House Prices

House Prices & Home Values Bay City, MI 2026


Average Data

average house price$108,365
average size per house1396 ft²
average price per ft²78 $ / ft²

06/09/2026 - The value range (VR) for house prices in Bay City, MI is $73/ sqft to $75/ sqft. An average home with 1396 sqft costs approximately $101,908 to $104,700. Bay City, MI includes 2 ZIP codes and it is located in Bay county. The lowest prices are found in ZIP 48708, while the highest are in ZIP 48706. The average price per sqare feet is $78. Our analysis is based on 28 property listings.

Avergage prices by ZIP codes Bay City

4870677 $ / ft²
4870879 $ / ft²




Historical development of home values in Bay City

Year Estimated value (USD) Change vs. 2025
2010 $50,327 -53.6%
2011 $48,381 -55.4%
2012 $48,250 -55.5%
2013 $50,054 -53.8%
2014 $52,543 -51.5%
2015 $55,239 -49.0%
2016 $58,122 -46.4%
2017 $61,259 -43.5%
2018 $64,646 -40.3%
2019 $67,643 -37.6%
2020 $71,140 -34.4%
2021 $80,914 -25.3%
2022 $94,328 -13.0%
2023 $99,473 -8.2%
2024 $105,228 -2.9%
2025 $108,365 0.0%

Graph: estimated home values in Bay City over time (USD)



Example: 100% financing house in Bay City

Loan amount: $108,365

Interest rate: 6.00%

Fixed monthly payment: $649.70

Breakdown in the 1st month:
Interest portion: $541.83  –  Principal portion: $107.88

Yearly breakdown (100% financing)

Year Interest per year ($) Principal per year ($) Remaining balance at year-end ($)
1 $6,465.70 $1,330.73 $107,034.27
2 $6,383.62 $1,412.81 $105,621.45
3 $6,296.48 $1,499.95 $104,121.50
4 $6,203.97 $1,592.46 $102,529.04
5 $6,105.75 $1,690.68 $100,838.35
6 $6,001.47 $1,794.96 $99,043.39
7 $5,890.76 $1,905.67 $97,137.72
8 $5,773.23 $2,023.21 $95,114.51
9 $5,648.44 $2,148.00 $92,966.52
10 $5,515.96 $2,280.48 $90,686.04
11 $5,375.30 $2,421.13 $88,264.90
12 $5,225.97 $2,570.47 $85,694.44
13 $5,067.43 $2,729.01 $82,965.43
14 $4,899.11 $2,897.32 $80,068.11
15 $4,720.41 $3,076.03 $76,992.08
16 $4,530.69 $3,265.75 $73,726.33
17 $4,329.26 $3,467.17 $70,259.16
18 $4,115.42 $3,681.02 $66,578.14
19 $3,888.38 $3,908.06 $62,670.08
20 $3,647.34 $4,149.10 $58,520.99
21 $3,391.43 $4,405.00 $54,115.98
22 $3,119.74 $4,676.70 $49,439.29
23 $2,831.29 $4,965.14 $44,474.14
24 $2,525.05 $5,271.38 $39,202.76
25 $2,199.92 $5,596.51 $33,606.25
26 $1,854.74 $5,941.69 $27,664.56
27 $1,488.27 $6,308.16 $21,356.40
28 $1,099.20 $6,697.24 $14,659.16
29 $686.13 $7,110.31 $7,548.85
30 $247.58 $7,548.85 $0.00

Note: The calculation is based on a standard annuity mortgage with a fixed monthly payment over the entire term. Extra payments, interest rate changes, and additional purchase costs (e.g. taxes, notary fees) are not included.


How to sell in Bay City, MI


1500 sqft3900 sqft
Ø selling price$141,571$301,158
Ø fast selling$128,701$271,043
Ø high price sale$154,440$331,274

In 2026, houses in Bay City, MI will be offered at an average price of $78 per square foot. A 1,500 sqft home priced at $141,571 is 23.44% more expensive per square foot than a 3,900 sqft home priced at $301,158. Home prices in Bay City, MI vary significantly depending on the neighborhood and location. For a quick sale, a 2,700 sqft home should be listed at around $208,495. Sellers who can wait longer may achieve a higher price of up to $254,827.


Bay City, Michigan Travel & Living Guide

Waterfront Charm and Downtown Culture

Located along the Saginaw River where it meets Saginaw Bay on Lake Huron, Bay City, Michigan blends maritime heritage with small-town friendliness. The walkable downtown features restored 19th-century architecture, indie shops, antique markets, and craft breweries that make weekend strolling irresistible. Wenonah Park anchors the waterfront with a bandshell, riverwalk, and skyline views framed by historic bridges. Nearby, the Delta College Planetarium and local museums illuminate Great Lakes science and regional history for families and curious travelers.

Things to Do and Events

Top things to do in Bay City, MI include:
sailing past tall ships, paddling the river, and birding in Tobico Marsh at Bay City State Park. Signature events like the Tall Ship Celebration, River Roar, and summer concert series fill the calendar with music, pageantry, and fireworks. Food lovers find waterfront restaurants, fresh Great Lakes fish, year-round farmers markets, and convenient riverfront hotels and cozy B&Bs for easy overnights.

Visitor Tips and Practical Info

Outdoor enthusiasts can launch from marinas, cycle the Riverwalk RailTrail, or day-trip to nearby lighthouses and the wider Great Lakes Bay Region. With affordable real estate, quality schools, and easy access to Midland and Saginaw, Bay City appeals to both relocating families and remote workers. Plan your visit with seasonal weather in mind, pack layers for lake breezes, and book early for festivals to experience the best of Bay City, MI.



FAQ – Home Values in Bay City

What is the median home value in Bay City in 2026?

In 2026, the typical home value in Bay City is about $108,365 for an average home size of 1396 square feet. This corresponds to an average price of roughly $78 per square foot.

What is the average cost per square foot in Bay City?

In 2026, homes in Bay City sell for an average of around $78 per square foot, with a typical range between $73 and $75 per square foot, depending on the property’s location, condition, and lot size.

What is the average home size in ?

The average home size in Bay City is about 1396 square feet, with an estimated 2026 value around $108,365.



Locations close to Bay City, MI

University Center, MI97 $ / ft²
Bay Port, MI82 $ / ft²
Black River, MI126 $ / ft²
Barton City, MI91 $ / ft²
Au Gres, MI191 $ / ft²
Akron, MI106 $ / ft²
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