Bay City, MI Metro Area - Investment Guide
Metro Area • 7 Cities • 8 ZIP Codes
Avg Home Value
$202,878
Avg Monthly Rent
$1,034
Avg Cap Rate
4.07%
Avg Investability
3.0 ★
Cities
7
ZIP Codes
8
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Market Trends
Metro Home Value History
Metro Rent History
🏦 30-yr Fixed Rate:
6.76%
as of Sep 10
Source: Freddie Mac PMMS
⚖️
BALANCED MARKET
Bay City, MI Metro Area
Even conditions for buyers and sellers
35 days
Average time to sell
Average
11.4%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅
Market conditions data as of August 29, 2026 — updated weekly
Best ZIP codes in Bay City, MI
Every ZIP in the metro, ranked four ways. Free.
Cities in Bay City, MI
Top ZIP Codes by Investability
| ZIP Code | City | State | Home Value | Rent | Cap Rate | Rating |
|---|---|---|---|---|---|---|
| 48708 | Bay City | MI | $140,329 | $1,179 | 6.55% | |
| 48613 | Bentley | MI | $188,824 | $1,170 | 4.83% | |
| 48706 | Bangor Township | MI | $193,712 | $1,069 | 4.30% | |
| 48634 | Linwood | MI | $195,170 | $927 | 3.70% | |
| 48708 | Bay City | MI | $139,711 | $1,044 | 5.83% | |
| 48732 | Hampton | MI | $213,091 | $1,039 | 3.80% | |
| 48650 | Pinconning | MI | $177,321 | $909 | 4.00% | |
| 48652 | Rhodes | MI | $207,773 | $1,197 | 4.49% | |
| 48611 | Auburn | MI | $241,389 | $918 | 2.97% | |
| 48706 | Bangor Township | MI | $183,053 | $1,301 | 5.54% | |
| 48613 | Bentley | MI | $204,145 | $1,170 | 4.47% | |
| 48708 | Bay City | MI | $130,965 | $910 | 5.42% | |
| 48732 | Hampton | MI | $200,061 | $891 | 3.47% | |
| 48634 | Linwood | MI | $213,116 | $927 | 3.39% | |
| 48650 | Pinconning | MI | $190,766 | $909 | 3.72% | |
| 48611 | Auburn | MI | $220,590 | $918 | 3.25% | |
| 48652 | Rhodes | MI | $221,216 | $1,197 | 4.22% | |
| 48613 | Bentley | MI | $187,524 | $1,170 | 4.87% | |
| 48706 | Bangor Township | MI | $194,889 | $1,069 | 4.28% | |
| 48634 | Linwood | MI | $193,338 | $927 | 3.74% | |
| 48732 | Hampton | MI | $213,189 | $1,054 | 3.86% | |
| 48650 | Pinconning | MI | $174,464 | $909 | 4.06% | |
| 48652 | Rhodes | MI | $202,187 | $1,197 | 4.62% | |
| 48611 | Auburn | MI | $236,711 | $918 | 3.02% | |
| 48706 | Bangor Township | MI | $180,619 | $963 | 4.16% | |
| 48613 | Bentley | MI | $204,305 | $1,170 | 4.47% | |
| 48708 | Bay City | MI | $129,481 | $928 | 5.59% | |
| 48732 | Hampton | MI | $194,061 | $891 | 3.58% | |
| 48634 | Linwood | MI | $209,801 | $927 | 3.45% | |
| 48650 | Pinconning | MI | $188,447 | $909 | 3.76% | |
| 48652 | Rhodes | MI | $218,522 | $1,197 | 4.27% | |
| 48611 | Auburn | MI | $220,590 | $918 | 3.25% | |
| 48613 | Bentley | MI | $187,524 | $1,170 | 4.87% | |
| 48706 | Bangor Township | MI | $191,988 | $1,069 | 4.34% | |
| 48634 | Linwood | MI | $193,338 | $927 | 3.74% | |
| 48708 | Bay City | MI | $139,804 | $1,038 | 5.79% | |
| 48732 | Hampton | MI | $210,635 | $1,054 | 3.90% | |
| 48650 | Pinconning | MI | $174,464 | $909 | 4.06% | |
| 48652 | Rhodes | MI | $202,187 | $1,197 | 4.62% | |
| 48611 | Auburn | MI | $231,039 | $918 | 3.10% | |
| 48706 | Bangor Township | MI | $180,619 | $963 | 4.16% | |
| 48613 | Bentley | MI | $195,387 | $1,170 | 4.67% | |
| 48708 | Bay City | MI | $129,481 | $928 | 5.59% | |
| 48732 | Hampton | MI | $194,061 | $891 | 3.58% | |
| 48634 | Linwood | MI | $203,029 | $927 | 3.56% | |
| 48650 | Pinconning | MI | $183,831 | $909 | 3.86% | |
| 48652 | Rhodes | MI | $215,080 | $1,197 | 4.34% | |
| 48611 | Auburn | MI | $241,153 | $918 | 2.97% | |
| 48706 | Bangor Township | MI | $187,609 | $1,069 | 4.44% | |
| 48613 | Bentley | MI | $204,653 | $1,170 | 4.46% |
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About Bay City, MI Real Estate Market
The Bay City, MI metropolitan statistical area (MSA) encompasses 7 cities and 8 ZIP codes. The average home value across the metro is $202,878, with an average monthly rent of $1,034. Explore individual cities and ZIP codes to find investment opportunities that match your criteria.