Bay City, TX—77414
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Bay City, TX
As of Oct '25, the median home price in Bay City, TX is $194,000, with a year-over-year change of 3.9%. This indicates that home prices in Bay City, TX are increasing. According to Zillow, the 1-year price projection is -1.7%, suggesting a decrease housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $194,000 | 3.9% |
| Single Family | $195,000 | 3.7% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $185,000 | 0.0% |
3 Bed | $224,000 | 3.7% |
4 Bed | $275,000 | 1.5% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Bay City, TX
As of July '25, Rentcast reports the average rent in Bay City, TX is $1,210, with a year-over-year rent change of -4.7%. Per bedroom, the median rent as of July '25 in Bay City, TX is studios: $532, 1-bedrooms: $573, 2-bedrooms: $1,090, 3-bedrooms: $1,520, 4-bedrooms: $2,280. The most common rental property sizes in Bay City, TX are 2-bedroom and 3-bedroom, accounting for 39.2% and 27.3% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $900 | $1,210 |
| Studio Rent | $510 | $532 |
| 1 Bed Rent | $564 | $573 |
| 2 Bed Rent | $890 | $1,090 |
| 3 Bed Rent | $1,450 | $1,520 |
| 4 Bed Rent | $2,350 | $2,280 |
% of Rental Stock
Property Listings — Bay City, TX
As of Oct '25, Realtor.com reports that the median days on market for a home in Bay City, TX is 93. This is a decrease of -8.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 23.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $302,000 | 1.0% |
Listing Count | 233 | 37.0% |
| Listings as % of Homes | 1.2% | 37.0% |
Days on Market | 93 | -8.0% |
Demographics — Bay City, TX
As of the latest ACS Survey released in 2023, Bay City, TX has a population of 23,900, which has remained stable by -0.5% over the past 5 years. Bay City, TX is a popular place for families, as children make up 26.4% of the population. The area has a poorly educated workforce, with 23.7% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 4.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 23,900 | -0.5% |
% Under 18 | 26.4% | -0.8% |
% Seniors | 17.2% | 9.6% |
% WFH | 4.6% | 187.5% |
% w/ College Degree | 23.7% | 32.4% |
As of the latest ACS Survey released in 2023, Bay City, TX is a predominantly hispanic area, with 43.5% of the population identifying as hispanic. The hispanic population has grown by 2.1% in the last 5 years. The second most common race or ethnicity in Bay City, TX is white, making up 38.6% of the population. Foreign-born residents account for 12.0% of the population in Bay City, TX, and this percentage has increased by 13.2% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 38.6% | -7.4% |
% Black | 13.6% | 4.6% |
% Hispanic | 43.5% | 2.1% |
% Asian | 1.7% | 142.9% |
% Foreign Born | 12.0% | 13.2% |
Mortgage and Risk — Bay City, TX
According to HUD data as of 2023, there were 277 mortgage originations in Bay City, TX, of which 74.0% of loans were conventional mortgages. The average loan-to-value was 81.0%, with 42.0% above 90% LTV (very high). This implies large mortgage risk in Bay City, TX. Investor activity is low, as 7.0% of loans were by investors. 6.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 277 |
% Conventional Loans | 74.0% |
% Government Loans | 26.0% |
% Investor Loans | 7.0% |
% Second Loans | 10.0% |
% Cash Out Refinance | 6.0% |
Loan Activity
Rentals and Section 8 — Bay City, TX
Bay City, TX lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 568 |
Total Units Section 8 | 483 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | 78.6% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $326 | $564 | $890 |
| 2 Bedroom | $240 | $890 | $1,130 |
| 3 Bedroom | -$40 | $1,450 | $1,410 |
| 4 Bedroom | -$490 | $2,350 | $1,860 |
Affordability — Bay City, TX
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.2 |
| Median Home Price | $194,000 |
| Median Household Income | $57,500 |