Bay County, Michigan

Income Data

-6% vs. Michigan average
$60,523
Median Household Income
$34,858
Per Capita Income

At a Glance

Median Household Income
$60,523
-6% vs. state avg
Per Capita Income
$34,858
-12% vs. national
Income-to-Housing Ratio
44.8%
income as % of home value
Rank in Michigan
#49 / 83
by median household income

How Bay County Compares

Bay County$60,523
Michigan Average$64,304
National Median$74,755

Detailed Income Statistics

$60,523
Median Household Income
$34,858
Per Capita Income
$135,100
Median Home Value
44.8%
Income-to-Housing Ratio

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

What is the median household income in Bay County, Michigan?
The median household income in Bay County, Michigan is $60,523, according to U.S. Census Bureau American Community Survey 2019-2023 5-Year Estimates. This represents the midpoint of all household incomes in the county.
How much do people earn in Bay County?
The per capita income in Bay County is $34,858, which represents the average income per person across the entire county population. The median household income — which accounts for all earners in a household — is $60,523.
How does Bay County compare to the Michigan average?
Bay County's median household income of $60,523 is lower than the Michigan state average of $64,304. The per capita income is $34,858, compared to the state average of $35,451.
What is the per capita income in Bay County, Michigan?
The per capita income in Bay County, Michigan is $34,858, according to U.S. Census Bureau American Community Survey 2019-2023 5-Year Estimates. Per capita income is calculated by dividing total personal income by total population, providing an average income figure per resident.
Is Bay County a low-income area in Michigan?
Bay County's median household income of $60,523 is below the Michigan average of $64,304. The per capita income of $34,858 is also lower than the state average of $35,451. Lower incomes can reflect the local economic base, rural vs. urban location, and employment opportunities available in the area.
How does Bay County rank for income in Michigan?
Bay County ranks #49 out of 83 counties in Michigan by median household income (1 = highest). With a median household income of $60,523 and per capita income of $34,858, it falls in the middle third of counties statewide.

Income Comparison Calculator

See how your household income compares in Bay County

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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%

vs. Bay County MedianAbout equal
vs. Michigan Average6% below
vs. National Median19% below

Income Adequacy

Monthly income covers median rent6.2x

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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Data: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.