Bay County

Bay County has 103,008 residents across 9 ZIP codes with their own report. Median household income is $61,763, 15% below the Michigan figure. The typical owner-occupied home is valued at $152,200, and 22% of adults 25 and over hold a bachelor’s degree or higher.

County · ACS 2020–2024 · Updated October 24, 2026

103,008residentsACS 2020–2024

$61,763median household incomeMichigan: $73K

$152,200median home valueowner-occupied homes

88%of households have broadbandhome internet subscription

Bay County in MichiganZIP codes in Bay County highlighted; the rest of Michigan in grey

Map of Michigan with Bay County highlighted

Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates · U.S. Census Bureau, 2024 Gazetteer and 2020 ZCTA relationship files

All 9 ZIP codes.

Colour shows where each zip code sits among the others in the table, from lowest to highest.

ZIP code	Residents	Household income	Home value	Owners	Bachelor's+	Broadband	Commute
48611	6,093	$88K	$177K	83%	35%	86%	27 min
48613	1,081	$59K	$161K	94%	13%	86%	39 min
48631	3,681	$74K	$172K	78%	17%	92%	22 min
48634	4,334	$88K	$167K	97%	24%	84%	29 min
48650	6,510	$62K	$152K	86%	18%	90%	29 min
48706	38,974	$63K	$156K	78%	25%	90%	22 min
48708	25,635	$51K	$108K	70%	18%	84%	25 min
48732	11,340	$58K	$170K	68%	22%	91%	24 min
48747	1,549	$81K	$141K	94%	23%	84%	31 min

Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates

People.

103,008 residents in 45,103 households, next to the Michigan figure.

20%

under 18

20%

aged 18–34

22%

aged 65 and over

34%

of households are people living alone

44%

of households are married couples

Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates

Homes.

48,659 housing units; the median owner-occupied home is valued at $152,200 (±$3,642).

77%

of households own their home

76%

of homes are detached single-family houses

10%

are in buildings with 5 or more units

are mobile homes

of housing units are vacant

$860

median gross rent a month

When homes were built

2020 or later0%

2010–20193%

2000–20097%

1990–19998%

1980–19897%

1970–197916%

1960–196912%

1950–195916%

1940–19498%

1939 or earlier23%

Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates

Income and work.

Household income and work, in 2024 dollars; median household income ±$2,526.

$61,763

median household income

13.2%

of people live below the poverty line

4.3%

unemployment rate

22%

of adults 25+ hold a bachelor’s degree or higher

The poverty rate uses the federal poverty thresholds, which vary with family size. It says nothing on its own about what a neighborhood is like to live in.

Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates

Getting around.

How workers aged 16 and over get to work, and how long it takes.

24 min

average commute to work

10%

of commuters travel 45 minutes or more

89%

of workers drive or carpool

take public transportation

walk or bike

work from home

of households have no car

Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates

Internet.

Home internet subscriptions.

88%

of households have a broadband subscription

have no internet access at home

American Community Survey figures are estimates from a rolling sample, averaged over 2020–2024. Each comes with a margin of error, which is wider in places with fewer people.

Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates