← Map/Michigan/Counties/Bay

Bay
Michigan

104K

Population

$58K

Median Income

$187K

Median Home

R+10

Politics

Economy

Median Household Income$58K
This county
national avg ~$75K
Poverty Rate14.3%
This county
national avg ~11.5%
Unemployment Rate5.2%
This county
national avg ~3.8%
GDP per Capita$44,813
Federal Spending per Capita$1,078
Median Individual Earnings$39K
This county
national avg $45K
Professional/Management Workers31.3%
Average Adjusted Gross Income$61K
Avg Credit Score688
Work From Home %6.8%
This county
national avg 17.0%
Population Under 1819.8%
This county
national avg 22.0%
Single-Person Households32.6%
This county
national avg 28.0%
Banks & Finance Firms56
Income (20th Percentile)$26K
Income (80th Percentile)$111K
Income (95th Percentile)$192K
Bachelor's Degree or Higher22.7%
This county
national avg 35.0%
Less Than High School9.0%
This county
national avg 11.0%
Knowledge Economy GDP %12.5%
Dependency Ratio1.01
Medicare Spending / Person$3,703
SS Benefits / Person$5,492
Education Wage Premium2.40x
Median Earnings (Bachelor's)$55K
Median Earnings (Graduate)$83K
Median Earnings (HS Diploma)$34K
Public Assistance Recipients2.6%
Average Annual Wage$55K
Professional Services Concentration0.54x national
This county
1.0 = national average share

Housing

Median Home Value$182K
This county
$250K state avg
$303K national
Median Sale Price$155K
This county
$303K national
Market Rent (ZORI)$1181/mo
This county
$1150/mo state avg
$1400/mo national
Property Tax Rate1.67%
This county
1.32% state avg
1.10% national

Annual tax on median home: $2,091

Affordability & Supply

HUD Fair Market Rent (2BR)$1,030/mo
Home Price Change (1 yr)+5.1%
Home Value to Income Ratio1.7x income
Severely Cost-Burdened Households10.0%
Homeownership Rate75.6%
This county
national avg ~65%

Market Activity

Sale-to-List RatioBuyers market — homes selling below list
97.8%
Listings with Price CutsLow — market moving fast
23.5%
Sold Above List Price
34.0%
Median Days to Close
26 days
Active Listings
270
New Listings / Month
105

Source: Zillow Research · Updated monthly

Days on Market (Redfin)Fast market
16 days
Months of Supply (Redfin)Low inventory — sellers market
2.8 mo
Sold Above List (Redfin)Competitive — many homes bid up
40.2%

Sale-to-List Cross-Reference

Zillow 97.8%  ·  Redfin 100.0%

Source: Redfin · Updated monthly

Health

Life Expectancy75.3 yrs
This county
national avg ~78.5 years
Hospital Rating1.0 / 5
This county
national avg 3.0 stars
Food Insecurity13.1%
This county
national avg ~11%
Food Environment Index7.5 / 10
This county
higher = better access
Primary Care Shortage Score14
This county
national avg 5
Mental Health Shortage Score8
Dental Care Shortage Score16
Healthcare Shortage Score12.7
Healthcare Offices220
Obesity Rate (BRFSS)37.9%
This county
national avg 32.0%
Smoking Rate (BRFSS)16.2%
This county
national avg 14.0%
Poor Health Rate (BRFSS)18.3%
This county
national avg 18.0%
Physical Inactivity (BRFSS)24.6%
This county
national avg 24.0%
High Blood Pressure (BRFSS)31.7%
This county
national avg 32.0%
Active Physicians174
Nursing Home Rating2.7 / 5
This county
national avg ~3 stars
ER Visits per 1,000 Medicare Patients724 / 1,000
Medicare Cost per Beneficiary$12,281
Uninsured (under 65)5.9%
This county
national avg ~10%
Adults with Depression28.4%

Education

Math Test Scores2.78 grade level
Reading Test Scores2.97 grade level
HS Diploma Holders22,780
Bachelor's Degree Holders9,176
HS Completion Rate91.0%
This county
national avg ~85%
Private Schools20

Safety

Violent Crime Rate3.9 / 1,000
This county
national avg ~4.0
Firearm Fatality Rate10.1 / 100K
This county
national avg ~13.6/100K
Homicide Rate2.1 / 100K
This county
national avg ~7.5/100K
Drug Overdose Rate34.7 / 100K
This county
national avg ~21/100K
Traffic Fatalities15
Social Vulnerability (CDC SVI)29th pct
Drug Overdose Deaths (2024)18.5 / 100K
Suicide Rate15.1 / 100K
This county
national avg ~14/100K

Climate & Air Quality

Natural Amenity Scale-1.5
January Sunshine-1.40
January Temperature-0.81
Average Temp48°F
Avg High Temp57°F
Avg Low Temp39°F
Median AQIAQI 42
Good Air Days229 days/yr
Unhealthy Air Days6 days/yr
Annual Precipitation26.8 in/yr
Avg Storm Events4.8 storms/yr
Avg Annual Storm Damage$620K
Ozone Days0 days/yr
This county
national avg 50 days/yr
Drought Index (2022)-0.31
Heating Degree Days6,832 HDD/yr
This county
national avg ~4,500 HDD/yr
Cooling Degree Days652 CDD/yr
This county
national avg ~1,200 CDD/yr
Heating Degree Days (1901–2000 Baseline)7,466 HDD/yr
Cooling Degree Days (1901–2000 Baseline)435 CDD/yr
Avg Tornadoes / Year0.0
Avg Flood Events / Year0.4
Avg Hail Events / Year0.4
Avg Hurricane Events / Year0.00
Avg Wildfire Events / Year0.0
Avg Winter Storms / Year0.0
Avg Heat Events / Year0.0
Natural Hazard Risk (FEMA)71 / 100
Community Resilience (FEMA)98 / 100
Federal Disaster Declarations14 since 1953
Fine Particulate Pollution (PM2.5)4.7 µg/m³
This county
EPA standard 9 µg/m³

Outdoor & Recreation

Historic Places (NRHP)16 properties
FAA-Registered Airports5 total
Airports (excl. heliports)2 airports

Internet & Remote Work

Download Speed355 Mbps
This county
national avg ~120 Mbps
Upload Speed21 Mbps
Fixed Internet (Q1 2026)347 Mbps
Mobile Internet (Q1 2026)329 Mbps
Mobile Upload (Q1 2026)19 Mbps
Mobile Latency (Q1 2026)29 ms
Households with 100Mbps+92.9%
This county
national avg 75.0%
Cellular-Only Internet15.1%
This county
national avg 8.0%
Fixed Upload Speed (Q1 2026)44 Mbps

EV Infrastructure

EV Charging Stations17 stations
DC Fast Chargers24 chargers
Level 2 EV Chargers18

Commute & Transit

Remote Workers3,207 workers
Public Transit Commuters164 workers
Walk to Work746 workers
Extreme Commutes (90+ min)1,002 workers
Avg Commute Time21.6 min
This county
national avg ~27 min
Bike Commuters0.9%
Walk to Work1.6%

Families & Childcare

Childcare Cost Burden31.1%
This county
national median ~27% of household income
Childcare Centers10.3 per 10K residents
Childcare Facilities16

Civic & Community

Voter Turnout73.4%
This county
national avg ~55%
Volunteering Rate1.0%
Income Inequality (Gini)4.305
Nonprofit Organizations383
Veterans Share8.3%
This county
national avg 7.0%
Married Adults48.5%
Never-Married Adults30.6%
Divorced Adults13.5%
Religious Organizations62
Asian Population0.5%
Native American Population0.2%
Membership Associations9.4 per 10K residents

Lifestyle & Services

Full-Service Restaurants0.61 per 1K residents
Colleges & Universities1
Nursing & Care Facilities67
Grocery Stores36
Arts & Entertainment Venues8
Hotels & Lodging23
Recreation Businesses23
Professional Services Firms125
Veterinary Practices19
Real Estate Firms45
Debt Burden
Avg Mortgage Balance$62K
Avg Student Loan Balance$11K
Avg Credit Card Balance$4K
Loan Delinquency Rate42.0%
This county
national avg 4.0%

Innovation

Inventor Rate0.34%

Politics

R+10

2024 Presidential · Michigan was R+2 statewide

vs Michigan State

Income tax
4.25%Same (state law)
Property tax
1.67%1.32% state avg
Politics
R+10R+2
COL Index
County data88 (state)

Population & Migration

Net Domestic Migration 2023

+396

More people arriving than leaving

IRS Wealth Migration

Lower-income migration pattern (IRS: 0.83x avg income)

Economic Mobility

41%

chance a low-income child reaches the middle class

Source: Opportunity Insights

Real Estate

Find Homes in Bay County

Median home value: $187K

View on Zillow →View on Realtor.com →

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Local News — Bay

FloVolleyball · 2 hours ago

2026 Northern Michigan vs Cal State East Bay - Women's

Read the latest news and stories from the 2026 Northern Michigan vs Cal State East Bay - Women's vol

WorldAtlas · 1 day ago

2026's 12 Most Scenic The Great Lakes Towns

Skip the crowded shorelines. These quiet Great Lakes towns hide sea stacks, glacial grooves, and cle

MLive.com · 2 weeks ago

Michigan Dems blame federal policies for SK Siltron plant closure

MONITOR TWP., MI – Two Michigan Democratic lawmakers are attributing the closure of SK Siltron CSS i

Michigan State University · Apr 30, 2026

Spartan Bus Tour explores Flint, Saginaw and Bay City connections

Michigan State University Spartans have spent years collaborating alongside communities in Flint, Sa

Upper Michigan's Source · 4 weeks ago

Michael J. Leino – Dollar Bay, MI – June 25, 1949 ~ July 26, 2026

Michael J. Leino – Dollar Bay, MI – June 25, 1949 ~ July 26, 2026.

Milwaukee Journal Sentinel · 2 weeks ago

Milwaukee man found dead in Lake Michigan near Bay View Park identified

Milwaukee man found dead in Lake Michigan identified ... A man who was found dead in Lake Michigan n

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Data: Census ACS, BLS, Zillow, USDA Natural Amenities, OpenElections 2024, CMS, NCES. Vintage 2022–2025. News via Google News.

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Quick Profiles

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Annual Income

$150K

Affects effective income tax rate

$0$500K$5M+

Retirement Savings

$0

Affects pension and SS tax burden

None$500K$10M+

Social Security

None

Annual Social Security benefit

None$150K/yr

My Property Is Worth

$400K

Affects property tax burden

Tax burden ↓$1M$50M+

Home Buying Budget

$400K

Compared to state median home price

Hard to find$250K$5M+

Monthly Rent Budget

Don't care

Compared to state median 2BR rent

Don't care$10K/mo

Job Market

Don't care

State unemployment and job growth

Don't careHot market

Airport Access

Don't care

Direct flight destinations from state hubs

Don't careMust have hub

City vs Country

Mid-size city

% urban population

Deep countryBig city

Sunshine

Don't care

Annual sunny days per state

Don't careMax sunshine

Food Scene

Don't care

Restaurants per 100K residents

Don't careWorld-class

Political Preference

Neutral

State's political lean

LiberalConservative

Gun Laws

Neutral

State gun law grade (Giffords)

Gun Control2A Freedom

Abortion Access

Neutral

State abortion access policy

Pro-ChoiceNeutralPro-Life

Community

None

Congregations per 100K residents

AvoidDon't careSeek

Sports & Entertainment

Don't care

Pro sports teams and major venues

Don't careMust have pro teams

Cannabis Laws

Neutral

State cannabis legality

Prefer LegalNeutralPrefer Prohibition

Retiree Community

Neutral

% population 65+ (Census)

Young areaRetirement-heavy

Dating Market

Neutral

% adults never-married (Census)

Singles sceneFamily community

Safety / Low Crime

Don't care

Violent crime rate per 100K (FBI)

Don't careVery safe

School Quality

Don't care

K-12 rank (Education Week)

Don't careTop-ranked

Healthcare Access

Don't care

Healthcare system rank (Commonwealth Fund)

Don't careTop-ranked

Childcare Affordability

Don't care

Cost of living proxy for childcare affordability

Don't careMust be affordable