Investor-grade market analytics for Bay City, Texas. Data from Zillow ZHVI, FRED, Census ACS, and FEMA NRI. Data through July 2026.
$210,191
+1.4% year-over-year
4.6%
gross annual
+1.4%
base case (Zillow ZHVF)
+1.4% year-over-year
25/100
LowNet migration: Top 45% nationally
In-migrants avg $64,212 AGI vs out-migrants $53,276
Opportunity Zone Market
4 ZIP codes in Bay City are designated Qualified Opportunity Zones (IRC 1400Z-2), eligible for capital gains tax deferral on qualifying investments. Learn more →
Bay City, TX is in a stabilization phase with 1.4% year-over-year appreciation, suggesting cooling demand and a shift toward balanced conditions. Affordability remains favorable with a price-to-income ratio of 3.81x, below the national average of 4.8x. Modest net positive migration (+21 returns/year) provides steady demand support. Climate risk remains low (25/100), favorable for long-term investment stability. Rental yield of 4.62% is moderate, offering acceptable cash flow for leveraged investments.
12-month projection (Zillow ZHVF model)
Bay City, TX's primary climate exposure is hurricanes (70/100). The composite climate risk score of 25/100 (Low) indicates overall risk reflecting favorable conditions for long-term real estate investment. This market benefits from relatively low natural hazard exposure compared to coastal and wildfire-prone regions.
Source: FEMA National Risk Index
Migration flows, ZIP-level neighborhood data, full demographics, price history, and the Market Screener.