Bay County Habitat for Humanity Homeownership Program
First mortgage · New construction · Income limits
Single Family
See details Aug 2026
Down payment assistance · Michigan
Buying a home in Bay County, MI
1 county-wide program, plus 8 statewide and 62 nationwide.Bay has 1 program that covers the whole county. On top of those, 8 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in BayAnywhere in Bay County
1 program for every Bay address1 program that covers every Bay address
It is for first-time homebuyers and ask for a homebuyer class.This is run for the whole county, so a home in Bay City, Essexville or Auburn can use it. It is for first-time homebuyers and ask for a homebuyer class.
The Bay marketThe Bay housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Bay
- 76.2% single-familysingle-family
- 4.1% townhousetownhouse
- 5% 2–4 units2–4 units
- 10% 5+ unitscondo & apartment buildings (5+ units)
- 4.7% mobile & othermobile home & other
About condos. None of the 1 county or city program here list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Bay’s homes were built
pre-19401970s2020+
74.6%
of Bay 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
HUD area median income, 4 people (FY2026)HUD area median income, Bay County, 4-person household (FY2026)
$61,763
Median household income (ACS 2024 5-year)Median household income in Bay (Census ACS 2024 5-year)
77%
of occupied homes are owner-occupied (Michigan: 73.2%)
The two income figures measure different things. HUD’s area median income is the one programs use. 11 of the 71 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 in BayFree help in Bay
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Bay’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.
Find my counselor
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4 cities and placesA to Z
All cities in Bay CountyAll 4 cities and places in Bay County
Bay questions
Can I use a county program anywhere in Bay?
The 1 county-wide program cover homes anywhere in the county. City programs are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Bay County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Bay programs accept condos?
None of the 1 county or city program here list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Bay?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
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), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.