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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Bay City, OR Housing Affordability Index

Bay City, Oregon has an MBR Housing Affordability Index score of 125.3 (Highly Affordable) as of October 30, 2026, ranking 33rd most affordable of 267 scored Oregon cities, compared with 78.0 statewide and 97.4 nationally. On a median-priced $393,600 home with 20% down, the Oregon average 30-year fixed rate of 7.28% means a monthly principal and interest payment of about $2,155, or 31% of the city’s $82,589 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Bay City is updated every night from live Oregon mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Bay City MBR-HAI 125.3 Highly Affordable
Rank in Oregon 33 of 267 1 = most affordable
Oregon 78.0 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.28% Oregon lenders
Median home value $393,600 U.S. Census Bureau

Bay City is 47.3 points above the Oregon score. Scores as of October 30, 2026. See the Oregon index

View Bay City Mortgage Rates

What It Takes to Buy in Bay City

$2,155/mo
Principal & Interest
Median home, 20% down, 7.28%
$92,400
Income Needed
To keep the payment at 28% of income
$82,589
Median Household Income
Oregon: $83,011
4.8x
Price-to-Income Ratio
Oregon: 5.8x
$1,315/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,853/yr
Median Property Tax
0.47% of median value
29.8%
Owner Cost Burden
Owners spending 30%+ of income on housing
6.6%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Bay City, Oregon. The rate is the Oregon average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

Cite the Bay City Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Bay City, Oregon score: 125.3 (Highly Affordable), ranked 33 of 267 Oregon cities. monitorbankrates.com/housing-affordability-index/oregon/bay-city”