Real Estate Investing in Bay City, Texas

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

1 ZIP codes • Population: 23,879 • Matagorda County

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Should you buy in Bay City, TX? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (53/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
2 flags
  • High vacancy: 22.7% of homes vacant — above national norms.
  • Elevated poverty: 22.0% poverty rate — can affect rent collection.

What’s happening in Bay City, TX?

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3.0/ 5

Investability

Citywide average

2.0/ 5

Appreciation

3.5% 5yr CAGR

5.0/ 5

Landlord Climate

Regulatory friendliness

🏦 30-yr Fixed Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS
Avg Investability
Avg Home Value $203,033
Avg Monthly Rent $806
ZIP Codes 1

Investing in Bay City Real Estate

Bay City, TX covers 1 ZIP codes and a population but the investment metrics here are sluggish — this is not a market to enter casually.

Investors considering Bay City, TX should understand what the ★★★☆☆ rating represents — a market with material structural headwinds, not a temporary rough patch.

Rent trends and price trends in Bay City are both soft, which is the uncomfortable combination that defines distressed-leaning markets in Texas.

Demographics in Bay City show real pressure — median income of $N/AK is muted relative to rents, and the 0% renter share includes significant cost-burdened households.

A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Best ZIP codes in Bay City, TX

Bay City is part of this metro. Every ZIP in it, ranked. Free.

Cash Flow →

Landlord Ground Truth

Real numbers from people who own or manage rentals in Bay City, TX. Anonymous, moderated, never written by AI.

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Avg Home Value
$203,033
Avg Monthly Rent
$806
1% Rule
✗ Below
Landlord Friendly (TX)

📉 Market Crash Risk Index

Based on Bay City, TX metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
0%
Days Pending
0/2
0 days

View all metro crash risk rankings →

☀️ Warm Market — Bay City, TX metro
0
Days to pending
4.7%
Listings with price cuts
0.0%
Sale-to-list ratio
📅 Data as of August 29, 2026 — updated weekly

ZIP Codes in Bay City, TX

Screen every ZIP in Bay City

Filter Bay City’s ZIPs by cap rate, vacancy, appreciation and 30+ more criteria, and export your shortlist to CSV — with the Investor plan ($19/mo).

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Frequently Asked Questions About Bay City, TX

Is Bay City, TX a smart market for rental property?

With a 3.0/5 investability score, Bay City, TX ranks as a solid market for rental property investors. Median prices of $203K and rents of $806/mo drive the underlying numbers.

What are vacancy rates like in Bay City, TX?

Bay City, TX sees elevated vacancy, which is reasonable relative to the broader TX rental market.

Does a duplex house hack pencil in Bay City, TX?

The a challenging house-hack environment in Bay City, TX reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.

What are home prices like in Bay City, TX?

Median home price in Bay City, TX is near $203K, with a 5-year CAGR of 0.0%. Prices have been predictable and supportive of buy-and-hold strategies.

Are rents high in Bay City, TX?

Rents in Bay City, TX run near $806/mo. Compared with median home prices of $203K that produces solid gross yields for typical rentals.

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