Affordable Housing In Bay City
Bay County, Michigan

Waiting List Openings In Bay City

Waiting ListStatus
Michigan State Housing Development Authority Housing Choice Voucher Open Now
Michigan State Housing Development Authority Housing Choice Voucher Open Now
Michigan State Housing Development Authority Housing Choice Voucher Open Now

13 Low Income Apartment Communities In Bay City


1114 N Jackson St
Bay City, MI

Bradley House

100 Fifteenth St
Bay City, MI

Maplewood Manor - Bay City

1200 N Madison Ave
Bay City, MI

The Village of Hampton Meadows

668 N Pine Rd
Bay City, MI
Elderly Supportive Housing

Bramblewood Coop 1

3258 Kiesel Rd
Bay City, MI

Maloney Manor

210 Fitzhugh St
Bay City, MI

Country Meadows

115 Country Meadows Ln
Bay City, MI
HCV Welcome

Scattered Site Housing

818 Sibley St
Bay City, MI

Bay Area Housing 1001 9th Street

1001 9th St
Bay City, MI
HCV Welcome

Riverwalk Meadows

505 Germania St
Bay City, MI
HCV Welcome

Housing Authorities that serve Bay City

Housing Authority Programs
Bay City Housing Commission Public Housing
Bay County Housing Department Public Housing
Michigan State Housing Development Authority Section 8 Housing Choice Voucher (HCV); Homeownership Voucher; Family Self-sufficiency; Veteran Affairs Supportive Housing (VASH); Section 8 Project-Based Voucher (PBV)

Guide To Affordable Housing in Bay City, Michigan

According to federal housing data and research, there are 13 low income housing apartment communities offering 1,351 affordable apartments for rent in Bay City, Michigan. Bay City features 1,150 low income apartments with rental assistance where households typically pay no more than 30% of their income towards rent. Additionally, there are 201 other low income apartments that don't provide direct rental assistance but remain affordable to low income households in Bay City.

Bay City, MI Affordable Housing Snapshot

Total Affordable Apartment Properties 13
Total Low Income Apartments 1,351
Total Housing Units with Rental Assistance 1,150
Percentage of Housing Units Occupied By Renters 30.64%
Average Renter Household Size 2.08
Average Household Size 2.40
Median Household Income $34,743 ±$2,319
Median Rent $575 ±$33
Percentage Of Renters Overburdened 51.36% ± 5.86pp
Total Population 34,402

Population and Household Demographics

Bay City is a City in Bay County, Michigan with a population of 34,402. There are 14,139 households in the city with an average household size of 2.40 persons. 30.64% of households in Bay City are renters.

Income and Rent Overburden in Bay City

The median gross income for households in Bay City is $34,743 a year, or $2,895 a month. The median rent for the city is $575 a month.

Households who pay more than thirty percent of their gross income are considered to be Rent Overburdened. In Bay City, a household making less than $1,917 a month would be considered overburdened when renting an apartment at or above the median rent. 51.36% of households who rent are overburdened in Bay City.1

Area Median Income In Bay City

Affordable housing program eligibility is always determined by one's income. Each household's income is compared to the incomes of all other households in the area. This is accomplished through a statistic established by the government called the Area Median Income, most often referred to as AMI. The AMI is calculated and published each year by HUD.

HUD often uses an area larger than a city to determine the AMI because HUD anticipates those searching for housing will look beyond individual cities during their housing search. For Bay City, the AMI is calculated from all households within Bay County.

In Bay City, HUD calculates the Area Median Income for a family of four as $59,200

Most affordable housing programs determine eligibility based on the percent of AMI a given household's income is. Among the programs that determine eligibility based on the AMI are Section 8, HOME, LIHTC, Section 515, 202 and 811.

Rental Assistance in Bay City

Rental assistance is a type of housing subsidy that pays for a portion of a renter’s monthly housing costs, including rent and tenant paid utilities. This housing assistance can come in the form of Section 8 Housing Choice Vouchers, project-based Section 8 contracts, public housing, USDA Rental Assistance (in Section 515 properties) as well as HUD Section 202 and 811 properties for elderly and disabled households.

Income Qualifications for Bay City HUD Rental Assistance in Bay City

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
30% of Median $12,850 $16,910 $21,330 $25,750 $30,170 $34,590 $37,900 $40,350
50% of Median $21,400 $24,450 $27,500 $30,550 $33,000 $35,450 $37,900 $40,350
80% of Median $34,250 $39,150 $44,050 $48,900 $52,850 $56,750 $60,650 $64,550
Low Income Housing Tax Credits in Bay City

The Low-Income Housing Tax Credit (LIHTC) program aims to create affordable rental housing for low and very low income families.

From 1995 to 1999, 3 low income apartment communities containing 195 rental apartments have been constructed and made affordable to low income persons in Bay City by the Low Income Housing Tax Credit Program.

If your income is less than 60% of the Area Median Income (AMI), you should not expect to pay more than the rent value for a unit in the table below. However, Affordable apartment communities that receive funding through the Low Income Housing Tax Credit program may have rental units that are not subject to income and rent limits.

Rent limits for the LIHTC Program are determined so that a household making the maximum income for the expected household size of the unit would only pay 30% of their income for rent.

Income Qualifications for Low Income Housing Tax Credit Apartments in Bay City

Income 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
50% of Median $21,400 $24,450 $27,500 $30,550 $33,000 $35,450 $37,900 $40,350
60% of Median $25,680 $29,340 $33,000 $36,660 $39,600 $42,540 $45,480 $48,420

For example, the expected household size for a two bedroom apartment is 3 people. Using the table above, the maximum income for a 3 person household at 60% of the AMI in Bay City is $33,000 a year, or $2,750 a month. To determine the maximum rent in the table below we multiply the monthly maximum income, $2,750 by 30% to get a maximum rent of $825 a month.

Rent for units in the LIHTC Program include a utility allowance which is determined by the average monthly cost of utilities paid directly by residents. This allowance has not been subtracted from the rents in the table below. These utility allowances are set on a property by property basis.

% of AMI Studio 1 Bed 2 Bed 3 Bed 4 Bed 5 Bed
50% $535 $573 $688 $794 $886 $978
60% $642 $688 $825 $953 $1,064 $1,174
Fair Market Rents in Bay City

Fair Market Rents, often abbreviated as FMR, can be used to better understand the average housing costs of an area. Notably, Fair Market Rents are used to establish the payment standards for the Housing Choice Voucher Program, maximum rents in HOME financed rental projects and initial rents for Section 8 project based assistance.

2020 Fair Market Rents
Studio One BR Two BR Three BR Four BR
$478 $557 $734 $972 $994