which one a particular address is zoned for. A dash in a proficiency column is a gap in the federal file, not a bad result. Proficiency is measured against Michigan’s own standard, so it is ranked within state. How to read school figures.
Housing & affordability
How it’s calculated — housing affordability →Prices for everything a household buys run about 9% below the national average — the Bureau of Economic Analysis index reads 90.6, against 100 for the nation. Nationally, housing drives most of the spread between places in this index; other goods vary far less.
The Federal Housing Finance Agency’s house price index for the Bay City, MI Metro Area is up 51% over five years, and up 5.1% over the last year. It follows repeat sales of the same homes, so it measures price change rather than which homes happened to sell.
Homeowners here who pay a tax bill pay a median of $1,764 a year in real estate taxes, about 1.81% of the median home value.
HUD’s Fair Market Rent for a two-bedroom, set near the 40th percentile of recent new leases, is $1,030, some 34% above the $766 tenants already here pay.
At HUD’s Fair Market Rent of $1,030 a month for a two-bedroom, keeping rent to 30% of income takes a household income of about $41,200 a year, about 83% of the median household income here of $49,420.
The typical renter household here spends 29% of its income on rent, below the 30% threshold at which a household is considered cost-burdened. Median gross rent runs $766 a month.
A median home at $97,600 costs 1.7 times the median income of its owner-occupied households, $57,247, close to the historic benchmark for an affordable market.
Prices here run about 9% below the national average. The spread between places is driven mostly by housing — goods vary far less — and this excludes taxes.
Published for the Bay City, MI Metro Area as a whole. Prices are regional — people shop, commute and rent across a metropolitan area rather than within a city boundary — so this describes the cost of living around this place better than a figure drawn to its own limits would.
The figures above are measured against Bay City’s median household income of $49,420, which describes the place rather than you. Enter your own and the ratio is recomputed against it. It stays in this browser.
| Metric | Value | Compared nationally | Source period |
|---|---|---|---|
| Cost of living indexthe Bay City, MI Metro Area’s figure2023 | 90.6 | Top 8%of 3,700 | 2023 |
| Home price change (1 year)the Bay City, MI Metro Area’s figure2026 Q2 | +5.1% | 79th percentileof 4,154 | 2026 Q2 |
| Home price change (5 years)the Bay City, MI Metro Area’s figure2026 Q2 | +51.0% | 82nd percentileof 4,154 | 2026 Q2 |
| Home price change (10 years)the Bay City, MI Metro Area’s figure2026 Q2 | +106.9% | 72nd percentileof 4,154 | 2026 Q2 |
| Home price to income ±0.12024 ACS 5-Year | 1.7 | Top 22%of 26,815 | 2024 ACS 5-Year |
| Homeownership rate ±3%2024 ACS 5-Year | 70.1% | 38th percentileof 31,717 | 2024 ACS 5-Year |
| Housing units ±4332024 ACS 5-Year | 16,078 | 96th percentileof 32,177 | 2024 ACS 5-Year |
| Market rent, one bedroomFY2026 | $814 | Top 9%of 4,072 | FY2026 |
| Market rent, three bedroomFY2026 | $1,399 | Top 13%of 4,072 | FY2026 |
| Market rent, two bedroomFY2026 | $1,030 | Top 9%of 4,072 | FY2026 |
| Median gross rent ±$442024 ACS 5-Year | $766 | Top 24%of 23,120 | 2024 ACS 5-Year |
| Median home value ±$2,4272024 ACS 5-Year | $97,600 | 18th percentileof 29,111 | 2024 ACS 5-Year |
| Median property taxes ±$522024 ACS 5-Year | $1,764 | 50th percentileof 26,440 | 2024 ACS 5-Year |
| Owner household income ±$4,3492024 ACS 5-Year | $57,247 | Bottom 20%of 27,548 | 2024 ACS 5-Year |
| Property tax rate ±0.07%2024 ACS 5-Year | 1.81% | 88th percentileof 20,543 | 2024 ACS 5-Year |
| Rent as a share of income ±1%2024 ACS 5-Year | 29.1% | Bottom 45%of 22,950 | 2024 ACS 5-Year |
| Seasonal and second homes ±892024 ACS 5-Year | 118 | 90th percentileof 32,330 | 2024 ACS 5-Year |
| Second homes2024 ACS 5-Year | 0.7% | 59th percentileof 31,895 | 2024 ACS 5-Year |
| Vacancy rate2024 ACS 5-Year | 8.0% | 55th percentileof 31,769 | 2024 ACS 5-Year |
| Vacant housing units ±2532024 ACS 5-Year | 1,401 | 96th percentileof 32,330 | 2024 ACS 5-Year |
These measures come from the same ACS release as the income they are compared with. They compare housing cost with local earnings only: transport, groceries, healthcare, insurance and taxes are not in them. How to read affordability, the two rent figures and the cost-of-living index.
Growth & development
How it’s calculated — growth →Development Momentum
An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.
Population has fallen 2% since 2020, to 32,086 in 2024.
Federal tax returns show Bay County, which contains Bay City, gained about 0.2% of its residents through moves within the US in the most recent year, counting those who arrived against those who left. Households that moved in reported an average income of $50,904, close to the $52,219 of households that moved out.
At 0.0 permitted units per 1,000 residents, building activity is below the median for measured US cities.
Population, annual estimates
People moving in and out
Where newcomers came from
- Saginaw County, MI 821 people · 22% of arrivals
- Midland County, MI 542 people · 15% of arrivals
- Arenac County, MI 176 people · 4.8% of arrivals
- Tuscola County, MI 143 people · 3.9% of arrivals
- Genesee County, MI 140 people · 3.8% of arrivals
Where people who left went
- Saginaw County, MI 772 people · 22% of departures
- Midland County, MI 489 people · 14% of departures
- Arenac County, MI 149 people · 4.3% of departures
- Oakland County, MI 145 people · 4.1% of departures
- Genesee County, MI 141 people · 4.0% of departures
Based on the address on federal tax returns, compared with the same filers a year earlier. It counts people who file, and sees a move only when the address on a return changes. Domestic moves only: people arriving from abroad are left out. This is the figure for Bay County, MI. IRS Statistics of Income, filing years 2022–2023.
Housing units permitted per year
Weather & climate
5 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 82°F and January a low of 16°F.
Normal annual precipitation is 32.1 inches, including 49.0 inches of snow.
Air quality measures a median index of 37, in the Good band, and no day in the year passed 100.
Precipitation
| Metric | Value | Source period |
|---|---|---|
| 90th percentile air quality index2024 calendar year | 56 | 2024 calendar year |
| Annual precipitation1991-2020 Normals | 32.1" | 1991-2020 Normals |
| Annual snowfall1991-2020 Normals | 49.0" | 1991-2020 Normals |
| Average January low1991-2020 Normals | 16°F | 1991-2020 Normals |
| Average July high1991-2020 Normals | 82°F | 1991-2020 Normals |
| Comfortable months1991-2020 Normals | 5 | 1991-2020 Normals |
| Days above AQI 1002024 calendar year | 0 | 2024 calendar year |
| Median air quality index2024 calendar year | 37 | 2024 calendar year |
| Seasonal temperature swing1991-2020 Normals | 49°F | 1991-2020 Normals |
Air quality
A comfortable median and a bad tail are different problems. Wildfire smoke and summer ozone show up in the worst tenth of days, not in the middle of the year.
Climate figures are thirty-year normals, not current conditions. Air quality is measured by EPA monitors and published by county only where a monitor sits; a county without one shows nothing rather than an estimate, and a county reading is still the county’s. How to read climate and air quality.
Physical risk
The hazards accounting for most of this area's expected annual loss are inland flooding, cold wave and tornado, with inland flooding alone responsible for 55% of it. Cold wave is independently rated low or minimal nationally, so this describes how the loss is composed, not how large that hazard is.
Overall hazard risk is lower than 74% of measured US cities.
Low or minimal exposure: winter weather, cold wave, ice storm, lightning, coastal flooding, earthquake, hurricane, landslide, wildfire, drought, tsunami, volcanic activity, avalanche.
Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. City values are the population-weighted mean of the counties the city overlaps, using AreaProfile place-to-county land-area weights. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.
Below these are deaths rather than offenses, published for the county. The two measure different things and are not comparable with each other.
Bay City's police department reported 510 violent offenses per 100,000 residents, higher than most places with a department reporting. Property crime runs at 1,580.
Bay County has a modeled homicide rate of about 2.0 per 100,000 residents a year, because the CDC suppresses counts this small, lower than most counties measured. The CDC does not publish this below county level.
Firearm deaths of all intents run at 9.8 per 100,000 — more than the homicide rate, since the figure counts suicides and accidents as well as homicides.
Drug overdose deaths run at 23.4 per 100,000 residents in Bay County.
Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides, so the firearm figure and the homicide figure above it count some of the same deaths twice over. They overlap and should not be added together.
Offenses are reported to the FBI by Bay City’s own police department and shown only where it reported every month of the year; a partial year is withheld rather than scaled up. Reported crime is what police recorded, which is not the same as what happened. Death rates are crude rates — deaths divided by population, not adjusted for age — except where a count was too small for the CDC to publish and it modeled the rate, which the card marks. They come from provisional death certificate records, published by the CDC by county and not below it. So they describe the county around Bay City (Bay County) rather than Bay City itself. Neither is part of the Area Score. How to read crime rates and death rates.
What this profile does not cover
Each of these is absent for a reason, not by oversight. The Area Score is calculated without them; the weighting is on the methodology page.
- Taxes
- Income and sales taxes are not published: no source covers them nationally with a method open enough to check. Property taxes are shown in the housing section but are not part of the score. The cost-of-living index above is a price level for all consumption, not a household budget, and it excludes taxes. Nothing here is individualized tax advice.
- Anything about a specific address
- Every figure describes an area, not a street or a house.
Access
5 major airports lie within 100 miles, the nearest Mbs Intl at 10 miles.
| Metric | Value | Compared nationally | Source period |
|---|---|---|---|
| Broadband access ±2%2024 ACS 5-Year | 85.6% | Bottom 33%of 31,588 | 2024 ACS 5-Year |
| Distance to major airportNASR current cycle | 10 mi | Top 28%of 4,226 | NASR current cycle |
| Major airports within 100 milesNASR current cycle | 5 | Top 45%of 4,226 | NASR current cycle |
| No internet access ±2%2024 ACS 5-Year | 10.1% | Bottom 37%of 31,588 | 2024 ACS 5-Year |
| Airport | Code | Distance | Longest runway |
|---|---|---|---|
| Mbs Intl | MBS | 10 mi | 8,002 ft |
| Oscoda/Wurtsmith | OSC | 64 mi | 11,801 ft |
| Capital Region Intl | LAN | 66 mi | 8,506 ft |
Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.
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Similar places
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Data & methodology
| Used for | Source | Source period |
|---|---|---|
| Access | Federal Aviation Administration Airports (NASR) — Aeronautical Data Delivery Service | NASR current cycle |
| Safety | Federal Bureau of Investigation, Crime Data Explorer Summarized offense counts by law enforcement agency | 2025 calendar year |
| Physical risk | Federal Emergency Management Agency National Risk Index | National Risk Index December 2025 (v1.20.0) |
| Demographics, Income | Internal Revenue Service, Statistics of Income Division U.S. Population Migration Data (county to county) | filing years 2022–2023 |
| Climate | NOAA National Centers for Environmental Information U.S. Climate Normals 1991–2020 (Monthly) | 1991-2020 Normals |
| Housing | U.S. Bureau of Economic Analysis Regional price parities and county personal income | 2023 |
| Jobs | U.S. Bureau of Labor Statistics Occupational Employment and Wage Statistics | 2025 OEWS |
| Jobs | U.S. Bureau of Labor Statistics Local Area Unemployment Statistics | July 2026 |
| Demographics | U.S. Census Bureau Population Estimates Program | July 1, 2024 estimate |
| Development | U.S. Census Bureau Building Permits Survey | 12 months ending July 2026 |
| Access, Demographics, Housing, Income, Jobs | U.S. Census Bureau American Community Survey 5-Year Estimates (Table-Based Summary File) | 2024 ACS 5-Year |
| Safety | U.S. Centers for Disease Control and Prevention, National Center for Health Statistics Provisional county-level mortality by intent | March 2025 to February 2026; May 2025 to April 2026 |
| Schools | U.S. Department of Education, National Center for Education Statistics Common Core of Data and EDFacts assessments | 2018-19 school year; 2024-25 school year |
| Housing | U.S. Department of Housing and Urban Development, Office of Policy Development and Research Fair Market Rents | FY2026 |
| Climate | U.S. Environmental Protection Agency, Air Quality System Daily Air Quality Index by county | 2024 calendar year |
| Housing | U.S. Federal Housing Finance Agency House Price Index (traditional, all-transactions) | 2026 Q2 |
| Current conditions | NOAA National Weather Service National Weather Service current conditions | Live observation, read when the page opens |
Profile recalculated October 8, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology, or every source with how often each updates.