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Cost & Benefits

Cost of living in Bay City, Texas

Bay City, Texas has about 17,730 people. Typical rent is $1,025 a month, including utilities, and a typical household earns $53,840 a year. Both figures are Census 2020–2024 medians, not a listing or your pay. This site does not approve or deny benefits. A missing figure stays blank. We do not guess it.

Ranked #263 in Texas on the 2026 Most Affordable Towns Index.

Simple answer

Typical rent is $1,025 a month.

Bay City is a city in Texas. That rent number includes utilities. A typical household earns $53,840 a year.

Is Bay City affordable?See benefits in Bay City
People
17,730
Census average, 2020–2024
Typical rent
$1,025
Median gross rent, includes utilities
Typical pay
$53,840
Median household income, yearly
Typical home
$160,800
Median home value
2-bedroom fair rent
$1,226
Matagorda County, TX

Bay City, Texas has about 17,730 people. That count is a 2020–2024 Census average, not a headcount from one day.

A typical home is worth about $160,800.

HUD's fair-market rent for a 2-bedroom in Matagorda County is $1,226 a month. That is the county number, not an apartment listing in Bay City. It runs from October 2026 through September 2027.

Texas's prices sit at 97.1 when the U.S. average is 100. This place is not in a metro area with its own index, so this is the state number from BEA for 2024.

Texas does not tax wages. A typical combined sales tax is 8.2% as of January 1, 2026. That mix is statewide, not Bay City's exact store tax.

In July 2026, a typical Texas home paid 15.88¢ per kilowatt-hour. That is a state average from EIA, not Bay City's bill.

In 2025, all-grades gas in Texas averaged $2.76 a gallon. EIA prints this yearly price for only some states.

Among 885 places we list in Texas with a rent figure, 538 have higher typical rent than Bay City.

Nearby places

EBT nearby

USDA has a live map of stores that take SNAP. We did not copy that store list here. The downloadable file is a history file for 2005 through 2025, so the live map is the one to use.

Find SNAP stores near Bay CityWhat EBT can buy in Texas

Locator page updated 2026-09-11. Last checked 2026-10-16.

Food stamps (SNAP) tools in Texas

Bigger places in Texas

Census 2020-2024. HUD rents for October 2026–September 2027. BEA prices for 2024. Taxes as of January 1, 2026. Checked 2026-10-16. 15,000 places are in this guide.