What is the median household income in Bay City, MI?

Name: Income and affordability in Bay City, MI, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

The median household income in Bay City, MI is $49,420 (±$2,180) a year (2020–2024 American Community Survey).

Paying the median gross rent of $766 a month would take about $30,600 a year at the common guideline of spending no more than 30% of income on rent.

In Bay City, the median household income went from $37,893 in 2015–2019 to $49,420 in 2020–2024 (+30.4%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

Figures last updated on November 12, 2026.

Median household income: $49,420 (±$2,180)
Median renter income: $26,688 (±$5,224)
Income to afford median rent: about $30,600

Income in Bay City against Bay County, its state and the nation

Income, estimate (90% margin of error)
	Bay City	Bay County	Michigan	United States
Median household income	$49,420 (±$2,180)	$61,763 (±$2,526)	$72,875 (±$293)	$80,734
Median renter household income	$26,688 (±$5,224)	$35,715 (±$3,064)	$42,352 (±$376)	$52,966
Median owner household income	$57,247 (±$4,349)	$72,178 (±$3,521)	$87,130 (±$344)	$100,009
Median gross rent	$766 (±$44)	$860 (±$37)	$1,129 (±$4)	$1,413

In Bay City, median household income is lower than in Bay County ($61,763).

It is also lower than in Michigan ($72,875).

It is lower than the national figure ($80,734).

In Bay County, Bay City ranks 18 of 18 places with a published estimate, from highest to lowest median household income.

Statewide, it ranks 1366 of 1,517.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

How much you need to earn to rent in Bay City

Many landlords and housing programs use 30% of gross income as the most a household should spend on rent.

At that guideline, the median gross rent of $766 a month ($9,192 a year) needs an income of about $30,600 a year.

The median renting household in Bay City earns $26,688 a year, less than that.

This is arithmetic on the published medians, not a rule any landlord must follow; screening criteria vary and some places limit how income may be weighed.

Income against housing costs since 2015–2019

2015–2019 and 2020–2024 American Community Survey 5-year estimates
	2015–2019	2020–2024	Amount of change	Verdict
Median household income	$37,893 (±$2,045)	$49,420 (±$2,180)	+30.4%	No measurable change after inflation
Median gross rent	$634 (±$28)	$766 (±$44)	+20.8%	No measurable change after inflation
Median home value	$66,800 (±$1,672)	$97,600 (±$2,427)	+46.1%	Up after inflation

The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.

Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.

The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.

Median household income in places near Bay City

Nearest places with a published estimate, compared with Bay City
Place	Distance	Median household income	Compared with this place
Bay City	—	$49,420 (±$2,180)	—
Essexville	2.8 mi	$75,341 (±$17,822)	Higher
Portsmouth Charter Township	3.7 mi	$79,310 (±$7,338)	Higher
Bangor Charter Township	4.3 mi	$60,661 (±$9,605)	Higher
Monitor Charter Township	5.2 mi	$76,563 (±$13,606)	Higher
Frankenlust Township	5.6 mi	$92,685 (±$18,723)	Higher
Hampton Charter Township	6.2 mi	$51,728 (±$5,664)	Not measurably different
Zilwaukee	7.6 mi	$57,756 (±$8,378)	Not measurably different
Kochville Township	7.6 mi	$42,333 (±$12,532)	Not measurably different

Nearby places with a measurably higher figure: Essexville, MI ($75,341), Portsmouth Charter Township, MI ($79,310), Bangor Charter Township, MI ($60,661).

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median household income across Bay County, place by place

Rank	Place	Median household income
12	Pinconning	$64,565 (±$20,469)
13	Gibson Township	$61,691 (±$15,702)
14	Fraser Township	$61,571 (±$11,713)
15	Bangor Charter Township	$60,661 (±$9,605)
16	Pinconning Township	$60,625 (±$15,904)
17	Hampton Charter Township	$51,728 (±$5,664)
18	Bay City	$49,420 (±$2,180)

Showing 7 of 18 places in Bay County, ranked from highest to lowest.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

What you can do on Seayora in Bay City

One account for renting, owning, managing and fixing homes, with these figures beside you.

Own or manage a rental?

List it, sign the lease and collect rent online, with the figures for Bay City beside you.

Create a landlord account · See what landlords get

Looking for a place to rent?

Browse homes for rent near Bay City, save the ones you like and apply online.

Browse rentals · Create a renter account

Do repairs, renovations or maintenance?

Get found by owners and renters near Bay City, and send estimates and invoices from your phone.

Join as a pro · Find a pro

Questions about Bay City

What is the median household income in Bay City?

The median household income in Bay City is $49,420 (±$2,180) a year (2020–2024 American Community Survey).

How much do you need to make to afford rent in Bay City?

About $30,600 a year, if rent is to stay at or below 30% of income at the median gross rent of $766 a month.

Have incomes in Bay City kept up with inflation?

In Bay City, the median household income went from $37,893 in 2015–2019 to $49,420 in 2020–2024 (+30.4%).

Prices (CPI-U) rose 22.7% over the same years; the change is not measurably different from the rise in prices.

What do renters earn in Bay City?

The median renting household in Bay City, MI earns $26,688 (±$5,224) a year.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Bay City city, Michigan (place:06020, in state:26).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B19013_001E, B19013_001M, B25064_001E, B25064_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP03_0062E, DP03_0062M, B25119_003E, B25119_003M, B25119_002E, B25119_002M, DP04_0134E, DP04_0134M

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.