HomeOregonTillamook CountyBay City
Bay City, Oregon: commercial real estate data.
Bay City is a Census city of 1,875 people across 1.28 square miles of land, in Tillamook County. Median household income is $82,589, 80.1 percent of occupied homes are owned, and the SBA record carries 4 7(a) approvals to borrowers here worth $2.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Bay City
What Bay City is
- Census place typecity
- Land area1.28 sq mi
- Water area0.68 sq mi
- Population per square mile of land1,467
- County holding the largest share of its areaTillamook 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
- Population1,875
- Median age46.1 plus or minus 9.4
- Population under 18399 plus or minus 112
- Share under 1821.3 percent plus or minus 4.5
- Population 65 and over442 plus or minus 119
- Share 65 and over23.6 percent
- Households765
- Family households559 plus or minus 129
- Share of households that are families73.1 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$82,589 plus or minus $20,362
- Per capita income$36,421
- Civilian labor force764 plus or minus 169
- Employed739 plus or minus 164
- Unemployed25 plus or minus 21
- Unemployment rate3.3 percent plus or minus 2.7
- Adults 25 and over1,362
- Adults 25 and over with a high school diploma or higher90.8 percent plus or minus 22.4
- Adults 25 and over with a bachelor degree or higher26.5 percent plus or minus 7.7
- Adults 25 and over with a graduate degree6.4 percent plus or minus 2.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bay City
Housing in Bay City
- Housing units864
- Occupied units765
- Vacant units99 plus or minus 57
- Vacancy rate11.5 percent plus or minus 6.3
- Owner occupied613
- Renter occupied152 plus or minus 92
- Ownership rate80.1 percent plus or minus 21.2
- Median owner-occupied home value$393,600
- Median gross rent, monthly$1,221 plus or minus $588
- Annual rent as a share of median income17.7 percent plus or minus 9.6
- Single family units699
- Share single family80.9 percent
- Units in buildings of two or more26 plus or minus 27
- Share in buildings of two or more3.0 percent plus or minus 3.1
- Mobile homes139 plus or minus 56
- Median year structure built1978
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 commute626
- Commuting under 15 minutes311 plus or minus 100
- Share commuting under 15 minutes49.7 percent plus or minus 12.6
- Commuting 30 minutes or more98 plus or minus 58
- Share commuting 30 minutes or more15.7 percent plus or minus 8.7
- Drove alone76.4 percent plus or minus 23.5
- Carpooled7.2 percent plus or minus 4.5
- Public transport0.0 percent
- Walked0.8 percent plus or minus 1.1
- Worked from home15.2 percent plus or minus 8.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bay City
SBA loans in Bay City (7(a))
- Approvals4
- Gross approval$2,128,000
- Average approval$532,000
- Median approval$306,000
- Largest approval$1,491,000
- Jobs supported28
- Jobs per approval7.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more25.0 percent
- Share to franchises0.0 percent
- Distinct lenders3
- Distinct industries by NAICS3
Counted by borrower city: approvals to borrowers whose address is in Bay City, in any county, FY2020 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Bay City
Flood risk in Bay City
- NFIP communityCity of Bay City
- NFIP community number410197
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/28/18
The City of Bay City participates in the National Flood Insurance Program as community 410197 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Tillamook County, not Bay City
Tillamook County context, not Bay City figures
- Establishments in Tillamook County769
- Covered employment, Tillamook County9,886
- Average annual pay, Tillamook County$52,379
- Housing units permitted, Tillamook County86
Every figure in this section is published for Tillamook County as a whole and is not a measurement of Bay City.
All Tillamook County figures →
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.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Bay City questions, answered from the record.
How many people live in Bay City, Oregon?
1,875, in 765 households. Bay City city covers 1.28 square miles of land, which is 1,467 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?
Tillamook 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?
$82,589. The median owner-occupied home is valued at $393,600. Median gross rent is $1,221 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?
4 7(a) approvals totaling $2.1 m since FY2020, across 3 lenders, median approval $306,000. 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?
No rate is published for Bay City. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Bay City in the National Flood Insurance Program?
Yes. Bay City appears in the FEMA Community Status Book as Bay City, city of, community 410197, 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 labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Tillamook 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?
No. Nothing on this page presents parcel level zoning.