Bay City, MI — City Data, Demographics & Statistics
Bay County · Michigan
City DNA
A unique fingerprint for Bay City based on 8 key metrics — compared to averages.
Quick Stats
Population
32,445
2023 ACS
Median Income
$47,904
2023
Median Home Value
$89,900
2023
Median Rent
$739
2023
Median Age
39.7
Unemployment
6.5%
Cost of Living Index
78.4
100 = national avg
Bay City is a city in Bay County, Michigan, with a population of 32,445 according to the 2023 American Community Survey. Bay City is one of the communities in Michigan.
The median household income in Bay City is $47,904, and the median home value is $89,900. The cost of living index is 78.4 (where 100 = national average), and the median rent is $739 per month. The unemployment rate is 6.5%, and the median age is 39.7 years.
People & Demographics
Source: U.S. Census Bureau ACS (2023)Population
Total Population
32,445
Male
15,501
47.8%
Female
16,944
52.2%
Median Age
39.7
Education & Household
Bachelor's or Higher
12.8%
High School or Higher
37.7%
Foreign Born
1.8%
Veterans
6.0%
Married
32.9%
Avg Household Size
2.2
Marital Status by Age
Race & Ethnicity
Diversity Index
0.232
Simpson's Index (0-1)
Largest Group
White
86.5%
Foreign Born
1.8%
Hispanic/Latino Ethnicity
Hispanic/Latino is an ethnicity, not a race. People of any race can identify as Hispanic. This percentage overlaps with the racial categories above.
Hispanic/Latino
10.7%
3,485 people
Not Hispanic/Latino
89.3%
Hispanic/Latino Detail
Source: U.S. Census Bureau ACS (2023)Asian Detail
Source: U.S. Census Bureau ACS (2023)Native Hawaiian & Pacific Islander Detail
Source: U.S. Census Bureau ACS (2023)American Indian & Alaska Native Detail
Source: U.S. Census Bureau ACS (2023)Languages Spoken
Total Speakers (5+)
30,619
English Only
96.2%
#1 Non-English Language
Spanish
617 speakers
Limited English
1.1%
Language Distribution
English Proficiency
Speaks English Very Well
98.9%
Limited English Proficiency
1.1%
Veterans & Military
Total Veterans
1,931
6.0% of population
Disability Rate
35.3%
681 with disability
Veteran Median Income
$37,480
Unemployment Rate
6.8%
Period of Service
Veteran Age Distribution
Male Veterans
1,744
90.3%
Female Veterans
187
9.7%
Veteran vs Non-Veteran Income
Veteran Income
$37,480
Non-Veteran Income
$29,763
Difference
$7,717
25.9% higher
Disability Status
With Disability
681
Without Disability
1,250
Disability Rate
35.3%
Ancestry & Heritage
Total Reporting Ancestry
26,344
#1 Ancestry
German
23.2% (7,539)
#2 Ancestry
Polish
14.6% (4,735)
#3 Ancestry
Irish
10.9% (3,547)
Top 20 Ancestries
Source: U.S. Census Bureau ACS (2023)Families & Households
Total Households
14,557
Family Households
7,559
51.9%
Married Couples
4,719
32.4%
Non-Family Households
6,998
48.1%
Single Mother Households
2,204
15.1%
Single Father Households
636
4.4%
Living Alone
5,913
40.6%
Children Under 18
Total Children
6,266
In Married Couple
3,034
48.4%
With Single Mother
2,484
39.6%
With Single Father
748
11.9%
Family Income
Median Family Income
$63,750
Married Couple Income
$72,771
Single Mother Income
$34,194
Single Father Income
$66,585
Avg Family Size
2.2
Avg Non-Family Size
2.0
Grandparents w/ Grandchildren
270
Grandparents Responsible
112
Economy
Source: U.S. Census Bureau ACS (2023)Income Overview
Median Household Income
$47,904
-35% vs national
Per Capita Income
$29,756
-20% vs national
Poverty Rate
21.5%
+58% vs national
Gini Index
0.4544
0 = perfect equality
Unemployment
6.5%
+26% vs national
SNAP Recipients
21.8%
of households
How Bay City Compares
Bay City vs Similar Cities
Compared to cities with 25,000 - 50,000 residents. Bay City is highlighted.
Median Household Income
Bay City, MI has a median household income of $47,904, making it the 22,335th highest median household income out of 28,123 cities in our database. This means that Bay City has a higher median household income than 21% of all the cities we measured.
Per Capita Income
Bay City, MI has a per capita income of $29,756, making it the 17,525th highest per capita income out of 28,123 cities in our database. This means that Bay City has a higher per capita income than 38% of all the cities we measured.
Poverty Rate
Bay City, MI has a poverty rate of 21.5%, making it the 6,320th highest poverty rate out of 31,262 cities in our database. This means that Bay City has a higher poverty rate than 80% of all the cities we measured.
Unemployment Rate
Bay City, MI has a unemployment rate of 6.5%, making it the 8,120th highest unemployment rate out of 31,012 cities in our database. This means that Bay City has a higher unemployment rate than 74% of all the cities we measured.
Where Do You Stack Up?
Enter your household income to see how you compare to other households in Bay City. The median household income here is $47,904.
Income Distribution
Employment Snapshot
Unemployment Rate
6.5%
+17% vs MI avg
Labor Force
16,080
Employed
15,028
Mean Commute
19 min
How People Get to Work
Employment by Sector
Education & Workforce
Bachelor's Degree+
12.8%
of adults 25+
High School Diploma+
37.7%
of adults 25+
Median Age
39.7
Work from Home
6.8%
of workers
Top Occupations & Wages
Source: Bureau of Labor Statistics OEWS (2024)
Data represents the Bay City, MI metro area
Highest-Paying Job
Registered Nurses
Top Median Wage
$87.7K
per year
Occupations Tracked
20
Cost of Living
Overall Index
78.4
100 = national avg
-21.6 vs national average
Living Wage (1 Adult)
$34,514
per year
Living Wage (Family of 4)
$81,577
per year
Cost Index by Category
100 = national average. Higher = more expensive.
Fair Market Rent
Source: HUD
1 Bedroom
$814
per month
2 Bedroom
$1,030
per month
The median household income in Bay City, MI is $47,904, which is 34.6% below the national average of $73,224. Per capita income is $29,756. The poverty rate of 21.5% is higher than the MI state average of 14.1%. The Gini index of income inequality is 0.4544, where 0 represents perfect equality and 1 represents maximum inequality. The unemployment rate is 6.5%, compared to the state average of 5.6%. The labor force is 16,080. 12.8% of adults hold a bachelor's degree or higher. The average commute time is 19 minutes, with 6.8% working from home. About 80.5% of workers drive alone to work. The overall cost of living index is 78.4, which is 21.6% below the national average. Housing costs are below the national average at an index of 70.5. A single adult needs to earn approximately $34,514 per year to cover basic expenses.
Housing & Real Estate
Market SnapshotRedfin — January 2026
Median Sale Price
$110,000
Median List Price
$132,450
Price Per Sq Ft
$83
Days on Market
25
Active Inventory
95
Months of Supply
2.9
Seller's market
Zillow Home Value
$116,993
ZHVI — January 2026
Zillow Rent Index
$980
ZORI — January 2026
Market CompetitivenessRedfin
Sold Above List
30.3%
Off Market in 2 Weeks
40.0%
Sale-to-List Ratio
96.6%
Buyer's market
Price TrendsRedfin
Market ActivityRedfin
Homes Sold
33
New Listings
44
Pending Sales
45
Price Per Square FootRedfin
Median Sale $/SF
$83
Median List $/SF
$110
House Price IndexFHFA
How much have housing prices increased in Bay City, MI? According to the Federal Housing Finance Agency (FHFA) House Price Index for the Bay City, MI metro area, home prices have risen 379.7% over the past 40 years. Over 20 years, prices grew 67.7%. The 10-year growth rate is 94.8%. Over the last 5 years, prices increased 62.8%. In the most recent 2-year period, the index rose 16.9%. The FHFA HPI tracks average price changes in repeat sales or refinancings of single-family properties with conforming mortgages. Because this is a metro-level index, it reflects the broader Bay City, MI housing market rather than Bay City alone.
Metro area: Bay City, MI
Bay City vs Similar CitiesCensus ACS / Redfin
Compared to cities with 25,000 - 50,000 residents. Bay City is highlighted.
Median Home Value
Bay City, MI has a median home value of $89,900, making it the 23,561st highest median home value out of 27,993 cities in our database. This means that Bay City has a higher median home value than 16% of all the cities we measured.
Median Rent
Bay City, MI has a median rent of $739, making it the 17,519th highest median rent out of 22,337 cities in our database. This means that Bay City has a higher median rent than 22% of all the cities we measured.
Median Price Per Sq Ft
Bay City, MI has a price per square foot of $83, making it the 18,216th highest price per square foot out of 20,748 cities in our database. This means that Bay City has a higher price per square foot than 12% of all the cities we measured.
Rent Burden
Bay City, MI has a rent burden of 18.5%, making it the 11,009th highest rent burden out of 21,928 cities in our database. This means that Bay City has a higher rent burden than 50% of all the cities we measured.
Census Housing DataU.S. Census Bureau ACS 2023
Median Home Value
$89,900
Median Rent
$739
Total Housing Units
16,173
Vacancy Rate
10.0%
Owner Occupied
68.5%
Renter Occupied
31.5%
Median Property Tax
$1,710
per year
Monthly Cost (w/ Mortgage)
$762
Housing Types
Property TaxU.S. Census Bureau ACS 2023
Median Property Tax
$1,710
per year
Effective Tax Rate
1.90%
of home value
Median Home Value
$89,900
Estimated Mean Tax
$1,843
The effective property tax rate is calculated by dividing the median annual property tax ($1,710) by the median home value ($89,900). In Bay City, MI, this works out to an effective rate of 1.90%. This is above the national average of approximately 1.1%.
The current median sale price in Bay City, MI is $110,000 according to Redfin data. Homes spend a median of 25 days on the market. 30.3% of homes sold above asking price. The market has 2.9 months of supply. The median price per square foot is $83. Zillow's observed rent index is $980/month. About 68.5% of housing units are owner-occupied. The median year homes were built is 1938. There are 16,173 total housing units. Homeowners pay a median annual property tax of $1,710. The effective tax rate is 1.90%, above the national average.
Crime Overview
Source: FBI Crime Data Explorer (2024)Violent Crime Rate
5.64
per 1,000 residents
+117% vs national
Property Crime Rate
18.68
per 1,000 residents
+9% vs national
Total Crimes
776
2024
Violent Clearance
57%
cases solved
Property Clearance
15%
cases solved
YoY Change
-9.5%
violent crime rate
improving vs 2023
How Bay City Compares
Source: FBI (2024)Bay City vs Similar Cities
Source: FBI (2024)Compared to cities with 25,000 - 50,000 residents. Bay City is highlighted in green.
Violent Crime Rate (per 1,000)
Property Crime Rate (per 1,000)
Murder Rate (per 1,000)
Crime Rate Trends
Source: FBICrime Composition
Source: FBI (2024)Violent Crime Breakdown
Property Crime Breakdown
Crime Clearance (Solve) Rates
Source: FBI (2024)Bay City police solve 100% of murder cases but only 13% of larceny/theft cases.
Weapon Used in Violent Crime
Source: FBI (2024)Crime Breakdown
Source: FBI Crime Data Explorer (2024)| Crime Type | Category | Count | Rate per 1K | Clearance % |
|---|---|---|---|---|
| Murder | Violent | 2 | 0.06 | 100.0% |
| Rape | Violent | 34 | 1.07 | 23.5% |
| Robbery | Violent | 11 | 0.34 | 45.5% |
| Aggravated Assault | Violent | 133 | 4.17 | 65.4% |
| Burglary | Property | 79 | 2.48 | 25.3% |
| Larceny/Theft | Property | 443 | 13.88 | 13.3% |
| Motor Vehicle Theft | Property | 74 | 2.32 | 16.2% |
Bay City, MI reported 180 violent crimes and 596 property crimes in 2024. The violent crime rate of 5.64 per 1,000 residents is 117.0% above the national average of 2.60 per 1,000. Law enforcement cleared 57% of violent crimes. Larceny/theft accounts for 443 of the property crime reports. Firearms were involved in 27.8% of aggravated assaults. Violent crime has been trending downward.
Crime History
Source: FBI| Year | Violent | Property | Violent Rate | Property Rate |
|---|---|---|---|---|
| 2024 | 180 | 596 | 5.64 | 18.68 |
| 2023 | 200 | 627 | 6.23 | 19.53 |
| 2022 | 185 | 391 | 5.74 | 12.12 |
| 2021 | 248 | 508 | 7.70 | 15.78 |
| 2020 | 279 | 504 | 8.59 | 15.51 |
| 2019 | 271 | 654 | 8.26 | 19.94 |
| 2018 | 232 | 737 | 7.04 | 22.37 |
| 2017 | 251 | 1,001 | 7.54 | 30.07 |
| 2016 | 207 | 926 | 6.14 | 27.46 |
| 2015 | 208 | 1,090 | 6.12 | 32.09 |
Natural Hazard Risk
Source: FEMA National Risk IndexRisk Score
78.2
Relatively Low
Expected Annual Loss
78.8
Score (0-100)
Social Vulnerability
44.1
Score (0-100)
Community Resilience
98.4
Score (0-100)
Scores range from 0 (lowest risk) to 100 (highest risk) relative to all U.S. communities. Data from FEMA National Risk Index.
Disaster History & Federal Spending
Source: FEMATotal Declarations
14
Public Assistance
$8.3M
Individual Assistance
$2.3M
Most Common Type
Severe Storm
4 declarations
Public Assistance by Category
| Disaster | Type | Date | PA $ | IA $ |
|---|---|---|---|---|
| Covid-19 Pandemic → | Biological | Mar 2020 | $8.2M | $1.8M |
| Covid-19 → | Biological | Mar 2020 | — | — |
| Severe Storms and Flooding → | Severe Storm | Aug 2017 | — | $372K |
| Hurricane Katrina Evacuation → | Hurricane | Sep 2005 | — | — |
| Snow → | Snowstorm | Jan 2001 | $119K | — |
| Severe Storms → | Severe Storm | Jun 1998 | — | — |
| Severe Storms and Flooding → | Severe Storm | Jul 1996 | — | — |
| Severe Storms & Flooding → | Flood | Sep 1986 | — | — |
| Severe Storms and Flooding → | Flood | Sep 1985 | — | — |
| Blizzards & Snowstorms → | Snowstorm | Jan 1978 | — | — |
| Severe Storms, Tornadoes, Icing & Floodi… → | Severe Storm | Mar 1976 | — | — |
| Severe Storms & Flooding → | Flood | Apr 1973 | — | — |
| Severe Storms & Flooding → | Flood | Dec 1972 | — | — |
| Tornadoes & Severe Storms → | Tornado | Apr 1965 | — | — |
| Severe Storms and Flooding → | Unknown | — | — | $62K |
| Severe Storms, Tornadoes, and Flooding → | Unknown | — | — | $357 |
PA = FEMA Public Assistance (infrastructure recovery). IA = Individual Assistance (homeowner/renter aid).
Flood Insurance (NFIP)
Source: FEMA NFIPTotal Claims
515
Total Claims Paid
$2,490,221
Avg Claim Payout
$4,835
County-level NFIP data from FEMA National Flood Insurance Program.
Hazard Mitigation
Source: FEMA Hazard Mitigation AssistanceMitigation Projects
8
Federal Funding
$1,846,661
Properties Protected
1
Avg Benefit-Cost Ratio
1.42
BCR
Top Mitigation Project Types
| Project Type | Projects | Federal $ |
|---|---|---|
| 301.1: Shoreline Stabilization (Riprap, etc.) | 2 | $109,181 |
| 203.3: Wet Floodproofing Public Structures - Riverine | 1 | $389,912 |
| 403.4: Stormwater Management - Detention/Retention Basins; 405.1: Other Minor Flood Control | 1 | $971,226 |
| 403.3: Stormwater Management - Flapgates/Floodgates | 1 | $264,415 |
| 400.1: Utility Protective Measures (Electric, Gas, etc.) | 1 | $5,700 |
Federally funded projects to reduce future disaster risk. Only includes completed or obligated projects.
Bay City has a relatively low overall natural hazard risk rating according to FEMA's National Risk Index. The top hazard risks are winter weather, strong wind, cold wave. The area has had 14 federal disaster declarations. The most common disaster type is severe storm (4 declarations). 515 flood insurance claims have been filed in the area. FEMA has obligated $8,298,719 in public assistance recovery funding. $2,270,969 has been distributed in individual assistance to disaster-affected residents. 8 hazard mitigation projects have been funded to reduce future risk.
Health
Community Health
Source: CDC PLACES
Obesity Rate
40.7%
4.6pp above the national average
Depression Rate
28.7%
5.2pp above the national average
Diabetes Rate
13.0%
1.1pp above the national average
Uninsured Rate
9.2%
1.4pp below the national average
Health Scorecard
Higher scores indicate better health outcomes relative to the national average (50 = average)
Health Outcomes
Age-adjusted prevalence rates. Green bars indicate rates below the national average; red indicates above.
High Cholesterol
34.5%
Arthritis
30.7%
Cancer (excl. skin)
8.5%
Teeth Lost (65+)
16.4%
Health Risk Behaviors
Prevention & Screening
Green bars indicate rates above the national average (more preventive care); red indicates below.
Mental Health & Wellbeing
Frequent Mental Distress
19.9%
14+ days in past month
Depression
28.7%
Loneliness
33.0%
Lack of Support
23.4%
Disability Prevalence
Any Disability
34.5%
Mobility
16.0%
Cognitive
17.7%
Hearing
8.0%
Vision
6.1%
Self-Care
4.8%
Independent Living
10.7%
Health-Related Social Needs
Prevalence of social risk factors affecting community health
Bay City has an obesity rate of 40.7%, which is 4.6pp above the national average. The depression rate is 28.7%, 5.2pp above the national average. About 9.2% of adults lack health insurance. 78.1% of residents had an annual checkup in the past year.
Nearby Hospitals
Source: CMS Hospital Compare
Nearest Hospitals
5
With Emergency Services
5
Avg CMS Rating
2.0 / 5
Nearest Hospital
3.0 mi
Mclaren Bay Region
| Hospital | Distance | Type | Rating | ER |
|---|---|---|---|---|
| Mclaren Bay Region | 3.0 mi | Acute Care Hospitals | 2/5 | Yes |
| Healthsource Saginaw | 11.5 mi | Acute Care Hospitals | — | Yes |
| Covenant Medical Center | 12.5 mi | Acute Care Hospitals | 2/5 | Yes |
| Ascension St Mary'S Hospital | 13.5 mi | Acute Care Hospitals | 2/5 | Yes |
| Mclaren Caro Region | 26.2 mi | Critical Access Hospitals | — | Yes |
Climate & Environment
Water Systems
Source: EPA SDWISWater Systems
19
Pop. Served
90,277
Violations (5yr)
6
| System Name | Pop. Served | Violations (5yr) |
|---|---|---|
| BAY CITY, CITY OF | 32,255 | 4 |
| BANGOR TOWNSHIP | 11,999 | 0 |
| HAMPTON TOWNSHIP | 9,652 | 0 |
| BAY CO. DEPT OF WATER & SEWER | 8,465 | 0 |
| WILLIAMS TOWNSHIP | 5,444 | 0 |
| MONITOR TOWNSHIP | 5,217 | 0 |
| FRANKENLUST TOWNSHIP | 3,626 | 0 |
| KAWKAWLIN TOWNSHIP | 3,170 | 2 |
| BANGOR-MONITOR METRO DISTRICT | 2,971 | 0 |
| PINCONNING TOWNSHIP | 1,479 | 0 |
| MERRITT TOWNSHIP | 1,474 | 0 |
| FRASER TOWNSHIP | 1,226 | 0 |
| BEAVER TOWNSHIP | 1,211 | 0 |
| BEAVER ROAD AREA WATER ASSOC. | 829 | 0 |
| PORTSMOUTH TOWNSHIP | 535 | 0 |
| WISNER AREA WATER SYSTEM | 504 | 0 |
| AKRON TOWNSHIP | 219 | 0 |
| SAGINAW-MIDLAND WATER SUPPLY | 1 | 0 |
| BAY AREA WATER SYSTEM | — | 0 |
Greenhouse Gas Emitters
Source: EPA GHGRP (2023)Facilities Reporting
1
Total CO₂e
179.0K MT
Top Emitter
MICHIGAN SUGAR COMPANY - Bay City
179.0K MT CO₂e
Total CO₂e vs Similar Cities (25,000 - 50,000)
| Facility | Sector | CO₂e (MT) |
|---|---|---|
MICHIGAN SUGAR COMPANY - Bay City Michigan Sugar Co | Minerals | 179,043 |
Data from EPA Greenhouse Gas Reporting Program (GHGRP). Includes facilities emitting 25,000+ metric tons CO₂e/year.
There are 19 water systems serving the area. 6 water quality violations have been reported in the past 5 years. 1 industrial facility reports greenhouse gas emissions totaling 179.0K metric tons of CO₂e.
Infrastructure
Commute Overview2023 ACS
Mean Commute
19 min
-17% vs national
Drive Alone
80.5%
+2% vs national
Public Transit
0.6%
-39% vs national
Work From Home
6.8%
-27% vs national
Carpool
7.6%
Walk / Bike
3.1%
combined
How Bay City's Commute ComparesCensus ACS 2023
How People Get to WorkCensus ACS 2023
Commute Mode BreakdownCensus ACS 2023
Traffic Fatalities
Source: NHTSA FARS (2023)Fatalities
1
2023
5-Year Avg
2
fatalities/yr
Pedestrian
1
Nighttime
1
dark conditions
| Year | Crashes | Fatalities | Alcohol | Pedestrian | Cyclist |
|---|---|---|---|---|---|
| 2023 | 1 | 1 | 0 | 1 | 0 |
| 2022 | 3 | 3 | 0 | 2 | 0 |
| 2021 | 4 | 4 | 0 | 3 | 0 |
| 2019 | 1 | 1 | 0 | 0 | 0 |
| 2018 | 3 | 3 | 0 | 1 | 0 |
Data from NHTSA Fatality Analysis Reporting System (FARS). Includes only crashes involving at least one fatality.
The average commute in Bay City, MI is 19 minutes, which is 17.1% below the national average of 23 minutes. 80.5% of workers drive alone, compared to the national average of 78.7%. 6.8% work from home, which is below the MI state average of 9.1%. 7.6% of workers carpool. 2.9% walk to work. In 2023, there were 1 traffic fatality from 1 fatal crash. 1 was a pedestrian.
Internet & Broadband Access
Source: Census ACSBroadband Access
86.0%
of households
Cable / Fiber / DSL
72.3%
of households
No Internet
11.0%
of households
Total Households
14,557
Internet Subscription Types
Device Ownership
Source: Census ACSHas Computer
91.5%
of households
Smartphone
84.5%
of households
Desktop / Laptop
73.7%
of households
Tablet
53.8%
of households
Percentage of households with each device type. Data from the U.S. Census Bureau ACS (2023 5-year estimates, tables B28001 & B28002).
Electricity Rates
Source: U.S. Energy Information Administration (2024)Residential Rate
19.3¢
per kWh
+1% vs 25,000 - 50,000 avg
Commercial Rate
14.0¢
per kWh
-9% vs 25,000 - 50,000 avg
Industrial Rate
8.3¢
per kWh
-30% vs 25,000 - 50,000 avg
Avg Monthly Bill
$119
residential
-19% vs 25,000 - 50,000 avg
13% above the national average of 17.1¢/kWh
Residential electricity in Michigan averages 19.3¢ per kWh, compared to the national average of 17.1¢. The average monthly electric bill is $119. State-level averages from EIA Electric Sales & Revenue data (2024).
Bay City vs Similar Cities
Source: EIA (2024)Comparing electricity rates with randomly selected cities of similar population (25,000 - 50,000). Each city represents its state's average rate.
Residential Rate (¢/kWh)
Commercial Rate (¢/kWh)
Industrial Rate (¢/kWh)
Average Monthly Bill
Water Systems
Source: EPA SDWISWater Systems
19
Population Served
90,277
Violations (5yr)
6
| System Name | Type | Source | Pop. Served | Violations |
|---|---|---|---|---|
| BAY CITY, CITY OF | Community | Purchased surface water | 32,255 | 4 |
| BANGOR TOWNSHIP | Community | Purchased surface water | 11,999 | 0 |
| HAMPTON TOWNSHIP | Community | Purchased surface water | 9,652 | 0 |
| BAY CO. DEPT OF WATER & SEWER | Community | Purchased surface water | 8,465 | 0 |
| WILLIAMS TOWNSHIP | Community | Purchased surface water | 5,444 | 0 |
| MONITOR TOWNSHIP | Community | Purchased surface water | 5,217 | 0 |
| FRANKENLUST TOWNSHIP | Community | Purchased surface water | 3,626 | 0 |
| KAWKAWLIN TOWNSHIP | Community | Purchased surface water | 3,170 | 2 |
| BANGOR-MONITOR METRO DISTRICT | Community | Purchased surface water | 2,971 | 0 |
| PINCONNING TOWNSHIP | Community | Purchased surface water | 1,479 | 0 |
| MERRITT TOWNSHIP | Community | Purchased surface water | 1,474 | 0 |
| FRASER TOWNSHIP | Community | Purchased surface water | 1,226 | 0 |
| BEAVER TOWNSHIP | Community | Purchased surface water | 1,211 | 0 |
| BEAVER ROAD AREA WATER ASSOC. | Community | Purchased surface water | 829 | 0 |
| PORTSMOUTH TOWNSHIP | Community | Purchased surface water | 535 | 0 |
| WISNER AREA WATER SYSTEM | Community | Purchased surface water | 504 | 0 |
| AKRON TOWNSHIP | Community | Purchased surface water | 219 | 0 |
| SAGINAW-MIDLAND WATER SUPPLY | Community | Surface water | 1 | 0 |
| BAY AREA WATER SYSTEM | Community | Surface water | 0 | 0 |
86.0% of households in Bay City have broadband internet access. 72.3% have cable, fiber, or DSL service. 12.1% rely solely on cellular data without a wired connection. 11.0% of households have no internet access. 10.9% use only a smartphone without a desktop or laptop. The area is served by 19 water systems, providing water to 90,277 people. A total of 6 water quality violations have been recorded over the past 5 years.
Politics & Government
County-level data: Election results are reported at the county level. Bay City is located in Bay County, MI. Results reflect all voters in the county, not just those in Bay City.
Election Overview
Source: Bay County (2024)2024 Winner
Republican
Dem Votes
25,767
42.0%
GOP Votes
34,792
56.7%
Total Votes
61,331
Margin
R+14.7%
Shift from 2020
R+3.2pp
vs prior election
Election History
Source: County-Level Election Results| Year | Dem Votes | GOP Votes | Total | Dem % | GOP % | Margin |
|---|---|---|---|---|---|---|
| 2024 | 25,767 | 34,792 | 61,331 | 42.0% | 56.7% | R+14.7 |
| 2020 | 26,151 | 33,125 | 60,255 | 43.4% | 55.0% | R+11.6 |
| 2016 | 21,641 | 28,327 | 52,932 | 40.9% | 53.5% | R+12.6 |
In the 2024 presidential election, Bay County recorded 61,331 total votes. Republicans won the county with 56.7% of the vote compared to 42.0% for Democrats, a margin of R+14.7%. Compared to 2020, the margin shifted R+3.2pp from the previous election. Since 2016, Bay County has shifted 2.1 percentage points toward Republicans.
Nonprofits Overview
Source: IRS Exempt Organizations BMFTotal Nonprofits
246
Total Assets
$688.5M
Total Income
$470.8M
Per 10K Residents
75.8
nonprofits
+15.0% vs peers avg
Orgs with >$1M Assets
30
Median Assets
$478K
Oldest Active
1941
ruling year
Newest Org
2025
ruling year
Nonprofits by Category
Source: IRS / NTEE ClassificationTop 10 hold $622.7M of $688.5M total
Nonprofit Size Distribution
Source: IRS Exempt Organizations BMFNumber of nonprofits by total asset size
When Were Nonprofits Founded?
Source: IRS Ruling DateNumber of currently active nonprofits by founding decade
Nonprofits per 10K Residents vs Similar Cities
Source: IRS BMF + Census ACSCompared to cities with population 25,000 - 50,000
Largest Nonprofits in Bay City
Source: IRS Exempt Organizations BMFBay City, MI has 246 registered 501(c)(3) nonprofit organizations with combined assets of $688.5M. The most common category is Arts, Culture & Humanities, with 21 organizations. 30 nonprofits have assets exceeding $1 million. That works out to 75.8 nonprofits per 10,000 residents. The oldest active nonprofit dates back to 1941.
SBA Lending Overview
Source: SBA FOIA Loan-Level DataTotal SBA Loans
304
Total Approved
$80.4M
Jobs Supported
2,451
Per 10K Residents
93.7
SBA loans
-8.9% vs peers avg
Unique Lenders
44
Top Lender
The Huntington National Bank
107 loans
Top Industry
Accommodation & Food Services
Data Span
1992–2026
Loan Program Breakdown
Source: SBA FOIALoans
278
Total Amount
$71.2M
Avg Loan
$256,238
Median Loan
$100,000
SBA Guaranteed
$51.7M(73%)
Jobs Supported
1,964
Loans
26
Total Amount
$9.1M
Avg Loan
$351,500
Median Loan
$329,000
Recent Activity (Last 5 Years)
Source: SBA FOIARecent Loans
80
26% of all-time total
Recent Amount
$32.8M
41% of all-time total
Avg Recent Loan
$410,158
Top Industries Funded
Source: SBA FOIA / NAICS CodesSBA Loans per 10K Residents vs Similar Cities
Source: SBA FOIA + Census ACSCompared to cities with population 25,000 - 50,000
Top SBA Borrowers
Source: SBA FOIA| Business | Loans | Amount |
|---|---|---|
| B&g Hotels Llc a Michigan Limited Liability Company | 1 | $3.3M |
| Quality Inn & Suites | 1 | $3.3M |
| Euclid Property Investment Llc | 1 | $3.2M |
| Bay City Stay Llc | 1 | $2.7M |
| Serenity Bay Health Pllc | 1 | $2.6M |
| Select Dining Inc. | 2 | $2.6M |
| Bay City Boring & Machine Inc | 2 | $2.0M |
| Ba Vos Inc. | 1 | $2.0M |
| Gregory Rosecrans Dds Pc | 4 | $1.7M |
| Agile Growth Holding Company L.l.c. | 2 | $1.4M |
Bay City, MI has received 304 SBA loans totaling $80.4M in approved funding between 1992 and 2026. The 7(a) program accounts for 278 loans (91% of the total), supporting 1,964 jobs. The 504 program, focused on real estate and large equipment, has funded 26 loans totaling $9.1M. The most common industry receiving SBA funding is Accommodation & Food Services. The most active SBA lender in Bay City is The Huntington National Bank with 107 loans. That works out to 93.7 SBA loans per 10,000 residents.
ZIP Code Overview
Source: Census ACSZIP Codes
8
Total Population
93,871
Avg Median Income
-$83,282,365
Avg Home Value
-$83,227,333
ZIP Code Details
Source: Census ACS| ZIP Code | Population | Median Income | Home Value | Median Rent | Area (sq mi) |
|---|---|---|---|---|---|
| 48604 | 11,284 | $53,804 | $93,200 | $928 | 26.3 |
| 48631 | 4,058 | $77,813 | $164,400 | $772 | 33.0 |
| 48706 | 38,756 | $61,908 | $142,300 | $887 | 66.3 |
| 48708 | 25,751 | $50,216 | $98,500 | $703 | 29.1 |
| 48710 | 0 | N/A | N/A | N/A | 0.4 |
| 48724 | 1,226 | $31,787 | $68,100 | N/A | 0.5 |
| 48732 | 11,308 | $53,466 | $160,200 | $759 | 24.6 |
| 48747 | 1,488 | $78,750 | $121,300 | $1,135 | 31.8 |
Bay City, MI has 8 ZIP codes with a combined population of 93,871. The average median household income across all ZIP codes is -$83,282,365. The average median home value is -$83,227,333. The average median monthly rent is -$166,666,018.
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