Bay City, MI

Bay City, MI is covered by 2 USPS ZIP codes serving a combined population of 67,858 according to Census ACS 5-Year Estimates. U.S. cities rarely map cleanly to a single ZIP — Bay City splits its residents across 2 delivery areas, each with its own demographic and housing profile. The table below lists every ZIP by population, so you can see which neighborhoods carry the weight of the city total and which are smaller pockets of the same municipal boundary.

Aggregated across every ZIP in Bay City, the median household income averages $56,633 and per-capita income averages $33,798. Poverty rate runs at 15.3% and unemployment at 5.3%. On housing, the average median home value is $131,750 with median rent of $837 per month, and 74.2% of occupied units are owner-occupied. These are arithmetic averages across the 2 ZIPs — not population-weighted — so small ZIPs influence the headline numbers the same as large ones.

Use this city view to compare ZIPs inside Bay City against each other rather than hunting for a single "city average." The Affordability Dashboard linked below combines these Census inputs with HUD Fair Market Rents, FBI crime data, and Department of Labor childcare costs into a graded scorecard for Bay City as a whole, while individual ZIP pages show fine-grained household income, housing profile, education attainment, commute time, and nearby-ZIP benchmarks. Every field on this page is sourced directly from U.S. Census Bureau ACS 2023 5-Year Estimates — no estimates, no proprietary scoring, no editorial adjustment.