Market Overview
Home Prices in Bay City, TX
The median home value in Bay City, TX is $203,979 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.2% compared to a year ago and up 2.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Bay City are priced50% below average. Bay City is part of the Bay City, TX metro area.
Over the past five years, Bay City home values have risen by approximately14.6%, reflecting steady appreciation in this market.
Price History
Bay City Home Price Trend
City Comparison
Bay City vs. National Median
At $203,979, homes in Bay City cost 50% below the national median of $410,000. This makes Bay City a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Bay City?
20% Down Payment
$40,796
on $203,979
Monthly P&I
$1,064/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,351/mo
incl. taxes & insurance
Income Needed
$54,040
gross annual (30% rule)
10% Down Option
$20,398
+ PMI applies
Loan Amount (20% dn)
$163,183
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Bay City, TX?
The median home value in Bay City is $203,979 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.2% year-over-year.
How much have home prices changed in Bay City?
Over the past year, home values in Bay City have increased by 1.2%. Over five years, prices have risen approximately 14.6%.
How much do I need to earn to buy a home in Bay City?
To comfortably afford the median home price of $203,979 with a 20% down payment ($40,796) at today's rates (6.8%), you'd need a gross annual income of approximately $54,040. This assumes keeping total housing costs at or below 30% of gross income.
How does Bay City compare to the national average home price?
The national median home value is approximately $410,000. At $203,979, homes in Bay City are 50% below the national average.
What metro area is Bay City part of?
Bay City is part of the Bay City, TX metropolitan area. Home prices and market conditions can vary across the broader metro region.