Bay City

Cost of Living in Bay City, MI (2026): Rent, Utilities & Take-Home

$2,503 left/mo

Photo: Andrew Jameson / Wikimedia

$2,795/mo in Bay City. $2,503 left each month. Prices near the US average.

Pick a home city How we figure this

Monthly costs

Take-home $5,298/mo.

Taxes$1,679
Rent$842
Other$1,953
Left$2,503

Pay and tax, per year

Gross household pay: $83,730
Federal income tax: −$9,591
Social Security and Medicare: −$6,405
State income tax (MI): −$3,321
City / county wage tax: −$837
Take-home pay: $63,576
Effective tax rate: 24.1%

Living costs, per month

Rent, 1br: $842
Groceries: $378
Getting around: $584
Healthcare: $425
Utilities and internet: $236
Everything else: $330
Total spending: $2,795

After tax and rent

$2,503 left/mo

Stats

Rent: $1,002; 2 bd median
Take-home: $5,298; Per month
Tax: 24%; Of pay
Prices: 6% below; US, besides rent

Average electric bill in Michigan

About $180 a month for a household using 900 kWh. That is the EIA residential price for Michigan in 2025, 20.03¢ per kWh. It is a state average, not a Bay City utility bill, and the utilities line in the monthly costs above already includes a modelled power cost.

Moving from Bay City

Moving from Bay City to Detroit