How America Moves

Bay County, MI

Migration of people and income, 20222023 filing years

At a glance (2023)

Cost of living
91
9% below the U.S. average
Median home value
$135,100
national $303,400
Home prices, 5 years
+51.7%
over the 5 years to 2023
Monthly rent
$809
national $1,348
Homeownership
76%
national 65%
Unemployment
5.0%
national 3.6%
Household income
$60,523
national $78,538
Median age
43.8 yrs
national 38.7

Cost of living is the metro-area price level for Bay City, MI.

The cost of living runs about 9% below the national average. The median home is valued at $135,100 (nominal). Home prices have risen about 52% over the five years to 2023. Median rent is about $809 a month. Unemployment averaged 5.0% in 2023 (national 3.6%). Median household income is $60,523. These figures describe all residents, not just tax filers, come from separate sources than the migration data on this page, and do not indicate why anyone moved.

Between the 2022 and 2023 filing years, Bay County, MI saw a net gain of 64 tax-filing households and a net gain of 196 individuals. Against a population of about 102,500, that is a net inflow of about 1.9 per 1,000 residents. On net, the area gained $237K in associated adjusted gross income (AGI, nominal dollars). The largest inflow, about 502 households, came from Saginaw County; the largest outflow, about 480 households, went to Saginaw County. In the prior (2022) filing year, the area saw a net gain of 136 individuals. These figures cover federal income tax filers only and do not indicate why people moved.

Net income (AGI)
+$237K
nominal dollars
Net households
+64
tax returns
Net people
+196
exemptions

+1.9 net people per 1,000 residents (population 102,500)

Income (AGI) in and out

Moved in$120.2M
Moved out$119.9M
Net +$237K (nominal)
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Bay County within Michigan

Bay County is outlined, with arrows tracing its largest moves to and from other Michigan counties. Hover any county for its figures; click to open it.

Net outNet in(AGI $)
Hover an area to trace its top 5 inbound (in) and outbound (out) moves.
Net income (AGI) that moved in minus out, in nominal dollars (not adjusted for inflation).Net tax returns (filing households) that moved in minus out.Net people per 1,000 residents, so larger and smaller areas compare fairly.
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Where movers came from

  1. 1Saginaw County, MI502$26.8M
  2. 2Midland County, MI336$17.9M
  3. 3Arenac County, MI95$4M
  4. 4Tuscola County, MI94$3.7M
  5. 5Genesee County, MI84$3.6M
  6. 6Oakland County, MI64$4.3M
  7. 7Huron County, MI57$3.1M
  8. 8Gladwin County, MI46$2.2M
  9. 9Wayne County, MI35$2.3M
  10. 10Kent County, MI33$1.9M
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Where movers went

  1. 1Saginaw County, MI480$21.5M
  2. 2Midland County, MI311$18.1M
  3. 3Oakland County, MI102$5.1M
  4. 4Genesee County, MI97$4.7M
  5. 5Arenac County, MI87$4M
  6. 6Tuscola County, MI79$3.7M
  7. 7Kent County, MI60$2.8M
  8. 8Gladwin County, MI52$3.5M
  9. 9Isabella County, MI36$1.4M
  10. 10Ogemaw County, MI32$959K
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Churn by county · both directions at once

The biggest two-way exchanges of filing households, 20222023. Moved in and moved out are gross one-way counts; net is the difference. Click a column to sort.

Saginaw County, MI502480+22+$5.3M
Midland County, MI336311+25-$161K
Arenac County, MI9587+8-$10K
Genesee County, MI8497-13-$1.1M
Tuscola County, MI9479+15-$42K
Oakland County, MI64102-38-$736K
Gladwin County, MI4652-6-$1.3M
Kent County, MI3360-27-$859K
Huron County, MI5727+30+$2M
Isabella County, MI3036-6-$57K
Ogemaw County, MI3032-2+$280K
Wayne County, MI3525+10+$1M

Counts are filing households (IRS returns), matching the lists above; income is nominal AGI. A dash means the IRS published only one direction of that exchange (small flows are suppressed), so no net is computed.

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Net migration by year

Net 2012–2023: -$129.7M (-2,160 people)
20122023
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Net AGI and net people by year (nominal dollars)
YearNet AGINet people
2012-$12.1M-110
2013-$7.3M-324
2014-$9.2M-525
2015-$16.7M-218
2016-$18.5M-528
2017-$19.7M-163
2018-$7.7M-141
2019-$15.9M-239
2020-$10.4M-362
2021-$8.4M+118
2022-$4M+136
2023+$237K+196
Migration in context

How big is this move, relative to the county?

In the 20222023 filing year, about 196 more people moved into Bay County, MI than left (counting tax filers and their dependents) — a net gain of about $237K in income (nominal) — in a county of 102,693 people.

Population
102,693
Census 2023 estimate
Net migration rate
+1.9
net people per 1,000 residents
A town of 10,000 would net about +19 people.
Net income per resident
+$2
nominal dollars
+$237K total across 102,693 residents.

The rate lets you compare Bay County, MI with a countyof any size: it’s the net flow divided by population. The IRS counts tax filers; population counts all residents, so read the rate as a scale indicator, not a literal share of people.

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Components of population change · 2023 (Census)

Where the county’s overall change came from. Census counts all residents; the IRS migration above is one slice of the domestic-migration component.

Births
+920
Deaths
-1,365
Net domestic migration
+386
Net international migration
+34
Total change
-43

Source: U.S. Census Bureau, Population Estimates Program. Figures are people, not tax filers.

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Income & cost of living

What a dollar is worth here

Prices around Bay County, MI run about 9% below the national average. In plain terms: $100 spent here buys about what $110 buys in the average American community. The figures below apply that to income, each compared to the U.S. average of $70,002 per person.

Income per person
$53,207
what people here earn (BEA 2023, nominal)
24% below the U.S. average
Price level
90.6
100 = U.S. average prices (BEA price parity)
everyday costs about 9.4% lower than average
What that income buys
$58,714
local income restated at U.S.-average prices
16% below the U.S. average
Cheaper than U.S. avgU.S. average (100)Pricier

Cost of living shown for the Bay City, MI metro area (BEA publishes price parities by metro, not by county).

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Where the cost comes from · price parity by category

Index where 100 = U.S. average for that category. Housing is usually what separates one place from another.

Housing & rents65.6
Goods94.1
Utilities95.3
Other services97.7

Housing is measured from rents (including an estimated rental value for owner-occupied homes), so a run-up in purchase prices shows here only as it reaches rents. Source: U.S. Bureau of Economic Analysis. Covers all residents, a separate universe from the IRS filer income above. How the data works.

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Who lives here

The people of Bay County, MI

American Community Survey, 2019–2023 (a 5-year average of all residents, not just tax filers).

Median age
43.8
years
Median household income
$60,523
per household (ACS 2019–2023, nominal)
23% below the U.S. median
College degree
21%
adults 25+ with a bachelor's or higher
Poverty rate
14.0%
residents below the poverty line
Average commute
23 min
mean travel time to work
Broadband at home
88%
households with any broadband
Race and ethnicity (share of residents)
White 89%Hispanic 6%Black 1%Asian 0%Other 4%

White, Black, and Asian counts are people who are not Hispanic or Latino; Hispanic or Latino can be of any race. Shares are rounded and may not total 100.

Source: U.S. Census Bureau, American Community Survey 5-year estimates. Covers all residents, a separate universe from the IRS filer data. A 5-year estimate is an average over 2019–2023; compare years at least five apart, since consecutive windows overlap. How the data works.

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Housing · what it costs to live here (ACS 2019–2023)

Median home value
$135,100
owner-occupied homes
55% below the U.S. median
Median rent
$809
gross rent per month
40% below the U.S. median
Homeownership
76%
of occupied homes are owner-occupied
Home-price appreciation · FHFA index, 2023
Past year
+8.3%
price change, 2022 to 2023
Past 5 years
+52%
price change, 2018 to 2023

A repeat-sales index (how much the same homes changed in price), so it tracks the market over time rather than the current level. Source: Federal Housing Finance Agency, annual all-transactions HPI; the county series is FHFA’s developmental index.

New home construction · building permits, 2023
38new housing units authorized in 2023
Single-family 100%Multifamily 0%

Units authorized by residential building permits (new supply), summed from counties for the state and U.S. Permits are authorizations, not completions. Source: U.S. Census Bureau, Building Permits Survey.

Home value is what owners estimate their homes are worth, not recent sale prices. Source: U.S. Census Bureau, American Community Survey 5-year estimates (2019–2023), nominal dollars. How the data works.

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Local economy & risk

Jobs and natural hazards

Unemployment rate
5.0%
BLS 2023 annual average
Labor force
49,977
47,503 employed
Disaster declarations
major federal, 2023

Sources: U.S. Bureau of Labor Statistics (LAUS) and FEMA. A disaster declaration marks federal assistance eligibility, not damage severity, and says nothing about why anyone moved. How the data works.

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Unemployment now
5.5%
April 2026 · ▼ 0.7 points vs April 2025
January 2024April 2026

Source: U.S. Bureau of Labor Statistics (LAUS). Monthly unemployment for this county, not seasonally adjusted. Updated every month, so it moves faster than the annual average above. How the data works.

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How Bay County, MI has voted. Certified returns, popular vote only. This is a separate dataset from the migration figures on this page.

YearDemocraticRepublicanOtherMarginTotal
202425,76734,792779R +14.761,338
202026,15133,125979R +11.660,255
201621,64228,3283,007R +12.652,977
201227,87724,911593D +5.653,381
200832,58923,7951,044D +15.357,428
200431,04925,448562D +9.857,059
200028,25122,1501,235D +11.851,636

Source: MIT Election Data and Science Lab county returns (CC0). Margins are the popular-vote gap as a share of all votes cast.

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