Bay City Mortgage Rates

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in Bay City averaged 6.17% for the week of 2022-06-30, compared to the national average of 5.7% for the same period.

The average rate for the prior week (2022-06-23) was 6.48% and one month ago for the week of 2022-05-26, the average rate was 5.57%.

Bay City's average rate one year ago was 3.21%.

For refis of the same type during the week of 2022-06-30, the average rate was 5.88%.

Loan Type Date Rate
US 30 Year Fixed Rate 2022-06-30 5.7%
Bay City 30 Year Fixed Rate 2022-06-30 6.17%
Bay City 30 Year Fixed Rate Refi 2022-06-30 5.88%
Bay City 15 Year Fixed Rate 2022-06-30 5.63%
Bay City 15 Year Fixed Rate Refi 2022-06-30 5.02%
Bay City 30 Year FHA 2022-06-30 5.77%
Bay City 30 Year FHA Refi 2022-06-30 5.77%
Bay City 30 Year USDA 2022-06-30 5.79%
Bay City 30 Year USDA Refi 2022-06-30 5.5%
Bay City 30 Year VA 2022-06-30 5.69%
Bay City 30 Year VA Refi 2022-06-30 5.32%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Bay City, TX.

Bay City Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lendor, for only loans originated in the Bay City, TX market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
Gateway First Bank 53 3.13% $3,978
TEXAS DOW EMPLOYEES CREDIT UNION 48 3.69% $4,780
QUICKEN LOANS, LLC 25 3.15% $4,660
SOUTHWEST FUNDING, LP 16 3.32% $8,857
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 11 3.32% $4,781
AMCAP MORTGAGE, LTD. 10 3.24% $6,643
Prosperity Bank 7 3.02% $3,701
UNITED WHOLESALE MORTGAGE, LLC 5 3.03% $6,813
GUILD MORTGAGE COMPANY 5 3.25% $6,311
EUSTIS AND AMERICAN MORTGAGE COMPANY 4 3.47% $5,958
JPMorgan Chase Bank 4 3.12% $3,338
LOANDEPOT.COM, LLC 4 3.21% $7,464
GUARANTEED RATE, INC. 3 3.29% $6,034
PRIMELENDING, A PLAINSCAPITAL COMPANY 3 3.25% $5,255
CMG MORTGAGE, INC. 3 3.17% $6,621
Paramount Residential Mortgage Group, Inc. 3 2.91% $5,749
Network Funding, L.P. 3 3.54% $4,202
First Financial Bank 3 3.89% $5,725
SECURITYNATIONAL MORTGAGE COMPANY 3 3.71% $5,527
Citizens Bank 3 3.46% $5,432
CORNERSTONE HOME LENDING, INC. 3 3.08% $4,734
Flagstar Bank, FSB 3 3.04% $4,393
BROKER SOLUTIONS, INC. 3 3.17% $4,287
MEMBER HOME LOAN, L.L.C. 2 3.14% $5,493
MOVEMENT MORTGAGE, LLC 2 3.19% $5,024
NATIONS RELIABLE LENDING, LLC 2 3.31% $9,707
NAVY FEDERAL CREDIT UNION 2 3.88% $4,027
ROYAL UNITED MORTGAGE LLC 2 3.38% $6,779
CALIBER HOME LOANS, INC. 2 2.75% $5,662
HOME POINT FINANCIAL CORPORATION 2 2.99% $4,667
HOMESIDE FINANCIAL, LLC 2 2.94% $4,412
Wells Fargo Bank 2 4.19% $4,615
AMERISAVE MORTGAGE CORPORATION 2 2.88% $6,036
Mortgage Research Center, LLC 1 3.63% $7,184
Mr. Cooper ( Nationstar Mortgage ) 1 3.38% $8,346
MUTUAL OF OMAHA MORTGAGE, INC. 1 3.88% $3,948
PENNYMAC LOAN SERVICES, LLC 1 2.75% $5,956
PENTAGON FEDERAL CREDIT UNION 1 3.13% $5,899
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 3.63% $4,939
Regions Bank 1 3.75% $4,479
SECURITY SERVICE 1 4.00% $3,337
SENTE MORTGAGE, INC. 1 3.49% $5,424
SWBC MORTGAGE CORPORATION 1 4.00% $4,837
Texas Mortgage Lending, LLC 1 2.63% $4,257
THRIVE MORTGAGE, LLC 1 3.00% $6,306
TOTAL MORTGAGE SERVICES, LLC 1 4.50% $10,130
UBS Bank USA 1 2.88% $8,351
U.S. Bank 1 3.63% $3,476
Wallick & Volk, Inc. 1 3.63% $4,152
Ally Bank 1 2.88% $3,574
Wolfe Financial, Inc 1 3.63% $4,147
AMERICAN FINANCING CORPORATION 1 2.75% $6,193
Amerifirst Financial, Inc. 1 3.13% $4,332
AMPLIFY 1 3.00% $3,601
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 2.63% $2,528
ASPIRE FINANCIAL, INC. 1 2.75% $4,216
Austin Capital Bank SSB 1 2.75% $6,853
Bank of America 1 2.88% $3,284
BARTON CREEK LENDING GROUP, LLC 1 3.50% $3,269
Carrington Mortgage Services, LLC 1 8.99% $6,897
CERTAINTY HOME LOANS, LLC 1 3.25% $7,595
CHURCHILL MORTGAGE CORPORATION 1 3.50% $2,700
Colonial Savings, F.A. 1 3.13% $4,799
Comerica Bank 1 2.88% $2,794
CROSSCOUNTRY MORTGAGE, LLC 1 3.50% $5,106
DIRECTIONS EQUITY, LLC 1 3.38% $4,990
Eagle Bank and Trust Company 1 3.13% $3,546
Encompass Lending Group, LP 1 2.88% $7,033
Extraco Banks 1 3.25% $5,001
First Bank 1 3.38% $6,972
FIRST COMMUNITY CREDIT UNION 1 2.88% $6,105
First Guaranty Mortgage Corporation 1 3.38% $2,536
FREEDOM MORTGAGE CORPORATION 1 3.13% $5,392
GIBRALTAR MORTGAGE SERVICES, LLC 1 3.88% $6,003
Goldwater Bank, N.A. 1 3.25% $4,185
GSF Mortgage Corporation 1 3.88% $11,086
Gulf Coast Bank and Trust Company 1 2.50% $9,224
HOMEBRIDGE FINANCIAL SERVICES, INC. 1 3.38% $6,142
INFINITY MORTGAGE HOLDINGS, LLC 1 3.88% $4,143
International Bank of Commerce 1 3.13% $6,322
KELLER MORTGAGE, LLC 1 2.75% $3,119
MEMBERS CHOICE Credit Union 1 2.75% $4,160
MORTGAGE FINANCIAL SERVICES, LLC 1 2.75% $4,037

Bay City, TX's 83 lenders originated 775 loans during 2021. The total origination value was $157,855,000, with an average loan value of $203,684.

The top Bay City lender as defined by loan originations is Gateway First Bank, with 53 loans originated. Their average total fees are $3,978, which is $802 lower than the next largest lender, TEXAS DOW EMPLOYEES CREDIT UNION.

The lowest fee Bay City lenders (with over 10 loans originated) are Gateway First Bank ($3,978), QUICKEN LOANS, LLC ($4,660), TEXAS DOW EMPLOYEES CREDIT UNION ($4,780), FAIRWAY INDEPENDENT MORTGAGE CORPORATION ($4,781) and AMCAP MORTGAGE, LTD. ($6,643).

The lowest rate Bay City lenders (with over 10 loans originated) are Gateway First Bank (3.13%), QUICKEN LOANS, LLC (3.15%), AMCAP MORTGAGE, LTD. (3.24%), FAIRWAY INDEPENDENT MORTGAGE CORPORATION (3.32%) and SOUTHWEST FUNDING, LP (3.32%).

Bay City, TX Lender Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2020 Loan Value 2021 Loan Value % Change 2021 Market Share
Gateway First Bank $33,140,000 $25,830,000 -22.1% 16.4%
TEXAS DOW EMPLOYEES CREDIT UNION $13,225,000 $11,620,000 -12.1% 7.4%
Prosperity Bank $8,195,000 $10,715,000 30.8% 6.8%
QUICKEN LOANS, LLC $8,060,000 $10,665,000 32.3% 6.8%
SOUTHWEST FUNDING, LP $6,550,000 n/a 4.1%
FREEDOM MORTGAGE CORPORATION $7,020,000 $4,965,000 -29.3% 3.1%
AMCAP MORTGAGE, LTD. $2,060,000 $4,580,000 122.3% 2.9%
Independent Bank $325,000 $4,330,000 1,232.3% 2.7%
Arbor Realty Trust, Inc. $3,825,000 n/a 2.4%
Origin Bank $3,605,000 n/a 2.3%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $185,000 $3,555,000 1,821.6% 2.3%
UNITED WHOLESALE MORTGAGE, LLC $1,170,000 $2,230,000 90.6% 1.4%
Mr. Cooper ( Nationstar Mortgage ) $1,910,000 $2,135,000 11.8% 1.4%
Wells Fargo Bank $2,575,000 $1,770,000 -31.3% 1.1%
LOANDEPOT.COM, LLC $1,240,000 $1,680,000 35.5% 1.1%
First Financial Bank $935,000 $1,600,000 71.1% 1.0%
Mortgage Research Center, LLC $270,000 $1,590,000 488.9% 1.0%
21ST MORTGAGE CORPORATION $990,000 $1,310,000 32.3% 0.8%
JPMorgan Chase Bank $1,315,000 $1,260,000 -4.2% 0.8%
GUILD MORTGAGE COMPANY $1,005,000 $1,220,000 21.4% 0.8%
CMG MORTGAGE, INC. $1,190,000 $1,215,000 2.1% 0.8%
CommunityBank of Texas, N.A. $1,205,000 n/a 0.8%
EUSTIS AND AMERICAN MORTGAGE COMPANY $1,840,000 $1,175,000 -36.1% 0.7%
HOME POINT FINANCIAL CORPORATION $285,000 $1,170,000 310.5% 0.7%
NAVY FEDERAL CREDIT UNION $320,000 $1,170,000 265.6% 0.7%
CERTAINTY HOME LOANS, LLC $245,000 $1,155,000 371.4% 0.7%
BROKER SOLUTIONS, INC. $1,100,000 n/a 0.7%
PENNYMAC LOAN SERVICES, LLC $830,000 $1,075,000 29.5% 0.7%
NATIONS RELIABLE LENDING, LLC $345,000 $1,060,000 207.2% 0.7%
LAKEVIEW LOAN SERVICING, LLC $135,000 $1,005,000 644.4% 0.6%
Flagstar Bank, FSB $905,000 $965,000 6.6% 0.6%
AMERICAN FINANCIAL NETWORK, INC. $115,000 $945,000 721.7% 0.6%
AMERISAVE MORTGAGE CORPORATION $810,000 $920,000 13.6% 0.6%
SECURITYNATIONAL MORTGAGE COMPANY $135,000 $920,000 581.5% 0.6%
Network Funding, L.P. $885,000 $850,000 -4.0% 0.5%
Bank of America $365,000 $840,000 130.1% 0.5%
Citizens Bank $1,310,000 $800,000 -38.9% 0.5%
First Mortgage Solutions, LLC $735,000 n/a 0.5%
HOMESIDE FINANCIAL, LLC $725,000 n/a 0.5%
Paramount Residential Mortgage Group, Inc. $350,000 $725,000 107.1% 0.5%
SENTE MORTGAGE, INC. $780,000 $720,000 -7.7% 0.5%
PRIMELENDING, A PLAINSCAPITAL COMPANY $415,000 $710,000 71.1% 0.4%
GUARANTEED RATE, INC. $700,000 n/a 0.4%
RANDOLPH-BROOKS $65,000 $700,000 976.9% 0.4%
CORNERSTONE HOME LENDING, INC. $255,000 $655,000 156.9% 0.4%
HOMEBRIDGE FINANCIAL SERVICES, INC. $675,000 $645,000 -4.4% 0.4%
MEMBER HOME LOAN, L.L.C. $500,000 $640,000 28.0% 0.4%
ROYAL UNITED MORTGAGE LLC $95,000 $610,000 542.1% 0.4%
First Guaranty Mortgage Corporation $145,000 $605,000 317.2% 0.4%
UBS Bank USA $595,000 n/a 0.4%
AmeriHome Mortgage Company, LLC $245,000 $580,000 136.7% 0.4%
CALIBER HOME LOANS, INC. $1,125,000 $555,000 -50.7% 0.4%
MORTGAGE SOLUTIONS OF COLORADO, LLC $735,000 $550,000 -25.2% 0.3%
MOVEMENT MORTGAGE, LLC $770,000 $530,000 -31.2% 0.3%
VANDERBILT MORTGAGE AND FINANCE, INC. $665,000 $530,000 -20.3% 0.3%
BancorpSouth Bank $1,400,000 $520,000 -62.9% 0.3%
VILLAGE CAPITAL & INVESTMENT LLC $105,000 $515,000 390.5% 0.3%
Zions Bancorporation, N.A. $555,000 $500,000 -9.9% 0.3%
Wallick & Volk, Inc. $250,000 $485,000 94.0% 0.3%
Goldwater Bank, N.A. $965,000 $475,000 -50.8% 0.3%
PNC Bank $475,000 n/a 0.3%
PRIMARY RESIDENTIAL MORTGAGE, INC. $450,000 n/a 0.3%
AMERICAN FINANCIAL RESOURCES, INC. $410,000 n/a 0.3%
FBC MORTGAGE, LLC $155,000 $405,000 161.3% 0.3%
TRIAD FINANCIAL SERVICES, INC. $400,000 $390,000 -2.5% 0.2%
VAN DYK MORTGAGE CORPORATION $390,000 n/a 0.2%
S1L, Inc. $380,000 n/a 0.2%
USAA Federal Savings Bank $425,000 $380,000 -10.6% 0.2%
Carrington Mortgage Services, LLC $95,000 $360,000 278.9% 0.2%
CHURCHILL MORTGAGE CORPORATION $360,000 n/a 0.2%
Commerce Home Mortgage, Inc. $355,000 n/a 0.2%
GUARANTEED RATE AFFINITY, LLC $310,000 $345,000 11.3% 0.2%
LOANPAL, LLC $345,000 n/a 0.2%
AMERICAN ADVISORS GROUP $120,000 $335,000 179.2% 0.2%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $135,000 $335,000 148.1% 0.2%
Ally Bank $215,000 $325,000 51.2% 0.2%
CHERRY CREEK MORTGAGE, LLC $325,000 n/a 0.2%
COUNTRYPLACE MORTGAGE, LTD. $325,000 n/a 0.2%
Encompass Lending Group, LP $325,000 n/a 0.2%
GSF Mortgage Corporation $315,000 n/a 0.2%
SOUTHWEST STAGE FUNDING, LLC $85,000 $315,000 270.6% 0.2%
First Community Bank $310,000 n/a 0.2%
HOMEXPRESS MORTGAGE CORP. $310,000 n/a 0.2%
PENTAGON FEDERAL CREDIT UNION $205,000 $310,000 51.2% 0.2%
Gulf Coast Bank and Trust Company $305,000 n/a 0.2%
The First National Bank of McGregor $305,000 n/a 0.2%
UNIVERSITY Federal Credit Union $300,000 n/a 0.2%
LENDINGHOME FUNDING CORPORATION $295,000 n/a 0.2%
DIRECTIONS EQUITY, LLC $285,000 n/a 0.2%
FIRST COMMUNITY CREDIT UNION $195,000 $285,000 46.2% 0.2%
MORTGAGE FINANCIAL SERVICES, LLC $280,000 n/a 0.2%
AMERICAN FINANCING CORPORATION $175,000 $275,000 57.1% 0.2%
First Bank $255,000 n/a 0.2%
MID AMERICA MORTGAGE, INC. $255,000 n/a 0.2%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $325,000 $250,000 -23.1% 0.2%
International Bank of Commerce $165,000 $240,000 45.5% 0.2%
TOTAL MORTGAGE SERVICES, LLC $235,000 n/a 0.1%
BARTON CREEK LENDING GROUP, LLC $225,000 n/a 0.1%
BRAZOS VALLEY SCHOOLS $205,000 $225,000 9.8% 0.1%
Metro City Bank $225,000 n/a 0.1%
SUN WEST MORTGAGE COMPANY, INC. $530,000 $225,000 -57.5% 0.1%
UNITED BUILT HOMES, L.L.C. $390,000 $225,000 -42.3% 0.1%
LIMA ONE CAPITAL, LLC $220,000 n/a 0.1%
U.S. Bank $145,000 $215,000 48.3% 0.1%
H E B $280,000 $210,000 -25.0% 0.1%
PANORAMA MORTGAGE GROUP, LLC $210,000 n/a 0.1%
Austin Capital Bank SSB $550,000 $205,000 -62.7% 0.1%
CHOCOLATE BAYOU COMMUNITY FEDERAL CREDIT UNION $205,000 n/a 0.1%
Eagle Bank and Trust Company $205,000 n/a 0.1%
SECURITY SERVICE $205,000 n/a 0.1%
FIRST SERVICE Credit Union $115,000 $200,000 73.9% 0.1%
Amerifirst Financial, Inc. $195,000 n/a 0.1%
ASPIRE FINANCIAL, INC. $420,000 $195,000 -53.6% 0.1%
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $465,000 $195,000 -58.1% 0.1%
RELIANCE FIRST CAPITAL, LLC $185,000 n/a 0.1%
Colonial Savings, F.A. $175,000 n/a 0.1%
First Internet Bank of Indiana $175,000 n/a 0.1%
GIBRALTAR MORTGAGE SERVICES, LLC $370,000 $175,000 -52.7% 0.1%
Regions Bank $630,000 $175,000 -72.2% 0.1%
Texas Mortgage Lending, LLC $145,000 $175,000 20.7% 0.1%
THRIVE MORTGAGE, LLC $1,370,000 $175,000 -87.2% 0.1%
CROSSCOUNTRY MORTGAGE, LLC $300,000 $165,000 -45.0% 0.1%
FIRST COMMUNITY MORTGAGE, INC. $165,000 n/a 0.1%
First National Bank in Port Lavaca $165,000 n/a 0.1%
INFINITY MORTGAGE HOLDINGS, LLC $165,000 n/a 0.1%
Lakeview Community Capital, LLC $165,000 n/a 0.1%
MEMBERS CHOICE Credit Union $165,000 n/a 0.1%
Spirit of Texas Bank, SSB $165,000 n/a 0.1%
BETTER MORTGAGE CORPORATION $480,000 $155,000 -67.7% 0.1%
Citizens State Bank $300,000 $155,000 -48.3% 0.1%
FINANCE OF AMERICA MORTGAGE LLC $155,000 n/a 0.1%
KELLER MORTGAGE, LLC $155,000 n/a 0.1%
Wolfe Financial, Inc $155,000 $155,000 0.0% 0.1%
PLAZA HOME MORTGAGE, INC. $270,000 $135,000 -50.0% 0.1%
SWBC MORTGAGE CORPORATION $360,000 $135,000 -62.5% 0.1%
Texas Bank Financial $135,000 n/a 0.1%
AMPLIFY $125,000 n/a 0.1%
Great Southern Bank $125,000 n/a 0.1%
SUCCESS MORTGAGE PARTNERS, INC. $125,000 n/a 0.1%
Victorian Finance, LLC $125,000 n/a 0.1%
Ennis State Bank $115,000 n/a 0.1%
Extraco Banks $115,000 n/a 0.1%
LEADERONE FINANCIAL CORPORATION $115,000 n/a 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $115,000 n/a 0.1%
NEW DAY FINANCIAL, LLC $125,000 $115,000 -8.0% 0.1%
NEWREZ LLC $245,000 $110,000 -55.1% 0.1%
Chicago Mortgage Solutions LLC $105,000 n/a 0.1%
INTERLINC MORTGAGE SERVICES, LLC $125,000 $105,000 -16.0% 0.1%
RB MORTGAGE LLC $105,000 n/a 0.1%
Frontier Bank of Texas $95,000 n/a 0.1%
Nations Lending Corporation $175,000 $85,000 -51.4% 0.1%
BBVA USA $105,000 $75,000 -28.6% 0.0%
Comerica Bank $75,000 n/a 0.0%
Truist Bank $75,000 n/a 0.0%
Crossroads Bank $45,000 n/a 0.0%

Bay City's top lender by overall market share is Gateway First Bank, with 16.4% market share. In second place, with 7.4%, is TEXAS DOW EMPLOYEES CREDIT UNION, having originated $11,620,000 in loans. In third place, with 6.8%, is Prosperity Bank, having originated $10,715,000 in loans. In third place, with 6.8%, is QUICKEN LOANS, LLC, having originated $10,665,000 in loans. In third place, with 4.1%, is SOUTHWEST FUNDING, LP, having originated $6,550,000 in loans.


Bay City, TX Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 437 $90,375,000 $206,808
Refi 242 $44,590,000 $184,256
Cash Out Refi 79 $20,415,000 $258,418
Other 9 $1,535,000 $170,556
Home Improvement 8 $940,000 $117,500

Bay City's most frequently cited loan purpose was Home Purchase, with 437 originations. The 2nd most popular reason was Refi, with 242 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
3-4% 285 $63,395,000 $222,439
2.5-3% 235 $47,155,000 $200,660
<2.5% 133 $25,335,000 $190,489
4-5% 71 $14,465,000 $203,732
Over 8% 13 $1,355,000 $104,231
6-7% 9 $795,000 $88,333
5-6% 9 $1,635,000 $181,667
7-8% 7 $1,075,000 $153,571

During 2021, Bay City's most frequently originated rate bucket was 3-4%, with 285 originations.

Loan Sizing (Bay City, TX MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 387 $58,525,000 $151,227
$200k-400k 257 $69,595,000 $270,798
$100,000 or less 106 $7,230,000 $68,208
$400k-600k 21 $9,665,000 $460,238
$Over $1MM 4 $12,840,000 $3,210,000

Bay City's loan sizing saw the bucket of loans from $100k-200k with 387 originations, totaling $58,525,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 387 $75,885,000 $196,085
60-80% 230 $52,680,000 $229,043
40-60% 69 $11,395,000 $165,145
20-40% 21 $6,375,000 $303,571
Over 100% 10 $1,780,000 $178,000
Under 20% 9 $155,000 $17,222

Bay City's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 387 originations, totaling $75,885,000 in origination value.


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Bay City (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $217,750 (1.3%) $239,440 (2.7%) 0.00 308
2018-02-01 $219,900 (4.7%) $244,191 (3.4%) 0.00 315
2018-03-01 $220,000 (10.0%) $244,113 (3.5%) 0.00 319
2018-04-01 $232,250 (16.7%) $244,379 (6.1%) 0.00 321
2018-05-01 $230,000 (15.6%) $245,446 (7.0%) 0.00 338
2018-06-01 $230,000 (15.6%) $249,544 (9.3%) 0.00 352
2018-07-01 $230,000 (7.0%) $252,192 (7.5%) 0.00 379
2018-08-01 $227,000 (5.6%) $251,540 (9.5%) 0.00 390
2018-09-01 $225,000 (3.2%) $250,599 (8.3%) 0.00 381
2018-10-01 $220,000 (0.9%) $246,526 (5.2%) 0.00 377
2018-11-01 $218,150 (0.1%) $240,429 (1.4%) 0.00 383
2018-12-01 $216,500 (-1.4%) $240,098 (-0.6%) 0.00 378
2019-01-01 $218,900 (0.5%) $239,641 (0.1%) 0.00 357
2019-02-01 $216,500 (-1.6%) $234,189 (-4.1%) 0.00 365
2019-03-01 $216,500 (-1.6%) $236,182 (-3.3%) 0.00 379
2019-04-01 $215,750 (-7.1%) $236,833 (-3.1%) 0.00 403
2019-05-01 $216,527 (-5.9%) $237,270 (-3.3%) 0.00 393
2019-06-01 $214,900 (-6.6%) $240,101 (-3.8%) 0.00 389
2019-07-01 $218,000 (-5.2%) $246,249 (-2.4%) 0.00 398
2019-08-01 $219,214 (-3.4%) $246,046 (-2.2%) 0.00 375
2019-09-01 $219,464 (-2.5%) $242,932 (-3.1%) 0.00 352
2019-10-01 $222,400 (1.1%) $245,442 (-0.4%) 0.00 346
2019-11-01 $209,900 (-3.8%) $241,285 (0.4%) 0.00 326
2019-12-01 $205,000 (-5.3%) $236,071 (-1.7%) 0.00 311
2020-01-01 $205,000 (-6.4%) $234,778 (-2.0%) 0.00 286
2020-02-01 $209,000 (-3.5%) $238,527 (1.9%) 0.00 282
2020-03-01 $213,450 (-1.4%) $267,018 (13.1%) 0.00 298
2020-04-01 $207,000 (-4.1%) $264,953 (11.9%) 0.00 295
2020-05-01 $214,900 (-0.8%) $267,027 (12.5%) 0.00 277
2020-06-01 $217,000 (1.0%) $268,653 (11.9%) 0.00 267
2020-07-01 $212,450 (-2.6%) $259,486 (5.4%) 0.00 243
2020-08-01 $205,000 (-6.5%) $251,407 (2.2%) 0.00 214
2020-09-01 $208,500 (-5.0%) $248,914 (2.5%) 0.00 196
2020-10-01 $212,000 (-4.7%) $262,189 (6.8%) 0.00 207
2020-11-01 $212,000 (1.0%) $269,132 (11.5%) 0.00 211
2020-12-01 $215,000 (4.9%) $272,763 (15.5%) 0.00 199
2021-01-01 $212,000 (3.4%) $265,701 (13.2%) 0.00 170
2021-02-01 $205,000 (-1.9%) $266,614 (11.8%) 0.00 160
2021-03-01 $209,450 (-1.9%) $302,430 (13.3%) 0.00 143
2021-04-01 $210,950 (1.9%) $298,144 (12.5%) 0.00 140
2021-05-01 $219,000 (1.9%) $313,478 (17.4%) 0.00 134
2021-06-01 $234,950 (8.3%) $326,196 (21.4%) 0.00 117
2021-07-01 $238,250 (12.1%) $329,240 (26.9%) 0.00 118
2021-08-01 $249,950 (21.9%) $323,167 (28.5%) 0.00 123
2021-09-01 $246,512 (18.2%) $289,091 (16.1%) 0.00 117
2021-10-01 $255,000 (20.3%) $294,774 (12.4%) 0.00 115
2021-11-01 $239,431 (12.9%) $286,019 (6.3%) 0.00 140
2021-12-01 $235,000 (9.3%) $288,203 (5.7%) 0.00 157
2022-01-01 $234,900 (10.8%) $298,453 (12.3%) 0.00 148
2022-02-01 $232,500 (13.4%) $302,867 (13.6%) 0.00 144
2022-03-01 $214,000 (2.2%) $312,713 (3.4%) 0.00 141
2022-04-01 $249,999 (18.5%) $355,785 (19.3%) 0.00 155
2022-05-01 $271,931 (24.2%) $368,953 (17.7%) 0.00 172
2022-06-01 $260,600 (10.9%) $367,564 (12.7%) 0.00 186
Bay City's median listing price for 2022-06-01 was $260,600, a difference of $25,650 (10.9%) versus the prior year and $-11,331 versus the prior month.

Bay City's median listing price comes in at 0% of the national average.

Bay City's average listing price for 2022-06-01 was $367,564, a difference of $41,368 (12.7%) versus the prior year and $-1,389 versus the prior month.

For the 2022-06-01 period, Bay City had 186 MLS listings, a difference of 14 listings (8%) versus the prior month and 69 listings (59%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Bay City (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,550 sqft
2018-02-01 0 days 1,512 sqft
2018-03-01 0 days 1,504 sqft
2018-04-01 0 days 1,491 sqft
2018-05-01 0 days 1,512 sqft
2018-06-01 0 days 1,566 sqft
2018-07-01 0 days 1,598 sqft
2018-08-01 0 days 1,607 sqft
2018-09-01 0 days 1,614 sqft
2018-10-01 0 days 1,600 sqft
2018-11-01 0 days 1,601 sqft
2018-12-01 0 days 1,620 sqft
2019-01-01 0 days 1,598 sqft
2019-02-01 0 days 1,566 sqft
2019-03-01 0 days 1,566 sqft
2019-04-01 0 days 1,566 sqft
2019-05-01 0 days 1,546 sqft
2019-06-01 0 days 1,572 sqft
2019-07-01 0 days 1,546 sqft
2019-08-01 0 days 1,561 sqft
2019-09-01 0 days 1,569 sqft
2019-10-01 0 days 1,585 sqft
2019-11-01 0 days 1,600 sqft
2019-12-01 0 days 1,572 sqft
2020-01-01 0 days 1,585 sqft
2020-02-01 0 days 1,582 sqft
2020-03-01 0 days 1,572 sqft
2020-04-01 0 days 1,603 sqft
2020-05-01 0 days 1,588 sqft
2020-06-01 0 days 1,572 sqft
2020-07-01 0 days 1,542 sqft
2020-08-01 0 days 1,600 sqft
2020-09-01 0 days 1,591 sqft
2020-10-01 0 days 1,647 sqft
2020-11-01 0 days 1,649 sqft
2020-12-01 0 days 1,638 sqft
2021-01-01 0 days 1,634 sqft
2021-02-01 0 days 1,559 sqft
2021-03-01 0 days 1,561 sqft
2021-04-01 0 days 1,543 sqft
2021-05-01 0 days 1,532 sqft
2021-06-01 0 days 1,557 sqft
2021-07-01 0 days 1,555 sqft
2021-08-01 0 days 1,577 sqft
2021-09-01 0 days 1,569 sqft
2021-10-01 0 days 1,560 sqft
2021-11-01 0 days 1,514 sqft
2021-12-01 0 days 1,485 sqft
2022-01-01 0 days 1,478 sqft
2022-02-01 0 days 1,544 sqft
2022-03-01 0 days 1,489 sqft
2022-04-01 0 days 1,549 sqft
2022-05-01 0 days 1,600 sqft
2022-06-01 0 days 1,561 sqft
Bay City's median listing age (time on market) for 2022-06-01 was 0 days.

Bay City's median square footage for active listings during the 2022-06-01 period was 1,561 sqft. One year prior, the average listing was 1,557 sqft.