Bay City ZIP Code List — Bay County, MI

There are 3 unique ZIP codes in Bay City, Michigan. Area code: 989.

ZIP codes

95.35

sq mi land

7.87

sq mi water

989

area code

Bay City, MI ZIP code map

About Bay City, MI

Bay City, Michigan, is a vibrant city nestled in Bay County, known for its rich history and beautiful waterfront. It offers residents and visitors a charming blend of small-town atmosphere and progressive growth. With a unique combination of natural beauty and cultural attractions, Bay City is a wonderful place to explore and live.

Location & geography

Located on the Saginaw Bay of Lake Huron, Bay City is situated in the central part of the state of Michigan. It is approximately 25 miles southwest of Saginaw and 100 miles north of Detroit, making it accessible to various regional hubs. The city covers a total land area of 95.35 square miles, complemented by 7.87 square miles of water, which contributes to its picturesque landscapes.

Community & economy

Bay City has a friendly and welcoming character, with a strong sense of community among its residents. The local economy is supported by various industries, including manufacturing, retail, and healthcare, which provide numerous employment opportunities. Daily life in Bay City is enriched by local events, festivals, and a diverse dining scene, fostering a sense of camaraderie and shared experience.

Transportation

Bay City is served by several major highways, including Interstate 75, which provides easy access to other regions in Michigan. The city does not have a commercial airport but is within reach of the MBS International Airport, located approximately 12 miles away in Freeland. Public transportation options are available, connecting residents to key points within the city and beyond.

History

Bay City was founded in the early 19th century and quickly became known for its pivotal role in the lumber industry during Michigan's economic expansion. Throughout its history, the city has been shaped by various key industries, including shipbuilding and manufacturing. Notable events include the establishment of the Bay City State Recreation Area, which has become a popular destination for outdoor enthusiasts.

Did you know?

A little-known fact about Bay City is that it hosts the annual Bay City St. Patrick's Day Parade, one of the largest of its kind in Michigan. Additionally, the city is home to the Saginaw River, which serves as a crucial waterway for recreational activities and commerce.

ZIP codes for Bay City, MI (3)

ZIP code	City	County	Map
48706	Bay City	Bay	View map
48707	Bay City	Bay	View map
48708	Bay City	Bay	View map

Demographics & statistics

65,039

Population

43.4

Median age

$53,763

Median household income

$31,968

Per capita income

$108,400

Median home value

$752

Median monthly rent

72.1%

Home ownership

19.3%

Poverty rate

5.7%

Unemployment

23,040

Housing units

18.7%

Bachelor's or higher

Age distribution

Male Female

1,445

Under 5

1,564

1,812

5–9

1,962

1,829

10–14

1,979

2,046

15–19

2,214

1,816

20–24

1,966

3,774

25–34

4,084

3,618

35–44

3,915

3,833

45–54

4,149

2,249

55–59

2,433

2,456

60–64

2,657

3,443

65–74

3,727

2,043

75–84

2,211

871

85+

943

← Male

Female →

Age summary

Group	Count	%
Under 18	13,077	19.9%
18 and over	51,962	80.1%
65 and over	13,238	19.9%
Median age	43.4 years

Race & ethnicity

White 87.3%

Two or more races 5.9%

Hispanic or Latino 3.4%

Black or African American 1.9%

Other race 0.7%

Asian 0.6%

American Indian / Alaska Native 0.2%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
White	58,766	87.3%
Two or more races	3,952	5.9%
Hispanic or Latino	2,258	3.4%
Black or African American	1,267	1.9%
Other race	473	0.7%
Asian	410	0.6%
American Indian / Alaska Native	116	0.2%
Native Hawaiian / Pacific Islander	55	0.1%

Household income

Under $10k 6.6%

$10k–$15k 7.2%

$15k–$25k 8.8%

$25k–$35k 10.8%

$35k–$50k 15.2%

$50k–$75k 17.1%

$75k–$100k 13.5%

$100k–$150k 12.0%

$150k–$200k 4.7%

$200k+ 4.5%

Range	% of households
Under $10k	6.6%
$10k–$15k	7.2%
$15k–$25k	8.8%
$25k–$35k	10.8%
$35k–$50k	15.2%
$50k–$75k	17.1%
$75k–$100k	13.5%
$100k–$150k	12.0%
$150k–$200k	4.7%
$200k+	4.5%
Median income	$53,763

Housing

Home values

Under $50k 12.0%

$50k–$100k 36.6%

$100k–$150k 20.8%

$150k–$200k 11.9%

$200k–$300k 12.8%

$300k–$500k 4.9%

$500k–$1M 1.2%

$1M+ 0.2%

Housing overview

Metric	Value
Median home value	$108,400
Median rent / month	$752
Owner occupied	72.1%
Renter occupied	28.0%
Vacant	8.1%
Single-family detached	74.0%
Large apartment buildings	5.4%
Mobile homes	3.4%
Median rooms	5.7
Avg household size (owned)	2.36

Year built

Era	%
2020 or later	0.1%
2010–2019	2.1%
2000–2009	5.0%
1990–1999	6.4%
1980–1989	4.7%
1970–1979	12.8%
1960–1969	10.4%
1950–1959	16.2%
1940–1949	9.5%
1939 or earlier	33.0%

Bedrooms

Size	% of units
No bedroom (studio)	1.6%
1 bedroom	11.6%
2 bedrooms	23.3%
3 bedrooms	44.9%
4 bedrooms	15.4%
5+ bedrooms	3.3%

Vehicles per household

Vehicles	% of households
No vehicle	9.8%
1 vehicle	38.2%
2 vehicles	36.2%
3 or more	15.9%

Heating fuel

Fuel type	%
Utility gas	85.9%
Electricity	9.0%
Propane / LP gas	2.3%
Fuel oil	0.5%
Wood	1.2%
No fuel used	0.3%

Households & families

Household type	Count	%
Married-couple family	11,347	39.2%
Cohabiting couple	2,629	9.3%
Male householder, no spouse	5,318	19.4%
Female householder, no spouse	9,063	32.2%
Households with children under 18	7,307	25.5%
Households with seniors (65+)	9,714	33.8%
Average household size	2.27

Marital status

Status	Male	Female
Never married	36.5%	31.0%
Married	45.2%	40.5%
Separated	1.3%	1.6%
Widowed	2.9%	11.7%
Divorced	14.2%	15.4%

Education

Less than 9th grade 3.1%

Some HS, no diploma 7.4%

HS graduate 33.5%

Some college, no degree 26.9%

Associate's degree 10.6%

Bachelor's degree 12.6%

Graduate / professional 6.2%

Metric	%
HS diploma or higher	89.6%
Bachelor's or higher	18.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	804	5.6%
Kindergarten	793	5.6%
Elementary school	5,877	43.6%
High school	3,480	26.1%
College / grad school	2,524	19.2%

Employment

Industry of employment

Education & healthcare 26.1%

Manufacturing 15.4%

Retail trade 14.8%

Arts, food & hospitality 11.3%

Professional & management 6.6%

Other services 5.4%

Finance & real estate 4.9%

Construction 4.7%

Transportation & utilities 4.3%

Public administration 3.0%

Wholesale trade 1.8%

Information 1.2%

Agriculture & mining 0.9%

Occupation

Category	%
Management, business & arts	29.7%
Service	20.2%
Sales & office	25.3%
Natural resources & construction	8.6%
Production & transportation	16.3%

Employment type

Type	%
Private sector	83.3%
Government	10.4%
Self-employed	6.3%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	82.7%
Carpool	6.7%
Public transit	0.5%
Walk	2.4%
Other means	1.8%
Avg commute (minutes)	22.0

Poverty

All people 19.3%

Under 18 years 28.8%

18 and over 17.0%

Married-couple families 5.5%

Female-led households 32.8%

Income support

Source	% of households
Social Security	42.0%
Retirement income	29.1%
Supplemental Security	8.2%
Cash public assistance	2.6%
Food stamps / SNAP	16.0%

Health indicators

Condition	%
High blood pressure	35.0%
High cholesterol	35.4%
Heart disease	7.5%
Stroke	3.6%
Asthma	11.3%
Arthritis	31.5%
Kidney disease	3.3%
Pulmonary disease	9.1%
Cancer	7.1%

Behavior / access	%
Binge drinking	20.0%
No physical activity	23.0%
Less than 7 hrs sleep	33.6%
Fair or poor health	17.0%
Poor mental health	17.0%
Poor physical health	12.5%
No health insurance	10.9%
Visited doctor (checkup)	75.1%
Visited dentist	64.6%
Cholesterol screening	90.3%
Teeth loss	14.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	3,968	7.7%

Disability	%
Any disability	17.5%
Under 18	6.8%
18–64 years	15.3%
65 and over	35.8%

Health insurance coverage

Type	%
Private insurance	66.8%
Public insurance	47.0%
Uninsured under 19	3.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	62,030	95.5%
Spanish	396	0.7%
Other Indo-European	158	0.3%
Asian & Pacific Islander	189	0.3%
Other languages	49	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	64,287	98.9%
Born in same state	64,047	98.4%
Born in different state	57,926	88.7%
Foreign born	240	0.4%
Naturalized citizen	752	1.2%
Not a US citizen	544	73.1%

Ancestry

Ancestry	Count	%
Italian	6,587	10.1%
French	4,487	6.9%
Arab	2,149	3.3%
German	1,629	2.5%
English	1,499	2.3%

Ancestry	Count	%
Irish	694	1.1%
Polish	549	0.8%
Dutch	98	0.2%
Norwegian	63	0.1%

Technology access

Metric	% of households
Computer access	43.6%
Internet access	91.1%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions

What ZIP codes does Bay City, MI have?

Bay City, MI has 2 ZIP codes: 48706, 48708. Each ZIP code serves a distinct delivery area within the city and surrounding region.

What is the main ZIP code for Bay City, MI?

The primary ZIP code for Bay City, MI is 48706. The city uses area code 989 for phone service.

What county is Bay City, MI in?

Bay City is located in Bay County, Michigan.

How many ZIP codes are in Bay City, MI?

Bay City, MI has 2 ZIP codes.

What ZIP code is the Bay City downtown area and historic Riverfront Park located in?

Bay City's downtown area and the scenic Riverfront Park along the Saginaw River are located in ZIP code 48706.

Which ZIP code serves the Bay City State University campus and the surrounding academic district?

Delta College's Bay City campus and the surrounding educational institutions are served by ZIP code 48708.