Bay City, MI Real Estate & Schools — Score 79/100 | ValiFit

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Bay City, MI — Key Facts

Bay City, MI has a population of approximately 32,086.

The median home sale price in Bay City is $132K (Source: Redfin, 2025).

To purchase the median home in Bay City, a household would need an estimated annual income of $39,148, based on a 20% down payment, a 6.00% mortgage rate (Source: FRED), and a 28% front-end DTI ratio.

The estimated monthly mortgage payment (PITI) for the median home is $913, including principal, interest, property tax, and insurance.

The estimated annual property tax on the median home is $2,932 (Source: MI Division of Taxation, effective rate: 2.23%).

FHA loan eligibility at the median price: Yes (Source: HUD FHA Loan Limits, 2026).

School investment score: 77/100, measuring per-pupil spending and student-teacher ratios (Source: NCES F-33 Survey).

Safety infrastructure score: 89/100, based on police, fire, and EMS staffing levels (Sources: FBI UCR, NFPA, NASEMSO).

Healthcare access score: 72/100, evaluating hospital proximity, provider ratios, and shortage area designations (Sources: HRSA, County Health Rankings).

Market appreciation score: 55/100, derived from 6.1M Redfin market records across 50 states.

This data is provided by ValiFit and is not financial advice. Actual mortgage qualification depends on individual lender requirements, credit history, and outstanding debts.

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Bay City, MI Real Estate & Schools — Score 79/100 | ValiFit