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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, TX Housing Affordability Index

Bay City, Texas has an MBR Housing Affordability Index score of 114.5 (More Affordable Than Average) as of October 30, 2026, ranking 760th most affordable of 1,229 scored Texas cities, compared with 99.2 statewide and 97.4 nationally. On a median-priced $160,800 home with 20% down, the Texas average 30-year fixed rate of 7.29% means a monthly principal and interest payment of about $881, or 20% of the city’s $53,840 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Bay City is updated every night from live Texas 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 114.5 More Affordable Than Average
Rank in Texas 760 of 1,229 1 = most affordable
Texas 99.2 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.29% Texas lenders
Median home value $160,800 U.S. Census Bureau

Bay City is 15.4 points above the Texas score. Scores as of October 30, 2026. See the Texas index

View Bay City Mortgage Rates

What It Takes to Buy in Bay City

$881/mo
Principal & Interest
Median home, 20% down, 7.29%
$37,800
Income Needed
To keep the payment at 28% of income
$53,840
Median Household Income
Texas: $78,476
3.0x
Price-to-Income Ratio
Texas: 3.6x
$808/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,824/yr
Median Property Tax
2.38% of median value
26.7%
Owner Cost Burden
Owners spending 30%+ of income on housing
45.4%
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, Texas. The rate is the Texas 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, Texas score: 114.5 (More Affordable Than Average), ranked 760 of 1,229 Texas cities. monitorbankrates.com/housing-affordability-index/texas/bay-city”