USDA Eligibility Boundaries for Bay, Michigan Bay QR code


State Welcome Sign  BayCounty Seal
89.2% of Bay County is eligible for a USDA home loan.


The United States Department of Agriculture has rated the natural amenities of this region. On a scale of one to seven, Bay county is rated a 3. The average temperature during the month of June is 72.0℉ and the average temperature in January is 23.1℉. The typical humidity of this area is approximately 59% and the area covered by water is 29.59%. The overall influence score for Bay is 2.

The map below displays geographic boundaries of Bay, Michigan with a blue border. Regions of Michigan that are highlighted in red are not eligible for USDA backed home loan programs in the state of Michigan. Typically these red-highlighted restricted areas represent areas of denser population areas such as city centers. USDAProperties.com can help you determine exactly what properties for sale are outside these exclusionary boundary areas. For higher resolution imagery click the map to zoom in or search for specific postal (zip) codes, city names or even counties. You can also search for specific addresses using the power search feature here.

Or you can continue searching for homes listed for sale in neighboring county. From county center to center Arenac is 40 kilometers to the north, Saginaw is 41 kilometers to the south and Midland is 32 kilometers to the west.

Select from the above list of cities in Bay County. Cities most likely to have USDA loan eligible properties are highlighted in the drop down list. Alternatively, use the search form to find your favorite counties, cities and zip codes in Michigan.


County level USDA loan eligibility boundaries for Bay, Michigan



Bay County is located in the east-central portion of Michigan's Lower Peninsula. The county has a population of over 107,000 people, with a median age of 40.2 years. The racial makeup of the county is 79.4% White, 13.3% African American, 2.7% Native American, 1.8% Asian, and 2.7% from other races.

The median household income in Bay County is $42,902, and the median home value is $118,700. The unemployment rate is at 5.5%, slightly lower than the national average. The poverty rate is 19%, higher than the national average of 11%.

Bay County has a mix of rural and urban areas. There are small towns, farms, and rural areas with rolling hills and forests. There are also larger cities such as Bay City, Saginaw, and Midland that offer more employment opportunities and amenities.

The climate in Bay County is generally mild throughout the year, with cold winters and hot summers. The area is known for its abundant outdoor recreational activities such as fishing, hunting, camping, boating, skiing, snowmobiling, and golfing.


Bay, Michigan
Rural homes in Bay, Michigan
Loan officers and realtors can answer your questions about USDA home loan programs.
For direct assistance with Michigan USDA program details you can also contact:
USDA RD State Office
3001 Coolidge Rd.
Suite 200
East Lansing, MI 48823
517-324-5190 | Fax 855-813-7741
Featured Property from USDA Loan Eligible Regions of Michigan
State Welcome Sign