Area data
Bay city, MI — ZIP 48708
Population: 25,635 (Census ACS)
The median home value in ZIP 48708 (Bay city, MI) is $139,711 — up 6.6% over the past year. Homes sell for a median $120,000 after a median 66 days on market. Typical rent runs $1,044/month. 6 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Low, with coldwave, strongwind, winterweather the top-rated hazards. Cost of living is 8.0% below the US average (BEA, metro/state-level).
$139,711
Median home value
+6.6%
1-year change
66
Median days on market
Relatively Low
Hazard risk (county)
Home values & appreciation
- Median home value
- $139,711
- 1-year appreciation
- +6.6%
- 3-year appreciation
- +20.9%
- 5-year appreciation
- +37.6%
- 10-year appreciation
- +94.9%
- All-time peak (2026-03)
- $140,012
- House Price Index (state)
- 387.5 (+5.5% YoY)
Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)
Market activity
- Median sale price
- $120,000
- Median list price
- $149,900
- Median price per sqft
- $58
- 1-year sale-price change
- +108.7%
- Median days on market
- 66 days
- Homes sold (recent period)
- 7
- For-sale inventory
- 113
- Sale-to-list ratio
- 97.2%
- Active listings
- 6
- 1-year forecast
- +3.0%
- Days to pending
- 31 days
- New listings (monthly)
- 46
Source: recent area sales and market data (ZIP-level)
Rents
- Typical rent
- $1,044/mo
- Studio fair-market rent
- $823/mo
- 1BR fair-market rent
- $1,029/mo
- 2BR fair-market rent
- $1,261/mo
- 3BR fair-market rent
- $1,639/mo
- 4BR fair-market rent
- $1,891/mo
Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)
Affordability
- Cost of living index (Below Average)
- 92.0 (100 = US avg)
- Electricity rate (state-level)
- 20.0¢/kWh
- Natural gas rate (state-level)
- $10.90/MCF
- 30-year mortgage rate (national)
- 6.66%
- 15-year mortgage rate (national)
- 6.00%
Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)
Schools
- Total schools
- 6
- Elementary schools
- 3
- Middle schools
- 0
- High schools
- 2
- Charter schools
- 1
- School districts serving the area
- Bay City Academy, Bay City School District
- Schools include
- Bay City Academy Farragut Campus, Bay City Eastern High School, Bay City Central High School, Hampton Elementary School, Washington Elementary School
Source: NCES school directory, 2022-23 (school-address-based)
Natural hazards & flood risk
- Overall hazard risk (county)
- Relatively Low
- Top hazards (county)
- coldWave, strongWind, winterWeather, hail, iceStorm
- Notable hazard ratings (county)
- coastalFlooding: Relatively Low · coldWave: Relatively High · hail: Relatively Moderate · heatWave: Relatively Low · iceStorm: Relatively Moderate · inlandFlooding: Relatively Moderate
- FEMA flood zone
- B
- Flood risk level
- Moderate
- Wildfire risk to homes (county)
- Higher than 11% of US counties
- Buildings in wildfire direct-exposure zone
- 25.9%
- Radon potential (county)
- Low radon potential — EPA Zone 3 of 3
- EPA Superfund (NPL) sites within 5 mi
- 1
- Nearest Superfund site
- Bay City Middlegrounds (3.1 mi — proposed for listing)
Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL
Climate (30-year normals)
- Average annual temperature
- 79.0°F
- Average high
- 80.0°F
- Average low
- 78.0°F
- Annual precipitation
- 48.3 in
- USDA plant hardiness zone
- 6a (extreme annual low -10 to -5°F)
Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)
Air quality
- Air quality rating
- Good
- Median AQI (annual)
- 42
- Days with Good air quality
- 229
- Days with Moderate air quality
- 128
- Days with Unhealthy air quality
- 3
- Highest AQI recorded (year)
- 192
Source: EPA air quality data (nearest monitoring station, annual)
Walkability & transit
- Walkability index
- 10.8 / 20
- Transit service frequency
- -99,999
- Jobs reachable by car (30 min)
- 22,235
- Jobs reachable by transit (45 min)
- 21,523
Source: EPA Smart Location Database (metropolitan block groups)
Amenities
- Airports within 30 mi
- 19
- Nearest airport
- James Clements Municipal Airport (2 mi)
- Nearest major airport
- MBS International Airport (MBS) (12 mi)
- Hospitals nearby (~15 mi)
- 1
- Hospitals include
- MCLAREN BAY REGION
- Avg hospital rating (CMS)
- 2.0 / 5
- Best hospital rating nearby (CMS)
- 2.0 / 5
- Solar radiation rating
- Fair (3.8 kWh/m²/day)
Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)
Migration
- Net migration (county)
- +70 tax filers
Source: IRS county-to-county migration data (county-level, ~12-month lag)
Housing stock
- Median year housing built
- 1,945
- Housing built before 1970
- 77.5%
- Housing built 2000 or later
- 5.1%
- Median annual property tax
- $1,866
- Mean commute to work
- 22 min
- Households with broadband internet
- 69.9%
Source: Census ACS 5-year estimates (ZIP-level)
Employment & development
- Total county employment
- 28,951
- Average weekly wage
- $1,022
- Top industries (by employment)
- Health Care, Accommodation & Food, Professional Services
- Annual residential building permits (county)
- 31
Sources: BLS QCEW (county-level) · Census Building Permits (county-level)
How it compares
| ZIP 48708 | State median | US median | |
|---|---|---|---|
| Median home value | $139,711 | $246,351 | $289,727 |
| Median sale price | $120,000 | $265,000 | $325,000 |
| Median days on market | 66 days | 36 days | 51 days |
| Typical rent | $1,044/mo | $1,494/mo | $1,808/mo |
| Median annual property tax | $1,866 | $2,175 | $2,006 |
State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.
Area data compiled from public government, academic, and industry research feeds. Data sources →
Common questions
- What is the median home value in ZIP 48708?
- $139,711.
- What is the median sale price in ZIP 48708?
- $120,000.
- How long do homes take to sell in ZIP 48708?
- Median days on market: 66 days.
- What is typical rent in ZIP 48708?
- Typical rent: $1,044/month.
- What is the natural-hazard risk in ZIP 48708?
- Overall risk: Relatively Low (FEMA NRI, county-level). Top hazards: coldWave, strongWind, winterWeather, hail, iceStorm.
- Is ZIP 48708 in a flood zone?
- Moderate (FEMA NFIP). FEMA flood zone B.
- What is the wildfire risk in ZIP 48708?
- Risk to homes is higher than 11% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
- What is the radon potential in ZIP 48708?
- Low radon potential — EPA Zone 3 of 3, county-level. EPA recommends testing every home regardless of zone.
- Are there Superfund sites near ZIP 48708?
- 1 current or proposed National Priorities List site within 5 miles (EPA). Nearest site: Bay City Middlegrounds, 3.1 mi.
- How many schools serve ZIP 48708?
- 6 schools (3 elementary, 2 high) (NCES, 2022-23).
- Is ZIP 48708 walkable?
- Walkability index: 10.8/20 (EPA Smart Location Database).
- What is the air quality in ZIP 48708?
- Good. Median AQI: 42. (EPA AQI).
- What is the cost of living in ZIP 48708?
- Regional Price Parity: 92.0 (100 = US average) (Below Average) (BEA RPP, metro/state-level).
Nearby ZIP codes
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Data last updated
Most recent source refresh: Sep 2026. See all data sources →