Bay City composite
49.9 /100
Grade B- · weighted across 7 dims
Metro comparison
Bay City vs Saginaw
Bay City, MI and Saginaw, MI side by side, cost of living, rent, wages, crime, schools, childcare and environment, all from the same federal datasets so every number is directly comparable.
- 49.9
- Bay City Life Score
- B-
- Bay City grade
- 59.9
- Saginaw Life Score
- A-
- Saginaw grade
Head-to-head verdict
Across the seven dimensions, Bay City scores higher on 3 (rent, safety, childcare) and Saginaw on 4 (cost of living, wages, schools, environment). The radar shows the full shape; the tables below break out every figure.
Bay City vs Saginaw across all seven dimensions (each scored 0–100 as a national percentile, bigger area = stronger overall)
Where each metro wins, and by how much
Every dimension is a national percentile (0–100). Each bar leans toward the stronger metro, a long lean is a decisive edge, a near-even split is a toss-up. The radar shows the overall shape; this shows the per-dimension margins.
◖ Bay City Saginaw ◗
cost of living
63
70
wages
21
41
rent
91
77
safety
20
17
schools
75
79
childcare
83
79
environment
8
77
Bay City and Saginaw differ across eleven dimensions of livability. Bay City has a cost-of-living index of 91.9 vs Saginaw's 90.9 (national average = 100). Median salaries are $61,214 in Bay City and $63,858 in Saginaw. A 2-bedroom averages $1,030/mo vs $1,117/mo.
How to read this matchup
Reading the Bay City vs Saginaw Comparison
Bay City (MI) and Saginaw (MI) are assembled here from the same federal data pipeline, BEA Regional Price Parities, HUD Fair Market Rents, BLS Occupational Employment and Wage Statistics, FBI Uniform Crime Reports, NCES public-school counts, and EPA environmental indicators, so every number on this page is directly comparable. The overall cost index reads 91.9 for Bay City against 90.9 for Saginaw, a 1.0-point gap on a scale where 100 equals the U.S. average. HUD's 2-bedroom Fair Market Rent, the figure used to set housing-choice voucher payment standards, is $1,030/mo in Bay City and $1,117/mo in Saginaw, a $87/mo difference that compounds to $1,044 over a year.
On wages, BLS OES reports a median salary of $61,214 across 27,180 jobs in Bay City against $63,858 across 72,600 jobs in Saginaw. Adjusted through the BEA cost-of-living lens, $100,000 earned in Bay City carries the same local purchasing power as $98,879 in Saginaw - the most honest way to read the salary headline, because nominal wages and rents move together in tight metros. State-level violent crime, the most reliable geographic tier FBI UCR publishes, is 431.4 per 100,000 residents in MI vs 431.4 in MI, with property-crime rates of 1395.3 and 1395.3 respectively.
Schools are reported at the state tier by NCES: MI lists 3,399 public schools at a 17.5:1 student-teacher ratio, while MI lists 3,399 schools at 17.5:1, a signal of class-size staffing, though individual district and school-level variation within each state is substantial. Department of Labor center-based infant care runs $7,444/yr in the Bay City area versus $7,444/yr in Saginaw - a line item that shifts the real cost-of-living picture for households with children under five far more than headline RPP does. When these pieces are read together rather than in isolation, Bay City and Saginaw are not simply "cheaper" or "more expensive" - they trade across dimensions, and which metro wins depends on whether your household optimizes for rent, wages, schools, childcare, safety, or environment. Treat the tables below as inputs to that trade-off, not as a single ranking.
Saginaw composite
59.9 /100
Grade A- · weighted across 7 dims
Cost-of-living gap
1.0 pts
Bay City vs Saginaw BEA RPP
2-bed rent delta
$87 /mo
Saginaw priced higher
Composite life score on the national 0–100 scale
Bay City
Bay City composite (Grade B-)
Saginaw
Saginaw composite (Grade A-)
Composite is a weighted roll-up of seven dimensions: cost (20%), wages (20%), rent (15%), safety (15%), schools (10%), childcare (10%), environment (10%). Each input normalized to a 0–100 percentile across all metros.
💰 Cost of Living BEA →
| Category | Bay City | Saginaw |
|---|---|---|
| Overall RPP | 91.9 | 90.9 |
| Goods | 93.7 | 93.7 |
| Services | 95.2 | 95.8 |
| Rents | 66.7 | 63.6 |
Salary Equivalent Calculator
What salary in Saginaw gives the same purchasing power as your salary in Bay City?
$
Equivalent in Saginaw:
$98,879
Based on BEA Regional Price Parities (Bay City: 91.9, Saginaw: 90.9, national avg = 100).
🏠 Rent (Fair Market Rent) HUD →
| Bedrooms | Bay City | Saginaw |
|---|---|---|
| Studio | $809/mo | $770/mo |
| 1 Bedroom | $814/mo | $851/mo |
| 2 Bedroom | $1,030/mo | $1,117/mo |
| 3 Bedroom | $1,399/mo | $1,440/mo |
| 4 Bedroom | $1,518/mo | $1,479/mo |
💼 Wages & Employment BLS →
| Metric | Bay City | Saginaw |
|---|---|---|
| Avg Median Salary | $61,214 | $63,858 |
| Total Employment | 27,180 | 72,600 |
🛡️ Crime Rates (state-level) FBI →
| Crime Type (per 100K) | Bay City (MI) | Saginaw (MI) |
|---|---|---|
| Violent Crime | 431.4 | 431.4 |
| Property Crime | 1395.3 | 1395.3 |
🎓 Schools (state-level) NCES →
| Metric | MI | MI |
|---|---|---|
| Total Schools | 3,399 | 3,399 |
| Student-Teacher Ratio | 17.5:1 | 17.5:1 |
| Charter Schools | 10.9% | 10.9% |
👶 Childcare Costs (Annual Avg) (state-level) DOL →
| Age Group | MI | MI |
|---|---|---|
| Infant (Center) | $7,444/yr | $7,444/yr |
| Toddler (Center) | $7,636/yr | $7,636/yr |
| Preschool (Center) | $7,221/yr | $7,221/yr |
🌿 Environment (state-level) EPA →
| Metric | MI | MI |
|---|---|---|
| EPA Facilities | 918 | 918 |
| Water Systems | 1,433 | 1,433 |
| Superfund Sites | 90 | 90 |
| Water Violations | 1,000 | 1,000 |
Government-verified data - Air quality (EPA AQS), water safety (EPA SDWIS), healthcare access (HRSA), and disaster risk (FEMA NRI) are sourced directly from U.S. federal agencies. No crowdsourced estimates.
💨 Air Quality (EPA AQS) EPA AQS →
| Metric | Bay City | Saginaw |
|---|---|---|
| Median AQI | 37.0 | 37.9 |
| Good Air Days | 76.3% | 78.0% |
| Unhealthy Air Days | 0 days | N/A |
Saginaw air quality shown at state level. Bay City has metro-level data.
💧 Water Safety (EPA SDWIS, state-level) EPA SDWIS →
| Metric | MI | MI |
|---|---|---|
| Water Safety Score | 18/100 | 18/100 |
| Total Violations | 255,201 | 255,201 |
| Health-Based Violations | 31,467 | 31,467 |
| Systems with Violations | 86.1% | 86.1% |
🏥 Healthcare Access (HRSA, state-level) HRSA →
| Metric | MI | MI |
|---|---|---|
| Healthcare Access Score | 0/100 | 0/100 |
| Population in Shortage Area | 100.0% | 100.0% |
| HPSA Designations | 777 | 777 |
HPSA = Health Professional Shortage Area, designated by HRSA. Higher access score = better healthcare availability.
⚠️ Natural Disaster Risk (FEMA NRI, state-level) FEMA NRI →
| Metric | MI | MI |
|---|---|---|
| Disaster Safety Score | 64/100 | 64/100 |
| NRI Risk Score (avg county) | 49.6 | 49.6 |
| Expected Annual Loss Score | 49.0 | 49.0 |
FEMA National Risk Index (NRI) scores are county-level percentiles (0–100). Higher disaster safety score = lower relative risk. State-level values are county averages.
Crime, schools, childcare, and environment data shown at state level. Metro-specific data for these dimensions is not available.
Frequently Asked Questions
Is Bay City more expensive than Saginaw? ▼
Bay City has a cost of living index of 91.9 compared to Saginaw's 90.9 (national average = 100). Bay City is 1.0 points above Saginaw on the BEA Regional Price Parity scale.
What is the rent difference between Bay City and Saginaw? ▼
A 2-bedroom apartment averages $1,030/mo in Bay City vs $1,117/mo in Saginaw, based on HUD Fair Market Rent data. Studios range from $809/mo to $770/mo.
How do salaries compare between Bay City and Saginaw? ▼
The average median salary across all occupations is $61,214 in Bay City and $63,858 in Saginaw, according to BLS Occupational Employment and Wage Statistics. After adjusting for cost of living, $100,000 in Bay City has the same purchasing power as $98,879 in Saginaw.
Is Bay City or Saginaw safer? ▼
At the state level, MI has a violent crime rate of 431.4 per 100,000 residents compared to MI's 431.4 per 100,000. Property crime rates are 1395.3 vs 1395.3 per 100,000 respectively, based on FBI Uniform Crime Report data.
How do schools compare between Bay City and Saginaw? ▼
MI has 3,399 public schools with an average student-teacher ratio of 17.5:1, while MI has 3,399 schools at 17.5:1. Charter schools make up 10.9% of MI schools vs 10.9% in MI. Data from the National Center for Education Statistics.
Where does the comparison data come from? ▼
All data comes from official U.S. government sources: Bureau of Economic Analysis (cost of living), HUD (fair market rents), BLS (wages), FBI UCR (crime), NCES (schools), Department of Labor (childcare), EPA (environment, air quality, water safety), HRSA (healthcare access), and FEMA NRI (disaster risk). No crowdsourced estimates or proprietary ratings are used.
Research Guides
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Data from BEA, HUD, FBI UCR, BLS OES, NCES, DOL, EPA AQS, EPA SDWIS, HRSA, and FEMA NRI. Not affiliated with the U.S. Government.
Disclaimer: This comparison is provided for informational purposes only and does not constitute financial, legal, or relocation advice. Consult a qualified professional before making decisions based on this data.
Related
Data sourced from official public datasets, current as of 2026. See our methodology for details. Retrieved and formatted by PlainCompare Editorial