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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, WI Housing Affordability Index

Bay City, Wisconsin has an MBR Housing Affordability Index score of 159.0 (Highly Affordable) as of October 30, 2026, ranking 115th most affordable of 695 scored Wisconsin cities, compared with 104.4 statewide and 97.4 nationally. On a median-priced $116,400 home with 20% down, the Wisconsin average 30-year fixed rate of 7.30% means a monthly principal and interest payment of about $638, or 13% of the city’s $57,857 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Bay City is updated every night from live Wisconsin 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 159.0 Highly Affordable
Rank in Wisconsin 115 of 695 1 = most affordable
Wisconsin 104.4 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.30% Wisconsin lenders
Median home value $116,400 U.S. Census Bureau

Bay City is 54.6 points above the Wisconsin score. Scores as of October 30, 2026. See the Wisconsin index

View Bay City Mortgage Rates

What It Takes to Buy in Bay City

$638/mo
Principal & Interest
Median home, 20% down, 7.30%
$27,400
Income Needed
To keep the payment at 28% of income
$57,857
Median Household Income
Wisconsin: $77,485
2.0x
Price-to-Income Ratio
Wisconsin: 3.4x
$685/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,500/yr
Median Property Tax
2.15% of median value
23.2%
Owner Cost Burden
Owners spending 30%+ of income on housing
15.4%
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, Wisconsin. The rate is the Wisconsin 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, Wisconsin score: 159.0 (Highly Affordable), ranked 115 of 695 Wisconsin cities. monitorbankrates.com/housing-affordability-index/wisconsin/bay-city”