Bay County, Michigan
Income Data
At a Glance
How Bay County Compares
Detailed Income Statistics
Data Story
About Household Income in Bay County, Michigan
Bay County lags behind national income
Bay County's median household income of $60,523 trails the U.S. median of $74,755 by over $14,000. This 19% gap puts Bay County in the bottom half nationally for median household earnings.
Below Michigan's county average
At $60,523, Bay County earns about 6% less than Michigan's county median of $64,304. Among Michigan's 83 counties, Bay ranks in the lower middle tier for household income.
Regional income spread is modest
Bay County's $60,523 sits between nearby Cass County ($68,011) to the south and Cheboygan County ($61,619) to the north. This $7,488 gap to the region's top earner suggests localized economic variation.
Housing costs remain manageable
At 16.0%, Bay County's rent-to-income ratio is healthy and below the 30% affordability threshold, meaning housing costs consume about one-sixth of median household income. This leaves adequate room for other essentials and savings.
Start building wealth now
Bay County households earning $60,523 have meaningful opportunity to invest in retirement accounts and emergency savings, especially with controlled housing costs. Even modest monthly contributions can compound significantly over time.
Frequently Asked Questions
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Income Comparison Calculator
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Your income is above the Bay County median
County median: $60,523 per year
vs. County Median
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vs. State Average
-6%
vs. National Median
-19%
Income Adequacy
Your monthly income ($5,044) vs. median rent ($809/mo). A ratio of 3.3x or higher means rent is under 30% of income.
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Compare RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.