HomeMichiganBay CountyBay City city
Bay City city, Michigan: commercial real estate data.
Bay City city is a Census city of 32,320 people across 10.17 square miles of land, in Bay County. Median household income is $49,420, 70.1 percent of occupied homes are owned, and the SBA record carries 84 7(a) approvals to borrowers here worth $32.3 m.
81 sourced place values · tier FULL · 9 sections
Bay City
What Bay City is
- Census place typecity
- Land area10.17 sq mi
- Water area1.04 sq mi
- Population per square mile of land3,179
- County holding the largest share of its areaBay County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bay City
How many people live in Bay City
- Population32,320
- Median age40.7
- Population under 186,526
- Share under 1820.2 percent
- Population 65 and over5,720
- Share 65 and over17.7 percent
- Households14,677
- Family households7,558
- Share of households that are families51.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bay City
Income and work in Bay City
- Median household income$49,420
- Per capita income$29,853
- Civilian labor force15,738
- Employed14,687
- Unemployed1,051 plus or minus 271
- Unemployment rate6.7 percent plus or minus 1.7
- Adults 25 and over23,043
- Adults 25 and over with a high school diploma or higher88.9 percent
- Adults 25 and over with a bachelor degree or higher18.8 percent
- Adults 25 and over with a graduate degree6.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bay City
Housing in Bay City
- Housing units16,078
- Occupied units14,677
- Vacant units1,401
- Vacancy rate8.7 percent
- Owner occupied10,285
- Renter occupied4,392
- Ownership rate70.1 percent
- Median owner-occupied home value$97,600
- Median gross rent, monthly$766
- Annual rent as a share of median income18.6 percent
- Single family units12,431
- Share single family77.3 percent
- Units in buildings of two or more3,472
- Share in buildings of two or more21.6 percent
- Mobile homes155 plus or minus 117
- Median year structure built1941
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bay City
How Bay City gets to work
- Workers 16 and over who commute13,074
- Commuting under 15 minutes5,580
- Share commuting under 15 minutes42.7 percent
- Commuting 30 minutes or more3,056
- Share commuting 30 minutes or more23.4 percent
- Drove alone79.0 percent
- Carpooled7.7 percent plus or minus 1.7
- Public transport0.4 percent plus or minus 0.5
- Walked3.0 percent plus or minus 1.1
- Worked from home8.4 percent plus or minus 1.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bay City
SBA 7(a) lending to Bay City borrowers
- Approvals84
- Gross approval$32,310,000
- Average approval$384,643
- Median approval$143,800
- Ninetieth percentile approval$900,000
- Largest approval$3,313,600
- Jobs supported833
- Jobs per approval9.9
- Loans with a final outcome14
- Paid in full13
- Charged off1
- Charge-off rate over resolved loans7.1 percent
- Median term120 months
- Share on real estate terms of 20 years or more17.9 percent
- Share to franchises11.9 percent
- Distinct lenders21
- Distinct industries by NAICS45
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Bay City
SBA 504 lending to Bay City borrowers
- Approvals18
- Gross approval$6,063,000
- Average approval$336,833
- Median approval$342,000
- Largest approval$972,000
- Jobs supported181
- Loans with a final outcome7
- Charged off0
- Median term240 months
- Distinct CDCs2
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Bay City
Flood programme status in Bay City
- Listed NFIP communities2
- Of those, participating2
- NFIP community number260796
- Currently effective map date09/15/22
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Bay County, not Bay City
Bay County context, not Bay City figures
These are Bay County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Bay City measurements.
- Establishments in Bay County2,044
- Employment at those establishments, Bay County29,377
- Covered employment, Bay County34,112
- Average annual pay, Bay County$54,617
- Average weekly wage, Bay County$1,050
- Housing units permitted, Bay County35
- Of those, single family, Bay County35
- County product, 2024, Bay County$4,724,092,000
- County product change over the prior year, Bay County2.8 percent
- Average income of an arriving household, Bay County$51,085
Every figure in this section is published for Bay County as a whole and is not a measurement of Bay City. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Bay City questions, answered from the record.
How many people live in Bay City, Michigan?
32,320, in 14,677 households. Bay City city covers 10.17 square miles of land, which is 3,179 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Bay City in?
Bay County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Bay City?
$49,420. The median owner-occupied home is valued at $97,600. Median gross rent is $766 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Bay City businesses?
84 7(a) approvals totalling $32.3 m, across 21 lenders, median approval $143,800, plus 18 504 approvals worth $6.1 m. These count approvals to borrowers whose address is in Bay City, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Bay City borrowers get paid back?
Of the 14 loans that have reached a final outcome, 13 were paid in full and 1 charged off, a charge off rate of 7.1 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is Bay City in the National Flood Insurance Program?
Yes. Bay City appears in the FEMA Community Status Book as community 260796, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Bay City figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Bay County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Bay City.
Is zoning published for Bay City?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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