Bay County, MI

County Profile

103,008 residents. Safety, jobs, income, housing cost, climate and natural-hazard risk for Bay County, MI.

Several figures AreaProfile publishes are measured by county and nowhere finer — death rates by intent among them. On this page those describe the geography they are printed on, which is not true of the city and ZIP pages that inherit them.

54out of 100
Area Score
Bottom 20% of 1,225 profiles measured

How we calculate this

How this area ranks
Opportunity1219th of 1,255 counties measured20
Schools790th of 973 counties measured26
Growth961st of 1,226 counties measured34
Housing affordabilityTop 22% of 1,255 counties measured100
Climate954th of 1,254 counties measured60
Physical resilienceTop 23% of 1,255 counties measured79
AccessTop 8% of 1,255 counties measured97
Economic stability668th of 1,255 counties measured60
The quick read

Employment conditions sit below most comparable published profiles: unemployment is 5.4% and the Opportunity signal places Bay County in the bottom 3%.

Natural-hazard exposure is lower than in most comparable published profiles, placing Bay County in the top 23% for physical resilience.

A major airport is 13 miles away, giving the area unusually direct access to the national air network.

At a glance

Population
103,008
2024 ACS 5-Year
Median household income
$61,763
Bottom 41% nationally
Density
233/sq mi
442.4 sq mi of land
Median age
43.9
2024 ACS 5-Year
County
Bay County
Michigan
Metro area
Bay City, MI
Nearest major airport
MBS
13 mi · Mbs Intl
Median home value
$152,200
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 5.4% is lower than 13% of the 1,255 measured US locations.

Employment fell 7.3% over the past year, to 43,886 employed residents.

MetricValueCompared nationallySource period
Median household income ±$2,526$61,763Bottom 41%of 3,2222024 ACS 5-Year
Per capita income ±$936$35,602Top 46%of 3,2222024 ACS 5-Year
Poverty rate13.2%Bottom 49%of 3,2222024 ACS 5-Year
Average commute24.3 minBottom 40%of 3,2222024 ACS 5-Year
Bachelor's degree or higher22.1%Bottom 49%of 3,2222024 ACS 5-Year
Employment43,886Top 49%of 1,255June 2026
Employment change (3 years)-8.2%Bottom 1%of 1,255June 2026
Employment change (year over year)-7.3%Bottom 1%of 1,255June 2026
Labor force46,371Top 48%of 1,255June 2026
Labor force participation59.3%Top 47%of 3,2222024 ACS 5-Year
Unemployment change (year over year)-0.9%Bottom 7%of 1,255June 2026
Unemployment rate5.4%Top 13%of 1,255June 2026
Unemployment rate
2021/062022/032022/122023/092024/062025/032025/102026/066.84.2
Monthly unemployment rate from the Bureau of Labor Statistics, most recent value 5.4% in June 2026. A break in the line is a month the Bureau of Labor Statistics did not publish for this area — it is left empty rather than estimated.
Median household income, successive ACS releases
202120222023202462k53k
Each point is a separate five-year estimate, most recently $61,763 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.
Largest occupations — Bay City, MI
OccupationPeople employedMedian annual wage
Fast Food and Counter Workers1,380$28,060
Home Health and Personal Care Aides1,040$34,100
Retail Salespersons920$33,320
Cashiers910$29,150
Registered Nurses810
Office Clerks, General770$38,100

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.

27% of students met the state standard in mathematics and 47% in reading, across the schools here that reported results.

There are 17.2 students for every full-time teacher, more than in most measured places.

Public schools
33
2024-25 school year
Students per teacher
17.2
across all schools here
Math proficiency
27.2%
Bottom 19% in Michigan
Reading proficiency
46.7%
Bottom 38% in Michigan
SchoolDistrictStudentsPer teacherMathReading
Bay City Western High SchoolBay City School District1,00924.0
Bay City Central High SchoolBay City School District92117.1
John Glenn High SchoolBangor Township Schools86427.9
Western Middle SchoolBay City School District68117.942%77%
Christa McAuliffe Middle SchoolBangor Township Schools60822.532%67%
Handy Middle SchoolBay City School District59813.917%52%
Garber High SchoolEssexville-Hampton Public Schools48911.9
Cramer Junior High SchoolEssexville-Hampton Public Schools48417.925%64%
Auburn Elementary SchoolBay City School District47419.036%42%
Kolb Elementary SchoolBay City School District45114.135%39%
Hampton Elementary SchoolBay City School District39916.638%42%
McAlearSawden Elem SchoolBay City School District37814.528%40%

54.8% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with rather than how the schools perform, which is why AreaProfile shows it and does not score it.

Public schools only, from the NCES Common Core of Data. Schools are placed by ZIP code, so this is which schools are in this place rather than which one a particular address is zoned for — district boundaries do not follow municipal ones, and enrollment zones change. Fully virtual schools are excluded: they enroll students from across the state while reporting one administrative address, and counting them here would describe a school population this place does not have. The assessment covers grades 3 through 8, so a high school shows no proficiency figure — a dash in those columns means the test was not given at that school, not that it performed badly. Proficiency is measured against Michigan’s own standard, so it compares cleanly within the state and only broadly against other states; AreaProfile therefore ranks it within state. The directory is current, while the proficiency figures are from the last school year with national coverage before the pandemic interrupted testing.

Housing & affordability

How it’s calculated →

Median rent of $860 takes 17% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 2.5 times median household income here, close to the historic benchmark for an affordable market.

Rent as a share of income
16.7%
Below the 30% cost-burdened threshold
Home price to income
2.5×
median home value ÷ median income
Median gross rent
$860
2024 ACS 5-Year
Median home value
$152,200
2024 ACS 5-Year
MetricValueCompared nationallySource period
Home price to income2.46Bottom 27%of 3,2192024 ACS 5-Year
Homeownership rate77.0%Top 36%of 3,2222024 ACS 5-Year
Housing units ±5148,659Top 18%of 3,2222024 ACS 5-Year
Median gross rent ±$37$860Bottom 48%of 3,2162024 ACS 5-Year
Median home value ±$3,642$152,200Bottom 32%of 3,2192024 ACS 5-Year
Rent as a share of income16.7%Bottom 46%of 3,2162024 ACS 5-Year
Vacancy rate7.3%Bottom 16%of 3,2222024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
34/ 100
Ranks 961 of 1,226 published city profiles
Permitting is increasing, measured from 2022 to 2025.

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 1% since 2020, reaching 102,651 in 2024.

Permitting has turned upward after moving the other way the year before.

At 0.6 permitted units per 1,000 residents, building activity is below the median for measured US locations.

Units permitted
61
12 months ending July 2026
Per 1,000 residents
0.6
Bottom 7% nationally
Year over year
+97%
vs the prior twelve months
Multifamily share
26.2%
units in 5+ unit buildings
Population, annual estimates
20202021202220232024104k103k
Census Population Estimates Program, July 1 of each year. These annual estimates are designed for year-over-year comparison, unlike the ACS five-year figure shown as this profile's population.
Housing units permitted per year
20222023202420256439
Annual totals from the Census Building Permits Survey. Permitting in 2025 was lower than 2022 (−8%).

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.

10°30°50°70°90°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station SAGINAW MBS INTL AP, 12.6 miles from this location.
Precipitation
JFMAMJJASOND3.9"
Normal monthly precipitation, in inches.
MetricValueSource period
90th percentile air quality index56.02024 calendar year
Annual precipitation32.1"1991-2020 Normals
Annual snowfall49.0"1991-2020 Normals
Average January low16°F1991-2020 Normals
Average July high82°F1991-2020 Normals
Comfortable months51991-2020 Normals
Days above AQI 10002024 calendar year
Median air quality index37.02024 calendar year
Seasonal temperature swing49°F1991-2020 Normals
Air quality
Median air quality index
37
Good on a typical day
Worst tenth of days
56
90th percentile index
Days above 100
0
unhealthy for sensitive groups

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. They describe what a typical year looks like rather than what the weather is doing today. Air quality is measured rather than modelled, by EPA monitors, and published by county only where a monitor sits — roughly half the counties AreaProfile publishes have one, and the rest show nothing rather than an estimate. Air masses are regional, so a county reading describes the air over a place reasonably well, but it is still the county reading.

Physical risk

79 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are inland flooding, tornado and strong wind.

Strong windElevated
TornadoModerate
HailModerate
Inland floodingModerate
Heat waveModerate

Low or minimal exposure: winter weather, cold wave, ice storm, lightning, coastal flooding, earthquake, hurricane, landslide, wildfire.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA National Risk Index county record. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

These are deaths, not offences. AreaProfile does not publish reported crime, and this is not a substitute for it — it says nothing about burglary, theft or assault.

Bay County records 2.2 homicide deaths per 100,000 residents a year, 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, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 21.5 per 100,000 residents in Bay County.

Homicide
2.2
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
9.8
per 100,000 residents
Drug overdose
21.5
per 100,000 residents
Suicide
16.6
per 100,000 residents

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides. The two columns overlap and should not be added.

Age-adjusted rates from provisional death certificate records, published by the CDC for Bay County as a whole — these rates are not published below county level. A county can hold both a dense city centre and a suburb whose experience of it is nothing alike, so this describes the county around Bay County rather than Bay County itself. That is why AreaProfile shows these figures and does not put them in the Area Score. Where fewer than ten deaths were recorded the count is suppressed at source, and a rate built on single figures moves sharply between releases. What this measure has that reported crime does not: a death certificate is filed whether or not the local police agency submitted a return that year, so the figures stay comparable between places and over time.

What this profile does not cover

Three things people look for are missing from every AreaProfile page, and each is missing for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Reported crime
The FBI’s Crime Data Explorer is the only source for reported offences with national coverage and a published method, and it requires an API key AreaProfile does not hold. Arrest counts, news volume and commercial “safety scores” are not substituted in the meantime. What is published above under Safety is a different measurement — deaths rather than offences, from death certificates rather than police returns — and it covers no property crime at all.
Taxes
No tax dataset has met the source admission test for coverage, transparent methodology and update cadence. Nothing here is individualized tax advice.
Full cost of living
No public source publishes one with national coverage and a documented method. Housing affordability above is computed from published rent, price and income, and excludes transport, groceries, healthcare, insurance and taxes — commuting cost in particular tends to offset suburban housing savings.

Access

5 major airports lie within 100 miles, the nearest 13 miles away.

AirportCodeDistanceLongest runway
Mbs IntlMBS13 mi8,002 ft
Oscoda/WurtsmithOSC59 mi11,801 ft
Capital Region IntlLAN71 mi8,506 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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Area Score
54
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Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)
safetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
April, 2025 to March, 2026Quarterly, with a rolling twelve-month window alongside complete calendar years
schoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2019-20 school year; 2024-25 school yearDirectory annually; assessment results as EDFacts releases them
ClimateU.S. Environmental Protection Agency, Air Quality System
Daily Air Quality Index by county
2024 calendar yearAnnually, once a calendar year is complete

Profile recalculated August 30, 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 browse every source.

Cities in Bay County, MI