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Bay City village, WI

ZIP 54723 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 54723

Median Home Value
$181,600
Median Rent
$734
Affordability Snapshot
$50,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,167/mo PITI).

11%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.2x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.6 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 54723 in Bay City village, WI, a household would need roughly $50,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,167. That sits below the local median household income ($83,750), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
84.3%+29% vs US avg
x
Vacancy Rate
6.6%-36% vs US avg
x
Broadband Access
87.2%+0% vs US avg
x
4+ Bedrooms
2.8%-81% vs US avg
x
Built Pre-1939
7.9%-39% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
2.9%-94% vs US avg
x
Mortgage-Free
38.1%-0% vs US avg
x
$181,600
Home Value
$734
Rent
1979
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached75.1%
  • 1-unit attached1.3%
  • 2-9 units5.1%
  • 10+ units0.0%
  • Mobile home & other18.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$181,600
Median rent$734
Owner-occupied84.3%
Vacant6.6%
Price-to-income2.2x
Est. income to buy$50,000