Housing data for Bay Township, MI
Bay Township, MI has an estimated 1,198 residents and 936 homes (US Census Bureau, 2020–2024 American Community Survey).
It is a township in Charlevoix County.
3.2% of households rent.
The median gross rent is $968 a month.
Figures last updated on .
- Residents
- 1,198 (±175)
- Housing units
- 936 (±99)
- Households that rent
- 3.2%
- Median gross rent
- $968
- Residents since 2015–2019
- +2.8%
What stands out in Bay Township
Households that rent: 3.2% (±2.6 points) in Bay Township, lower than in Charlevoix County (16.5%).
Homes in buildings of 5 or more units: 0.3% (±4.6 points) in Bay Township, lower than in Charlevoix County (7.9%).
Median home value: $368,000 (±$33,438) in Bay Township, higher than in Charlevoix County ($276,800).
Households without a vehicle: 1.9% (±1.6 points) in Bay Township, lower than in Charlevoix County (5.4%).
Housing in Bay Township at a glance
- Median rent: $968 median gross rent a month (Small sample: wide margin of error)
- Rent burden: 0.0% of renters pay 30% or more of income (Small sample: wide margin of error)
- Renters and owners: 3.2% of households rent (Small sample: wide margin of error)
- Income and affordability: $80,833 median household income
- Home values: $368,000 median home value
- Homeowner costs: $1,456 median monthly cost with a mortgage
- Property taxes: $2,877 median real estate taxes a year
- Types of homes: 0.3% of homes are in buildings of 5 or more units
- Bedrooms: 79.9% of homes have 3 or more bedrooms
- Age of homes: 43.4% of homes were built before 1980
- Vacancy rate: 0.0% rental vacancy rate (Small sample: wide margin of error)
- Heating fuel: 55.5% heat with utility gas
- Commute and cars: 21.4 minutes average trip to work
- Growth: +2.8% residents since 2015–2019
- How long people stay: 14.9% moved in since 2020
- Crowding and facilities: 0.0% of homes have more than 1 person per room (Small sample: wide margin of error)
Bay Township against Charlevoix County, its state and the nation
| Bay Township | Charlevoix County | Michigan | United States | |
|---|---|---|---|---|
| Residents | 1,198 (±175) | 26,108 (exact) | 10,077,761 (exact) | 334,922,499 |
| Housing units | 936 (±99) | 17,640 (±133) | 4,622,236 (±795) | 143,775,355 |
| Households that rent | 3.2% (±2.6 points) | 16.5% (±1.8 points) | 26.8% (±0.2 points) | 34.8% |
| Median gross rent | $968 (±$65) | $949 (±$55) | $1,129 (±$4) | $1,413 |
| Median household income | $80,833 (±$9,968) | $76,531 (±$3,028) | $72,875 (±$293) | $80,734 |
| Median home value | $368,000 (±$33,438) | $276,800 (±$11,188) | $231,600 (±$642) | $332,700 |
| Median real estate taxes (a year) | $2,877 (±$248) | $2,493 (±$79) | $2,904 (±$9) | $3,119 |
| Built before 1980 | 43.4% (±9.5 points) | 47.2% (±2.6 points) | 62.1% (±0.2 points) | 49.7% |
| Average commute | 21.4 minutes (±2.1) | 19.9 minutes (±0.9) | 24.2 minutes (±0.1) | 26.4 minutes |
| Households with broadband | 95.8% (±3.0 points) | 90.1% (±1.4 points) | 90.5% (±0.1 points) | 91.0% |
| Median age of residents | 52.9 years (±4.8) | 50.4 years (±0.3) | 40.2 years (±0.1) | 38.9 years |
Bay Township covers 15.5 square miles of land, about 77 residents per square mile (Census Bureau Gazetteer).
How Bay Township has changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Residents | 1,165 (±117) | 1,198 (±175) | +2.8% | Not a measurable change |
| Housing units | 910 (±58) | 936 (±99) | +2.9% | Not a measurable change |
| Median gross rent | $1,083 (±$151) | $968 (±$65) | −10.6% | Down after inflation |
| Median home value | $231,700 (±$25,448) | $368,000 (±$33,438) | +58.8% | Up after inflation |
| Median household income | $72,500 (±$9,008) | $80,833 (±$9,968) | +11.5% | No measurable change after inflation |
| Median owner cost with a mortgage | $1,331 (±$207) | $1,456 (±$109) | +9.4% | No measurable change after inflation |
| Median real estate taxes | $2,152 (±$245) | $2,877 (±$248) | +33.7% | No measurable change after inflation |
| Households that rent | 3.7% (±2.3 points) | 3.2% (±2.6 points) | −0.5 percentage points | Not a measurable change |
| Rental vacancy rate | 0.0% (±55.5 points) | 0.0% (±67.2 points) | 0.0 percentage points | Not a measurable change |
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.
Crime reported to police in Charlevoix County
Bay Township has no police department of its own in the FBI’s figures, so this is the figure for Charlevoix County as a whole.
In 2025, the police departments that report for Charlevoix County recorded 138 violent and 357 property crimes per 100,000 residents.
A county-wide figure describes the whole county, not this place; crime varies from one community to the next.
ZIP codes in Bay Township
| ZIP code | Share of the ZIP’s land in this place | Residents | Median gross rent | Median home value | Median household income |
|---|---|---|---|---|---|
| 49712 | 17% | 8,203 | $941 | $294,800 | $74,033 |
A ZIP code is a mail route rather than a boundary, so the Census Bureau publishes figures for ZIP Code Tabulation Areas built from census blocks; the share column says how much of each one’s land lies in this place.
Places near Bay Township
| Place | Distance | Median gross rent | Median home value | Households that rent |
|---|---|---|---|---|
| Resort Township | 2.6 mi | $844 | $394,500 | 9.7% |
| Evangeline Township | 3.4 mi | $1,333 | $384,100 | 12.8% |
| Petoskey | 4.9 mi | $1,006 | $364,100 | 38.9% |
| Hayes Township (Charlevoix County) | 5.2 mi | $1,404 | $247,000 | 10.4% |
| Boyne City | 6.2 mi | $906 | $249,000 | 31.8% |
| Eveline Township | 6.6 mi | $1,375 | $459,100 | 5.2% |
| Melrose Township | 7.7 mi | $1,750 | $262,600 | 8.9% |
| Bear Creek Township | 7.9 mi | $1,453 | $364,500 | 36.0% |
Places in Michigan most like Bay Township
| Place | Median gross rent | Median home value | Median household income | Households that rent |
|---|---|---|---|---|
| Wright Township (Ottawa County) | $1,132 | $321,000 | $87,344 | 10.5% |
| Wilson Township (Charlevoix County) | $970 | $299,500 | $94,844 | 5.2% |
| Danby Township | $891 | $288,800 | $92,768 | 8.2% |
| Cleveland Township | $1,095 | $442,400 | $81,607 | 9.5% |
| Grass Lake Charter Township | $980 | $297,300 | $95,692 | 9.3% |
| Forest Home Township | $1,007 | $307,300 | $81,111 | 5.8% |
Matched on rent, home value, income, the share who rent, the age of the homes, the share in apartment buildings and the commute, each measured against the spread across Michigan.
HUD Fair Market Rent for Bay Township, fiscal year 2027
| Studio | 1 bedroom | 2 bedrooms | 3 bedrooms | 4 bedrooms |
|---|---|---|---|---|
| $798 | $855 | $1,119 | $1,549 | $1,619 |
HUD income limits for Bay Township, fiscal year 2026
| Household size | Extremely low (30%) | Very low (50%) | Low (80%) |
|---|---|---|---|
| 1 person | $20,450 | $34,100 | $54,550 |
| 2 people | $23,400 | $39,000 | $62,350 |
| 3 people | $27,320 | $43,850 | $70,150 |
| 4 people | $33,000 | $48,700 | $77,900 |
| 5 people | $38,680 | $52,600 | $84,150 |
| 6 people | $44,360 | $56,500 | $90,400 |
| 7 people | $50,040 | $60,400 | $96,600 |
| 8 people | $55,720 | $64,300 | $102,850 |
These are the limits HUD sets for its housing programs in the Charlevoix County, MI, where HUD’s median family income for fiscal year 2026 is $97,400.
A program can use its own limits; tax-credit and local programs often do.
Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.
Margins of error are at the 90% confidence level.
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Questions about Bay Township
What is the median household income in Bay Township?
The median household income in Bay Township is $80,833 (±$9,968) a year (2020–2024 American Community Survey).
What is the average home value in Bay Township, MI?
The Census Bureau publishes the median: $368,000 (±$33,438) for owner-occupied homes in Bay Township (2020–2024 American Community Survey).
What is the average mortgage payment in Bay Township?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Bay Township, MI is $1,456 (±$109) a month, including taxes, insurance and utilities.
How much are property taxes in Bay Township?
The median real estate tax paid by homeowners in Bay Township, MI is $2,877 (±$248) a year (2020–2024 American Community Survey).
How many homes are in Bay Township?
Bay Township, MI has an estimated 936 (±99) housing units, occupied and vacant (2020–2024 American Community Survey).
What is the most common home size in Bay Township?
The most common size is 3 bedrooms, 46.0% of homes in Bay Township, MI.
Is Bay Township growing?
In Bay Township, the number of residents went from 1,165 in 2015–2019 to 1,198 in 2020–2024 (+2.8%), not a measurable change.
What ZIP codes are in Bay Township?
The ZIP code that covers Bay Township is 49712.
What is the median rent in ZIP code 49712?
The median gross rent in ZIP Code Tabulation Area 49712 is $941 (±$93) a month (2020–2024 American Community Survey).
Sources
- Demographic and Housing Estimates (DP05), 2020–2024 ACS 5-year estimates — Bay township, Charlevoix County, Michigan
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Bay township, Charlevoix County, Michigan
- Selected Economic Characteristics (DP03), 2020–2024 ACS 5-year estimates — Bay township, Charlevoix County, Michigan
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Bay township, Charlevoix County, Michigan
- Selected Social Characteristics (DP02), 2020–2024 ACS 5-year estimates — Bay township, Charlevoix County, Michigan
- Total Population (B01003), 2015–2019 ACS 5-year estimates — Bay township, Charlevoix County, Michigan
- Median Gross Rent (B25064), 2015–2019 ACS 5-year estimates — Bay township, Charlevoix County, Michigan
- HUD Fair Market Rents, fiscal year 2027: Charlevoix County, MI
- HUD Small Area Fair Market Rents, fiscal year 2027
- HUD Income Limits, fiscal year 2026: Charlevoix County, MI
- US Census Bureau, American Community Survey 2020–2024 5-year estimates for ZIP Code Tabulation Areas
- Consumer Price Index for All Urban Consumers (CPI-U), US city average, all items, US Bureau of Labor Statistics: annual averages 2019 and 2024
- US Census Bureau, 2024 Gazetteer Files
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) for Bay township, Charlevoix County, Michigan (county subdivision:06000, in state:26 county:029).
Each estimate (E or PE) has a margin of error beside it (M or PM).
The 2015–2019 figures are B01003_001E, B01003_001M, B25064_001E, B25064_001M from the 2019 release.
The API needs a free key.
DP05_0001E, DP05_0001M, DP04_0001E, DP04_0001M, DP04_0047PE, DP04_0047PM, DP04_0134E, DP04_0134M, DP03_0062E, DP03_0062M, DP04_0089E, DP04_0089M
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.
Figures last updated on .