HomeTexasMatagorda CountyBay City city
Bay City city, Texas: commercial real estate data.
Bay City 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.
80 sourced place values · tier FULL · 9 sections
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 7(a) lending to Bay City borrowers
- Approvals11
- Gross approval$12,179,500
- Average approval$1,107,227
- Median approval$970,000
- Ninetieth percentile approval$2,480,000
- 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
A charge-off rate is not published here. only 2 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
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
- 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
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 communities1
- Of those, participating1
- NFIP community number485455
- Currently effective map date01/15/21
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.
Matagorda County, not Bay City
Matagorda County context, not Bay City figures
These are Matagorda 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 Matagorda County707
- Employment at those establishments, Matagorda County7,870
- Covered employment, Matagorda County11,209
- Average annual pay, Matagorda County$68,994
- Average weekly wage, Matagorda County$1,327
- Housing units permitted, Matagorda County153
- Of those, single family, Matagorda County153
- County product, 2024, Matagorda County$2,904,798,000
- County product change over the prior year, Matagorda County-3.9 percent
- Average income of an arriving household, Matagorda County$80,107
Every figure in this section is published for Matagorda 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, 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 totalling $12.2 m, across 9 lenders, median approval $970,000, plus 5 504 approvals worth $5.2 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?
No rate is published for Bay City. only 2 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. 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 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 labelled 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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