Saginaw vs Bay City leftover
You'd keep $170 more a month in Bay City
$2,377/mo leftover in Bay City vs $2,207 in Saginaw after tax and rent ($170 more). +$2,040 a year for the same registered nurse, the same household size, and the same number of bedrooms. Not a cost-of-living index.
Saginaw leftover
$2,207
a month after tax and rent
Bay City leftover
$2,377
+$170 vs Saginaw
Compare Saginaw to another metro
Same paycheck. Try a different city next to Saginaw.
Monthly gap
Saginaw → Bay City
$170
more / month in Bay City
$2,377 in Bay City · $2,207 in Saginaw · One adult, renting a 1-bedroom
Home
Only when you tap. We match the nearest metro and don't keep the coordinates.
Destination
In 2022-2023, 502 households moved Saginaw → Bay City (avg AGI $53,331). 480 went the other way. The whole move →
+$170 / mo
| Per month | Saginaw | Bay City | Difference |
|---|---|---|---|
| Gross pay | $6,583 | $6,841 | +$258 |
| Income and payroll tax | $1,579 | $1,669 | +$90 |
| Take-home pay | $5,004 | $5,172 | +$168 |
| Rent | $856 | $842 | −$14 |
| Getting around | $573 | $584 | +$11 |
| Groceries | $378 | $378 | $0 |
| Healthcare | $425 | $425 | $0 |
| Utilities | $236 | $236 | $0 |
| Everything else | $330 | $330 | $0 |
| Left over | $2,207 | $2,377 | +$170 |
To break even in Bay City, you'd need to earn
$79,000
Household gross, versus $79,000 today. That's the salary that leaves you exactly as much at the end of the month as Saginaw does now.
The tax difference alone
−$162
A year, in state and local income tax. Effective rates: 24.0% in Saginaw, 24.4% in Bay City.
More about Bay City
Saginaw, MI in full
A flat 4.25% state income tax, a median 2-bedroom asking rent of $1,019 and 166 sunny days; commutes average 22 minutes.
Bay City, MI in full
A flat 4.25% state income tax, a median 2-bedroom asking rent of $1,002 and 171 sunny days; commutes average 23 minutes.
The reverse move
Same two cities, but starting from Bay City on Bay City wages.
Bay City → Saginaw →Questions
Is the cost of living lower in Bay City than Saginaw?
A one-bedroom is about $856 in Saginaw versus $842 in Bay City. On a one-adult, one-bedroom household, leftover is about $170 a month higher in Bay City. Change the job or household on the comparison to see your number.
Does Bay City have state income tax?
Bay City is in Michigan, which taxes wage income, plus a local wage tax of 1.00%.
What changes if you move from Saginaw to Bay City?
Take-home pay is recalculated under Michigan tax, rent is priced at the same bedroom count, and leftover is the gap. The from-to page also lists IRS households that already made the move, when that data exists.
Leftover is take-home after federal, state and city wage tax, minus asking rent at the bedroom count you set, minus a modelled month of groceries, utilities, healthcare, transport and childcare. It is not a cost-of-living index and not a moving quote. The dollar gap between Saginaw and Bay City moves when you change the job, remote versus local pay, or bedrooms. How the math works · Leftover vs a COL index · Why a cheaper COL% can still lose leftover.
Rent is Zillow's asking rent for each metro; taxes and living costs are modelled. An estimate, not a quote or tax advice. How this is calculated.