Cost of Living in Bay City, MI
Overall index: 57 (100 = US national average). Data source: US Census ACS 2023 & BLS OEWS 2025, 2025.
Overall Cost of Living Index
Cost Breakdown by Category
| Category | Index | vs US avg | Sample cost |
|---|---|---|---|
| Housing | 26 | -74% | $517 |
| Transportation | 106 | +6% | $3.50 |
| Food | 64 | -36% | $262 |
| Utilities | 63 | -37% | $47 |
| Healthcare | 63 | -37% | $34 |
Index 100 = US national average. Higher = more expensive.
Cost breakdown (visual)
Salary Calculator: What do you need to earn in Bay City?
A single adult living comfortably in Bay City, MI needs approximately $19,950 / year after taxes.
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Frequently Asked Questions
What is the cost of living in Bay City, MI?
The overall cost of living in Bay City, MI is 43% lower than the US national average (index: 57 where 100 = national average).
How much is rent in Bay City, MI?
Average rent for a 1-bedroom apartment in Bay City, MI is about $517/month.
Is Bay City, MI expensive to live in?
No, Bay City, MI is affordable (below national average).
What salary do I need to live in Bay City, MI?
A single adult needs roughly $19,950/year to cover basic living costs in Bay City, MI.