HomeTexasMatagorda CountyBay City
Bay City, Texas: commercial real estate data.
Bay City is a Census city of 17,730 people across 9.27 square miles of land, in Matagorda County. Median household income is $53,840, 45.8 percent of occupied homes are owned, and the SBA record carries 11 7(a) approvals to borrowers here worth $12.2 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 area9.27 sq mi
- Water area0.03 sq mi
- Population per square mile of land1,913
- County holding the largest share of its areaMatagorda 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
- Population17,730
- Median age31.6
- Population under 185,186
- Share under 1829.2 percent
- Population 65 and over1,963
- Share 65 and over11.1 percent
- Households7,342
- Family households4,492
- Share of households that are families61.2 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$53,840
- Per capita income$28,635
- Civilian labor force8,786
- Employed7,621
- Unemployed1,165 plus or minus 302
- Unemployment rate13.3 percent plus or minus 3.4
- Adults 25 and over10,672
- Adults 25 and over with a high school diploma or higher80.5 percent
- Adults 25 and over with a bachelor degree or higher20.2 percent
- Adults 25 and over with a graduate degree7.2 percent plus or minus 2.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bay City
Housing in Bay City
- Housing units8,200
- Occupied units7,342
- Vacant units858 plus or minus 224
- Vacancy rate10.5 percent plus or minus 2.7
- Owner occupied3,362
- Renter occupied3,980
- Ownership rate45.8 percent
- Median owner-occupied home value$160,800
- Median gross rent, monthly$1,025
- Annual rent as a share of median income22.8 percent
- Single family units4,722
- Share single family57.6 percent
- Units in buildings of two or more2,808
- Share in buildings of two or more34.2 percent
- Mobile homes649 plus or minus 190
- Median year structure built1979
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 commute7,135
- Commuting under 15 minutes3,099
- Share commuting under 15 minutes43.4 percent
- Commuting 30 minutes or more1,834 plus or minus 483
- Share commuting 30 minutes or more25.7 percent plus or minus 6.5
- Drove alone73.9 percent
- Carpooled19.6 percent plus or minus 4.5
- Public transport0.0 percent
- Walked1.3 percent plus or minus 1.3
- Worked from home4.8 percent plus or minus 2.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Bay City
SBA loans in Bay City (7(a))
- Approvals11
- Gross approval$12,179,500
- Average approval$1,107,227
- Median approval$970,000
- Largest approval$2,703,000
- Jobs supported118
- Jobs per approval10.7
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term132 months
- Share on real estate terms of 20 years or more27.3 percent
- Share to franchises45.5 percent
- Distinct lenders9
- Distinct industries by NAICS7
Counted by borrower city: approvals to borrowers whose address is in Bay City, in any county, FY2020 to FY2026. Only 2 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
SBA loans in Bay City (504)
- Approvals5
- Gross approval$5,235,000
- Average approval$1,047,000
- Median approval$801,000
- Largest approval$1,738,000
- Jobs supported57
- Loans with a final outcome0
- Charged off0
- Median term240 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Bay City, in any county, FY2010 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, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Bay City
Flood risk in Bay City
- NFIP communityCity of Bay City
- NFIP community number485455
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date01/15/21
The City of Bay City participates in the National Flood Insurance Program as community 485455 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.
Matagorda County, not Bay City
Matagorda County context, not Bay City figures
- Establishments in Matagorda County707
- Covered employment, Matagorda County11,209
- Average annual pay, Matagorda County$68,994
- Housing units permitted, Matagorda County153
Every figure in this section is published for Matagorda County as a whole and is not a measurement of Bay City.
All Matagorda 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, Texas?
17,730, in 7,342 households. Bay City city covers 9.27 square miles of land, which is 1,913 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?
Matagorda 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?
$53,840. The median owner-occupied home is valued at $160,800. Median gross rent is $1,025 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?
11 7(a) approvals totaling $12.2 m since FY2020, across 9 lenders, median approval $970,000, plus 5 504 approvals worth $5.2 m since FY2010. 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 2 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 485455, 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 Matagorda 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.
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