Bay City, TX

The affordability dashboard for Bay City, TX aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 23,047 residents, then layers in county-level federal data to produce an overall grade of C (56/100). The headline inputs are median household income of $59,128, median home value of $172,000, median rent of $1,010 per month, and 23.1% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $1,173 per month (studio $912, 1BR $960, 3BR $1,498, 4BR $1,911). Department of Labor data lists infant center-based childcare at $9,620 per year, consuming 16% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Pressure points are education. Unemployment currently reads 11.0% and poverty 22.0% — numbers worth keeping alongside the headline grade.