Cost Of Living in Bay City, WI

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A+

9%

Overall NAT. AVG.

0%

Groceries NAT. AVG.

28%

Housing NAT. AVG.

Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.

The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index	Bay City	Wisconsin	National
Cost of living	91	96	100
Groceries	100	99	100
Health care	99	98	100
Housing	72	89	100
Transportation	98	98	100
Utilities	104	101	100
Lifestyle & Entertainment	97	98	100
Household Items	100	99	100
Education & Childcare	97	98	100

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Homes For Sale In Bay City, WI

590th St

Isabelle, WI

Cost Of Living Quick Facts

The cost of living in Bay City is 5% lower than the Wisconsin average
The cost of living in Bay City is 9% lower than the national average
Bay City housing is 28% lower than the national average
Wisconsin general sales tax is 2% lower than the national average
Wisconsin state income tax is 36% higher than the national average

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Price difference in compared to

Cost of living index
Groceries index
Health care index
Housing index
Transportation index
Utilities index
Lifestyle index
Household index
Educare index

Median Income & Debt-To-Income Ratio

Median Income	Per Year	Per Month	Max Budget (28% DTI)	Max Budget (36% DTI)
Owners	$78,918	$6,577	$1,841	$2,368
Renters	$61,005	$5,084	$1,423	$1,830

Wisconsin Sales Tax

State	General Sales Tax	With Max Surtax
Wisconsin	5%	6.75%

Wisconsin Income Tax

State	Income Tax (Low)	Income Tax (High)
Wisconsin	3.54%	7.65%

Nearby cities with low cost of living

City	Population	Cost of Living Index	National Avg.
Plum City, WI	624	90	9.7%
Maiden Rock, WI	86	92	7.7%
Ellsworth, WI	3,384	95	5.1%
Frontenac, MN	197	98	2.4%
Bellechester, MN	161	98	1.9%
Bay City, WI	458	91	8.7%

Cities with similar population

City	Population	Cost of Living Index	National Avg.
Norman, AR	458	80	20.0%
Hamilton Branch, CA	458	130	29.8%
Bussey, IA	458	77	22.9%
Riverdale, IA	458	107	7.3%
Naplate, IL	458	88	12.1%
Bay City, WI	458	91	8.7%