| Metric | Latest | Detail |
|---|---|---|
| Median listing price | $212,400 | +16.9% YoY |
| Median price per sq ft | $132 | 1,549 sq ft median |
| Median days on market | 46 | +44% YoY |
| Active listings | 210 | +42% YoY |
| New listings this month | 106 | June 2026 |
| Listings with a price cut | 22% | Share of active |
| Median sale price (closed) | $171,800 | -1.8% YoY |
| Sale-to-list ratio | 100.0% | Closed sales |
| Gross rental yield | 5.8% | 2BR fair market rent |
Metropolitan market · Michigan · June 2026 data
Bay City Real Estate Market
As of June 2026, the median home listed in Bay City, MI asks $212,400 — up 16.9% year over year. Homes sell in a median of 46 days, with 210 active listings and 22% carrying a price cut — a balanced market. Figures come from public records and industry data, updated monthly.
Median listing price
$212,400
▲ 16.9% YoY
Median $ / sq ft
$132
1,549 sq ft median
Median days on market
46
June 2026
Active listings
210
For sale now
New listings
106
June 2026
Listings with price cuts
22%
Share of active
Median sale price (closed)
$171,800
▼ 1.8% YoY · closed sales
Sale-to-list ratio
100.0%
Closed sales
Homes sold / month
82
Closed sales
Bay City housing market statistics
The table summarizes Bay City's key housing figures for June 2026 — median listing and closed-sale prices, market pace, inventory and rental yield — each computed from public records and industry data.
How have home prices changed in Bay City?
Bay City home prices are up 16.9% year over year and -1.2% month over month as of June 2026, at a $212,400 median listing price. The chart tracks the trailing eight-quarter trend in the metro's median asking price.
Median listing price, Bay City MI · trailing 8 quarters · source: public records and industry data.
The 10-year view
10-year median listing price, Bay City MI · June of each year, 2017–2026 · source: public records and industry data.
How much inventory is on the market in Bay City?
Bay City has 210 active listings, 106 new this month, 167 pending as of June 2026. About 22% of active listings have cut their price, and inventory sits at 66% of its 2019 level — a balanced market by pace.
Is Bay City a good real estate investment?
Bay City scores 61/100 on WealthyBud's composite Investor Score, ranking #235 of 932 covered U.S. metros as of June 2026. The score blends price momentum, value, rental yield, supply and market heat into one percentile. It is a research opinion, not advice.
Investor Score
61/100
#235 of 932 covered metros
Price volatility
Medium
σ 6.4% · 20-yr price-index swings
Bay City scores 61/100 on our composite Investor Score (#235 of 932 covered metros), a percentile blend of momentum, value, rental yield, supply and market-heat readings; the metro's long-run house price index has it up 55% over five years and +99% over ten, leaving prices 102% above its own 2000–2019 trend; at the published FY2026 fair market rent of $1,030/mo for a two-bedroom, the gross rental yield on the median listing is about 5.8%; active inventory sits at 66% of its June 2019 level, so supply is still below pre-pandemic norms; listing prices are up 16.9% year over year; all against a national 30-year fixed mortgage rate of 6.43% (national weekly average, 2026-07-02).
Scores are percentile ranks (0–100) across all covered U.S. metros, computed from the public data cited on this page — formulas here. They are data-derived opinions, not investment advice. See how Bay City ranks on the trending markets index.
How much is a monthly mortgage payment in Bay City?
A home at Bay City's $212,400 median listing runs about $1,066 a month in principal and interest — 20% down on a 30-year fixed loan at the current 6.43% national average rate. Taxes, insurance and HOA are extra.
If rates fall 1% · 5.43%
$957/mo
−$109/mo vs today
At today's rate · 6.43%
$1,066/mo
National weekly average
If rates rise 1% · 7.43%
$1,180/mo
+$114/mo vs today
Principal & interest on the $212,400 median listing with 20% down and a 30-year fixed loan — excludes taxes, insurance and HOA. Current rate: 6.43% (national weekly average, 2026-07-02). Model a full deal in the deal analyzer.
What is driving the Bay City housing market?
Longer-run demand in Bay City shows up in 59 homes permitted in 2025; net migration of +196 residents; -0.8% job growth. Natural-hazard risk rates Relatively Low. These federal supply-pipeline, migration and jobs signals shape where prices head next.
Building permits (2025)
59
▲ 51.3% vs 2024
0.6 per 1,000 residents
Net migration (2022–2023)
+196
▲ people, via tax-return records
net income flow +$237,000/yr
Job growth (YoY)
-0.8%
▼ 35.4k nonfarm jobs · May 2026
Natural-hazard risk
Relatively Low
National hazard index · top hazard: Riverine flooding
Based on public government records — building-permit, tax-return migration, employment and natural-hazard statistics, aggregated to the metro. Details on /methodology.
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ReadBay City housing market FAQ
What is the median home price in Bay City?
As of June 2026, the median listing price in Bay City, MI is $212,400, up 16.9% year over year (source: public records and industry data). Figures cover the Bay City, MI metro area.
How much does it cost to buy a home in Bay City?
The median home listed in Bay City asks $212,400 as of June 2026. With 20% down on a 30-year fixed loan at the current 6.43% national average rate, that runs about $1,066 a month in principal and interest, before taxes, insurance and HOA.
How fast are homes selling in Bay City?
The median property in Bay City spends 46 days on the market, with 210 homes actively listed and 22% of them carrying a price cut — a balanced market by pace as of June 2026.
Is it a buyer's or seller's market in Bay City?
With a median 46 days on market and 22% of active listings carrying a price cut, Bay City reads as a balanced market as of June 2026. Faster sales and fewer price cuts favor sellers; slower sales and more cuts favor buyers. Conditions shift monthly.
Is Bay City a good place to invest in real estate?
Bay City scores 61/100 on WealthyBud's Investor Score, ranking #235 of 932 covered U.S. metros as of June 2026. The score blends price momentum, value, rental yield, supply and market heat. It is a data-derived research opinion, not investment advice.
Who are the top real estate agents in Bay City?
See WealthyBud directories for the top-producing agents, teams and brokerages serving Bay City and the wider Michigan market, ranked by recent sales from public profile data.
Based on public records and industry data, June 2026 — see our methodology for how every figure is computed. Figures cover the Bay City, MI metro area. Figures change monthly — verify current conditions with a local agent or MLS. Portions of market data courtesy of Realtor.com and Redfin; additional statistics from U.S. government sources.
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