PlainZIP

Bay City, MI

Single-footprint Census roll-up for Bay City, MI: 2 USPS ZIPs, population 67,858. Open the primary ZIP for household income, housing tenure, and commute from ACS 2023 5-Year Estimates.

U.S. Census Bureau, SimpleMaps US ZIP Code Database, delivery-area ZIP coverage

ACS city ledger plate

Sheet BAY-CITY-MI · Bay City, MI 2 ZIPs · 67,858 pop · #19344/25278 · Bay County

INC-MID · RANK-LOWER · PHOTO-FINISH · BOOK-FEW · OWN-MID · POP-SMALL · SPREAD-TIGHT · HOME-LOW

  • INC-MID $56,633
  • RANK-LOWER #19344/25278
  • PHOTO-FINISH ≈ Essexville
  • BOOK-FEW 2 ZIPs
  • OWN-MID 74% owners
  • POP-SMALL 67,858
  • SPREAD-TIGHT 48708→48706
  • HOME-LOW $131,750

Nearest income peer: Essexville, MI (+ $1,270 income $)

Instrument codes from this city’s ACS household income, national rank, county-peer gap, ZIP book, owner tenure, population scale, intra-city income spread, and home-value band, not a moving recommendation.

Income neighbourhood around Bay City

Lowest/highest poles plus county-sharing cities nearest Bay City on average ZIP median household income. Full ladder: /cities.

median HH income

What this shows County-sharing peers only, not the full US city board. Open a near peer when the gap is small; open the poles when the mosaic is wide.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2026-08-25

National city placement

According to ACS 5-Year Estimates, Bay City, MI sits among US cities with one of the lowest household incomes among US cities, on a small-city population base, across a handful of delivery areas.

23rd pct
household income vs 25,278 US cities
67,858
city population (Census)
2
USPS ZIP codes covered
$56,633
avg ZIP median income

Income percentile ranks this city's average ZIP median household income against 25,278 US cities with ACS income on at least one ZIP. Scale and ZIP-spread words come from Census population and USPS ZIP coverage.

Lower-income footing on only 2 ZIPs ($56,633 average) · poverty 15.3%. The primary code (48706) carries the ACS household fields that matter.

Owner-occupancy sits in a mixed band (74.2%) - check the ZIP page's tenure split before treating Bay City as a pure owner town.

Within Michigan, Burton is the closest lower-income city and Luther the closest higher-income city by average ZIP household income. Their 3 and 1 ZIP footprints are the immediate statewide comparison set for Bay City.

Within-city ZIP comparison

Where the ZIP codes inside Bay City differ

The published income range is comparatively compact across the ZIPs in Bay City: $50,518 in ZIP 48708 to $62,747 in 48706. The city average is therefore a more representative summary here, though each ZIP page still carries its own housing and demographic record.

Income high-to-low ratio
1.2×

48708 to 48706

Home-value high-to-low ratio
1.4×

48708 to 48706

Poverty-rate spread
6 points

48706 to 48708

Derived from the published ACS 2023 ZIP-level records shown on this site. A high-to-low ratio compares the highest and lowest available ZIP values; it is not a score or forecast.

Population concentration

Lead ZIP 48706 skews compact Bay City

In this 2-ZIP cluster, 48706 covers about 60% of Bay City's 67,858 residents. City averages lean toward that lead; open a thinner sibling ZIP for the contrast the mean hides.

Census ZBP business roll-up

Balanced ZBP roll-up inside compact Bay City

Citywide ZBP: 1,452 establishments, 22,665 employees , annual payroll $1,067,982k (~21 establishments per 1,000 residents) across 2 of 2 ZIPs. Peak business ZIP 48706 (904 units) ; leading NAICS Retail trade (255) · also Health care and social assistance · Other services (except public administration) .

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ZIP Codes in Bay City, MI

These ZIP codes sit in Bay County, which covers 10 ZIP codes in all; 2 of them fall in Bay City. See the Bay County roll-up →

Every one of the 7 cities sharing Bay County reports a higher average ZIP median income than Bay City, Pinconning, Auburn and Kawkawlin among them. That gap is the county's income spread, not a measure of the housing or commute picture below. Auburn marks the far end of that range at $87,963, 55% above Bay City.

Side-by-side: Compare 48706 vs 48708 →

ZIP Code Population Median income Establishments Density
48706 40,596 $62,747 904 234
48708 27,262 $50,518 548 378
How we build city roll-ups · Guide: reading ZIP code data · BLS wages

Bay City roll-ups here are for informational purposes only and do not constitute financial or relocation advice. ACS and Census ZBP figures are estimates; confirm the current table against Census before a money or move decision involving Bay City, .