Cost of Living in Bay City, TX
Overall index: 69 (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 | 43 | -57% | $698 |
| Transportation | 116 | +16% | $3.50 |
| Food | 69 | -31% | $283 |
| Utilities | 72 | -28% | $77 |
| Healthcare | 72 | -28% | $56 |
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, TX needs approximately $24,150 / year after taxes.
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Frequently Asked Questions
What is the cost of living in Bay City, TX?
The overall cost of living in Bay City, TX is 31% lower than the US national average (index: 69 where 100 = national average).
How much is rent in Bay City, TX?
Average rent for a 1-bedroom apartment in Bay City, TX is about $698/month.
Is Bay City, TX expensive to live in?
No, Bay City, TX is affordable (below national average).
What salary do I need to live in Bay City, TX?
A single adult needs roughly $24,150/year to cover basic living costs in Bay City, TX.