First mortgage
Bay County Habitat for Humanity Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Down payment assistance · Bay County
Buying a home in Bay City, MI
1 Bay City program and 9 statewide.Bay City has 1 program of its own, and 9 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Bay City addresses
Bay City’s own program
The Bay City marketThe Bay City housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Bay City
- 73.2% single-familysingle-family
- 4.1% townhousetownhouse
- 11.2% 2–4 units2–4 units
- 10.4% 5+ unitscondo & apartment buildings (5+ units)
- 1.1% mobile & othermobile home & other
About condos. Bay City’s one local program does not list condos as eligible. Bay County Habitat for Humanity Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Bay City’s homes were built
pre-19401970s2020+
88.9%
of Bay City homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$89,900
County area median income, 4 people (HUD)HUD area median income, Bay County, 4-person household (2026)
$49,420
Bay City median household incomeMedian household income in Bay City (Census, 2024)
12 of the 72 programs here set their income limit as a share of Bay County’s area median income, adjusted for household size. See the published limits for Bay County
Free help nearbyFree help near Bay City
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Bay City’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Bay County Habitat for Humanity Homeownership Program asks for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Michigan and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Bay City questions
Does Bay City have its own down payment program?
Yes, one: Bay County Habitat for Humanity Homeownership Program, a first mortgage for first-time homebuyers (new construction, income limits). It is for homes inside Bay City.
Can I use assistance on a condo in Bay City?
Bay City’s one local program does not list condos as eligible. Bay County Habitat for Humanity Homeownership Program lists single family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Bay County?
Each program sets its own. 12 of the programs here set theirs as a share of HUD’s area median income for Bay County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Bay City?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
48706 · 48707 · 48708
Nearby in Bay
Sources
Sources: agency sites (June–September 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–September 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.