Bay City, MI Homes for Sale under $400,000

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  /32

  $167,000

  $3K PRICE DROP

  • 3 Beds
  • 1 Bath
  • 1,316 Sq Ft

  2300 S Lincoln St, Bay City, MI 48708

  ***Seller is Offering $2,000 in Buyer Concessions!! Recently remodeled home in a quiet Bay City neighborhood. Updates include LVP flooring and fresh paint throughout. The kitchen boasts new cupboards, fridge, stove, countertops and sink. A recently installed bay view window provides stunning views of the peaceful surroundings. New light fixtures and outlets have been added on the main floor.

  

  Todd Fedie

  KW Realty Livingston

  

  2300 S Lincoln St, Bay City, MI 48708
• Explore Bay City

• 

  

  

  /29

  $324,900

  Coming Soon

  • 3 Beds
  • 2 Baths
  • 2,245 Sq Ft

  7401 W Ryan Ct, Bay City, MI 48706

  A must see . . . Discover the ultimate haven in Frankenlust Township, perfectly positioned between Bay City and Saginaw. Close proximity to SVSU, Delta College, shopping and dining. The main living areas are masterclass in open and spacious design, boasting stunning vaulted ceilings that will leave you in awe. This is the perfect sanctuary for family and friends to come together. The bedrooms are

  

  Lynn Moore

  Berkshire Hathaway HomeServices

  

  7401 W Ryan Ct, Bay City, MI 48706
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  /27

  $179,000

  • 4 Beds
  • 2 Baths
  • 2,027 Sq Ft

  301 Barn Dr, Bay City, MI 48706

  Rare opportunity to own a home on nearly 2 acres in desirable Bangor Township. This spacious 4-bedroom, 2-bath home offers over 2,000 square feet of living space and is tucked away on a short private drive, providing a peaceful, country-like setting while remaining just minutes from shopping, dining, and everyday conveniences. Recent updates include a new metal roof (2025), new gutters, and fresh

  

  Jeff Coates

  RE/MAX of Midland

  301 Barn Dr, Bay City, MI 48706
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  /29

  $129,000

  $11K PRICE DROP

  • 4 Beds
  • 1.5 Baths
  • 1,760 Sq Ft

  316 Howard St, Bay City, MI 48708

  Location is a Plus! The dead end makes it a quiet street. It is within walking distance to walk along the water to uptown and downtown Bay City. There is an alleyway driveway and parking on the street. Great View of the Bay City Fireworks in the summer! Large kitchen with an island bar & a dining room. Has a dry basement for lots of storage room. The first floor bedroom has a large closet and a

  

  Sue McKnight

  DeMark Real Estate

  

  316 Howard St, Bay City, MI 48708
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  /33

  $275,000

  $25K PRICE DROP

  • 4 Beds
  • 4 Baths
  • 2,643 Sq Ft

  808 N Birney St, Bay City, MI 48708

  Meticulous and detailed 99% restoration of this beautiful and architecturally significant 3-story Victorian home in Bay City's historic district. This is city living at its best. Enjoy a private backyard garden area, all new appliances in your well-appointed kitchen with granite countertops. Prepare to serve your guests in the formal dining room while using the amenities in the butler's pantry.

  Annette Jeske

  Bay Area Real Estate

  808 N Birney St, Bay City, MI 48708
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  /2

  $272,250

  • Land
  • 30.25 Acres
  • $9,000 per Acre

  0 Fisher Rd, Bay City, MI 48706

  Prime Development Opportunity – 30.25 Acres in Monitor Township Don’t miss this exceptional opportunity to develop 30.25 acres of flat, high-quality land in thriving Monitor Township. With four access points — including Fisher Road, two on Kasemeyer Road, and Grande Road — this property offers outstanding flexibility and connectivity for future development. Located in a growing residential area

  Jean Ann DeShano RE/MAX Results

  0 Fisher Rd, Bay City, MI 48706
• 

  

  /19

  $159,900

  • 3 Beds
  • 1 Bath
  • 1,024 Sq Ft

  39 Spruce Ridge Dr, Bay City, MI 48706

  Back on the market! The previous buyers got cold feet, which means this is your second chance to own a fantastic home! Whether you're looking for a place to call home or a great investment property, this one is definitely worth a look. This beautifully updated home has been improved from top to bottom, giving you quality, comfort, and peace of mind. Updates include new vinyl siding, a new roof,

  Brooke Bickerstaff Keller Williams Preferred

  39 Spruce Ridge Dr, Bay City, MI 48706
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  /20

  $244,900

  • 4 Beds
  • 1.5 Baths
  • 2,773 Sq Ft

  2432 Kopka Ct, Bay City, MI 48708

  Don't miss seeing this well-built 4 bedroom, 1 1/2 bath brick ranch located in a desirable South end Bay City court. Featuring an open floor plan, this home offers a perfect blend of comfort & functionality from living room to kitchen that is perfect for both everyday living & entertaining. The kitchen has mostly newer appliances and ample space for a table. The full partially finished basement

  Nancy Glaza Century 21 Signature Realty - Bay City

  2432 Kopka Ct, Bay City, MI 48708
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  /19

  $120,000

  $9K PRICE DROP

  • 3 Beds
  • 1 Bath
  • 1,422 Sq Ft

  110 Marquette St, Bay City, MI 48706

  Step into the timeless charm of this lovely, historical Craftsman-style home, offering 3 spacious bedrooms and 1,422 sq ft of beautifully preserved character. From the moment you arrive, the classic architecture and inviting front porch set the tone for relaxed living and warm gatherings. Inside, you’ll find gleaming hardwood floors, rich wood details, and sunlit rooms that blend vintage

  Wade Eckenrod RE/MAX Results

  110 Marquette St, Bay City, MI 48706
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  /20

  $105,000

  Open Sun 1PM - 2:30PM $10K PRICE DROP

  • 2 Beds
  • 1 Bath
  • 1,233 Sq Ft

  1804 S Kiesel St, Bay City, MI 48706

  Charming 2 bedroom , 1 bath home with a spacious bonus room upstairs offering flexible living space! This Bay City home features updated electrical, plumbing, vinyl windows and plenty of potential for a first time home buyer, investor, or anyone looking to enjoy affordable living near the heart of town. Conveniently located close to downtown Bay City, the Riverwalk, Wenonah Park, great local

  Dan Matthews Berkshire Hathaway HomeServices, Bay City

  1804 S Kiesel St, Bay City, MI 48706
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  /18

  $149,000

  $16K PRICE DROP

  • 4 Beds
  • 1.5 Baths
  • 1,999 Sq Ft

  705 S Hampton St, Bay City, MI 48708

  Charming 4-bedroom bungalow near Hewitt Park. This home features 1.5 baths with a upstairs lavatory. Second floor offers two spacious bedrooms with extensive built-in storage. First floor includes a four-piece bath and beautifully finished eat-in kitchen with abundant storage. Partially finished basement. Enjoy the mostly fenced yard and 1+ car detached garage. This gem won't last long, schedule

  Caleb Raymaker Century 21 Signature Realty - Bay City

  705 S Hampton St, Bay City, MI 48708
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  /37

  $239,700

  • 3 Beds
  • 1.5 Baths
  • 2,268 Sq Ft

  1974 W Youngs Ditch Rd, Bay City, MI 48708

  Inviting and well kept Brick Ranch home in Hampton Township on nearly .50 acre lot. Convenient location near schools and shopping. Hardwood floors though out the home plus fresh paint and newer carpet. Full basement is partially finished with a family room and fireplace plus a bar area complete with pool table. Roof is brand new in June 2026. Newer furnace and some updated plumbing. Large fenced

  Michael Meehleder Ayre/Rhinehart Bay REALTORS

  1974 W Youngs Ditch Rd, Bay City, MI 48708
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  /29

  $389,900

  $20K PRICE DROP

  • 2 Beds
  • 2 Baths
  • 1,258 Sq Ft

  9 E Main St #303 St, Bay City, MI 48708

  Experience the pinnacle of maintenance-free living in the heart of Uptown Bay City with this impressive third-floor residence. Designed for those who value both luxury and convenience, the home boasts a grand open floor plan accentuated by soaring 10-foot ceilings and premier fixtures. Step out onto your private 144-square-foot balcony to take in spectacular views of the river and the vibrant

  James Diedrich Ayre/Rhinehart Bay REALTORS

  9 E Main St #303 St, Bay City, MI 48708
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  /22

  $205,000

  • 5,901 Sq Ft

  316 S Henry St, Bay City, MI 48706

  Seize this incredible investment opportunity in a prime location! This commercial building is already underway with renovations started—saving you time and giving you a head start on bringing your vision to life. Designed with flexibility in mind, the space can be adapted for a variety of uses including retail, office, restaurant, or service-based business. Finish it to your specifications and

  Rebecca Roth Hamady Robinson, REALTORS®

  

  316 S Henry St, Bay City, MI 48706
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  /23

  $109,900

  • 3 Beds
  • 1 Bath
  • 1,018 Sq Ft

  409 Harvard St, Bay City, MI 48708

  Welcome home to this move-in ready 3-bedroom, 1-bath single-story Cape Cod, nestled in the highly desirable and lower-tax Hampton Township (Bay City School District)! Offering the perfect blend of cozy charm and daily convenience, this property is ready for its next owner to move right in on closing day with immediate possession. Interior Highlights: Beautiful Flooring: Step inside to warm,

  Robert Struck RE/MAX Results

  409 Harvard St, Bay City, MI 48708
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  /28

  $249,900

  • 3 Beds
  • 2.5 Baths
  • 1,924 Sq Ft

  2916 Bangor Rd, Bay City, MI 48706

  Perfectly positioned in one of Bangor Township's most desirable locations, this well-maintained home is just minutes from the boat launch, within walking distance of Saginaw Bay, and less than a mile from the Rail Trail. Offering over three levels of living space, you'll find 3 bedrooms, 2.5 bathrooms, a spacious living room, cozy family room with a gas log fireplace, plus a finished rec room in

  Robin Yost RE/MAX Results

  2916 Bangor Rd, Bay City, MI 48706
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  /3

  $149,999

  • Land
  • 29,185 Sq Ft
  • $223,879 per Acre

  6543 Westside Saginaw Rd, Bay City, MI 48706

  Corner Lot is available for your business! Land Contract Terms and Land Lease terms are Available. Call listing agent for more details. Westside Saginaw Rd (M-84) is 1/4 mile west of the I-75 exit. This property is flat and dry and is on the east side of Westside Saginaw (M-84) divided hwy. Great location with proximity to I-75, Bay Valley Golf Club, SVSU, restaurants, and hotels. Dollar General

  Crystal Harlow MC Realty Group, Inc

  

  6543 Westside Saginaw Rd, Bay City, MI 48706
• 

  

  /19

  $364,000

  • 15,000 Sq Ft

  301 E Midland St, Bay City, MI 48706

  Prime mixed-use investment opportunity located in Bay City’s vibrant Midland Street District. This historic 15,000 sq ft building features five street-level retail storefronts and a second floor offering substantial redevelopment potential. One storefront is currently leased at $850 per month plus utilities, with four additional storefronts available for lease-up. Each unit is separately metered

  Joseph Delia Keller Williams Paint Creek

  

  301 E Midland St, Bay City, MI 48706
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  /54

  $349,900

  Open Sun 1PM - 3PM

  • 4 Beds
  • 2.5 Baths
  • 2,707 Sq Ft

  1010 6th Street 6th St, Bay City, MI 48708

  Newly renovated historic Bay City duplex with updated modern appliances, granite countertops, LVP+ flooring, freshly painted interior and exterior with two laundry rooms, new concrete double car driveway with a block wall around the corner lot with flagstone, stamped concrete, and koi pond. Outdoor kitchen with propane grill and natural stone fireplace. Two newly renovated porches and a fully

  Gary Hamilton Dollinger & Company, Inc.

  

  1010 6th Street 6th St, Bay City, MI 48708
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  /8

  $374,900

  New Construction $50K PRICE INCREASE

  45 OR 47 Cove Dr, Bay City, MI 48706

  45 OR 47 COVE DRIVE. NEW CONSTRUCTION – NOT YET BUILT Save Thousands with the NEZ Program! This condo qualifies for the Neighborhood Enterprise Zone, giving you property tax reductions for the first 15 years approximately 50% REDUCTION! Crafted by Mid-Michigan Builders, Iron Bridge at Wheeler’s Landing is Designed for Waterfront Living Welcome to Iron Bridge at Wheeler’s Landing — Bay City’s

  Jean Ann DeShano RE/MAX Results

  45 OR 47 Cove Dr, Bay City, MI 48706
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  /37

  $129,000

  • 3 Beds
  • 1.5 Baths
  • 1,232 Sq Ft

  1013 S Jackson St, Bay City, MI 48708

  Welcome home to this well-maintained, move-in ready two-story home located in an established neighborhood surrounded by NICE homes. Offering 3 spacious bedrooms, 1.5 baths, and an abundance of living space, this home is perfect for those looking for comfort, character, and functionality. Step inside to a large living room featuring a cozy wood-burning fireplace, perfect for relaxing evenings. The

  Jean Ann DeShano RE/MAX Results

  1013 S Jackson St, Bay City, MI 48708
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  /40

  $169,000

  • 3 Beds
  • 1.5 Baths
  • 1,196 Sq Ft

  600 W Jenny St, Bay City, MI 48706

  HOME IS BACK ON THE MARKET. DEAL FELL APART. This home offers a functional layout ranch with three bedrooms and one and a half baths, full basement and a fenced in yard and a covered patio. Large windows give you a bright and spacious living room. Hardwood floors in all three bedrooms. Wood burning fireplace in basement family room area. All major expenses have been taken care of including new

  Mike Slezak Century 21 Signature Realty - Bay City

  600 W Jenny St, Bay City, MI 48706
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  /53

  $299,900

  $15K PRICE DROP

  • 4 Beds
  • 2.5 Baths
  • 2,300 Sq Ft

  700 N Van Buren St, Bay City, MI 48708

  Timeless character meets endless potential in this stunning historic home. Featuring 4 spacious bedrooms and 2 full bathrooms, this property showcases classic charm with unique architectural details throughout, including a rare second staircase that adds both function and elegance. The home offers a large attic space perfect for future expansion, storage, or creative use. Outside, you’ll find an

  Shawn McNeil HOMEFLO

  

  700 N Van Buren St, Bay City, MI 48708
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  /25

  $225,900

  $4K PRICE DROP

  • 3 Beds
  • 1.5 Baths
  • 1,415 Sq Ft

  2720 22nd St, Bay City, MI 48708

  Step inside to this charming brick ranch in Portsmouth Twp, situated on over half an acre. This 3 bedroom, 1.5 bathroom home offers the perfect blend of updates, space, and functionality. Inside, you'll find beautiful hardwood floors spanning throughout the main level, a newly updated kitchen that features marble countertops, stylish tile backsplash, tile flooring, and modern finishes with all

  The Daily-Brookh Team RE/MAX Results

  2720 22nd St, Bay City, MI 48708
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  /52

  $142,900

  • 3 Beds
  • 1.5 Baths
  • 1,441 Sq Ft

  912 N Mclellan St, Bay City, MI 48708

  Turn of the century glam abounds throughout this historic charmer along with plenty of modern conveniences such as a stylish bathroom remodel, and updated windows & furnace! The main level offers a seamless flow and is an entertainer's dream! One of the three bedrooms are on the 1st floor and adjoins the half bath. Upstairs you'll find two additional bedrooms, the full bathroom, and abundant

  Shelley Niedzwiecki Ayre/Rhinehart Bay REALTORS

  912 N Mclellan St, Bay City, MI 48708
• 

  

  /3

  $120,000

  Coming Soon

  • 4 Beds
  • 1 Bath
  • 1,560 Sq Ft

  520 S Birney St, Bay City, MI 48708

  Welcome to this charming 4 bed 2 bath corner lot, featuring a 1 car detached garage. This home features a beautiful fireplace in the living room for cozy evenings. Enjoy the covered front porch for those beautiful Summer days.

  Drew Pursley Gateway Brokerage

  

  520 S Birney St, Bay City, MI 48708
• 

  

  /22

  $289,900

  • 3 Beds
  • 2 Baths
  • 1,676 Sq Ft

  2938 Noreen Dr, Bay City, MI 48706

  High demand Monitor Township 3 bedroom 2 full bath brick ranch with large yard and 2 car attached garage. All major items have been updated and home features hardwood plus ceramic flooring, fireplace in living room, formal dining, whole house generator plus so much more!

  John Reminder RE/MAX Results

  2938 Noreen Dr, Bay City, MI 48706
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  /20

  $144,900

  $25K PRICE DROP

  • 4 Beds
  • 2 Baths
  • 1,597 Sq Ft

  1813 3rd St, Bay City, MI 48708

  Whether you're looking to expand your rental portfolio or purchase your first income-producing property, this Certified Rental duplex offers a compelling investment opportunity in one of Bay City's established rental markets. Conveniently located just minutes from Downtown Bay City, near Carol Park and the Johnson Street Business District, this property provides strong rental appeal with easy

  Chance Owen Bay Realty Michigan

  

  1813 3rd St, Bay City, MI 48708
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  /35

  $169,900

  • 3 Beds
  • 2 Baths
  • 1,384 Sq Ft

  986 Pine Rd, Bay City, MI 48706

  A beautifully remodeled 3-bedroom, 2-bath ranch offering true move-in ready convenience. This home features a bright, open-concept layout with cathedral ceilings, skylights, and large windows that fill the space with natural light. The updated kitchen showcases stainless steel appliances, modern finishes, and flows seamlessly into the main living areas. Fresh paint and new flooring run throughout

  Jason Snider Michigan Elite Realty

  

  986 Pine Rd, Bay City, MI 48706
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  /29

  $142,500

  • 3 Beds
  • 1.5 Baths
  • 1,713 Sq Ft

  1703 30th St, Bay City, MI 48708

  Are your Buyers Searching for a Beautiful, Southend Home? Then Search no Further. This 3 Bedroom, 1.5 Bath Property is Waiting for Them to Fall in Love! Some of the Major 2013 Updates Include; Kitchen Remodel/Stainless Steel Appliances, New/Front Porch, Roof & Plumbing. 2023; Hot Water Heater, 2025; CA Condenser & Garage/Electric. B Dry was Installed by Prior Owner in Full/Partially Finished

  Bonnie Roe RE/MAX Results

  1703 30th St, Bay City, MI 48708
• 

  

  /20

  $289,900

  • 4 Beds
  • 1.5 Baths
  • 2,676 Sq Ft

  210 Pendleton St, Bay City, MI 48708

  Room to grow with a backyard made for Summer! If space is what you're looking for this charming brick 1 1/2 story home delivers. Over 2100 sq ft, 4 bedrooms & 1 1/2 baths. This home combines character, comfort and endless possibilities. Living room features a gas fireplace & the generous sized kitchen provides lots of room for everyday meals & all those gatherings. Outside you'll love spending

  Nancy Glaza Century 21 Signature Realty - Bay City

  210 Pendleton St, Bay City, MI 48708
• 

  

  /23

  $231,900

  • 3 Beds
  • 1.5 Baths
  • 1,680 Sq Ft

  3626 Kawkawlin River Dr, Bay City, MI 48706

  Bangor Township beauty with a view of the Kawkawlin River. This 3 bedroom 1.5 bath ranch is ready for its new owners. Plenty of room to roam on a huge private 96x300 lot including a heated 24x28 out building with new insulation, drywall, flooring and wall furnace. Large overhang perfect for entertaining. New pellet burning stove to keep the home toasty on those cold winter days. New recess

  Jeremy Owen Bay Realty Michigan

  

  3626 Kawkawlin River Dr, Bay City, MI 48706
• 

  $369,990

  New Construction $9K PRICE DROP

  • 5 Beds
  • 3 Baths
  • 2,180 Sq Ft

  2333 Pebble Creek Ct, Bay City, MI 48706

  5 Beds | 3 Baths | 2-Bay | 2,180 Sq. Ft.

  Century Complete Builder

  2333 Pebble Creek Ct, Bay City, MI 48706
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  /3

  $135,000

  $14K PRICE DROP

  • 3 Beds
  • 1 Bath
  • 1,456 Sq Ft

  208 34th St, Bay City, MI 48708

  Open House Sunday April 19. 2-4 pm

  Antonio Deleone The Brand Real Estate

  

  208 34th St, Bay City, MI 48708
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  /33

  $195,000

  $45K PRICE DROP

  • 1 Bed
  • 3 Baths
  • 2,700 Sq Ft

  512 Germania St, Bay City, MI 48706

  Charming RM-1 zoned residential property with versatile home occupation use, perfect for live-work lifestyles! This unique home features 1 bedroom, a modern kitchen, 1 full bath, 2 half baths, a cozy living room, and a spacious recreational room. The property includes a studio currently setup as a barbershop, ideal for entrepreneurs. Enjoy ample parking and a large pole barn for additional

  Seth Vendelboe NextHome Greater Tri-cities

  

  512 Germania St, Bay City, MI 48706
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  /24

  $114,900

  • 4 Beds
  • 1 Bath
  • 1,952 Sq Ft

  1112 Michigan Ave, Bay City, MI 48708

  This is a BIG HOUSE! Extra half-bath in the basement! First floor laundry! Garage! Spacious 4-bedroom home (could be a 5 bedroom) offering nearly 2,000 square feet of living space with plenty of potential. The home features a flexible layout with a pass-through bonus room that could serve as an office, nursery, playroom, or additional living space. This classic home offers large rooms and the

  Chris Craves Gold Pine Real Estate

  1112 Michigan Ave, Bay City, MI 48708
• 

  

  /22

  $196,900

  $3K PRICE DROP

  • 3 Beds
  • 2 Baths
  • 2,090 Sq Ft

  110 N Madison Ave, Bay City, MI 48708

  Turnkey, fully renovated duplex offering immediate cash flow and long-term investment potential just minutes from Downtown Bay City. Professionally renovated by a licensed builder, this income-producing property combines quality craftsmanship with low-maintenance ownership. Both units have been extensively updated with new flooring and windows, creating clean, modern living spaces that continue

  Chance Owen Bay Realty Michigan

  

  110 N Madison Ave, Bay City, MI 48708
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  /52

  $324,900

  • 5 Beds
  • 2.5 Baths
  • 4,698 Sq Ft

  601 N Van Buren St, Bay City, MI 48708

  Timeless Victorian charm meets modern day comfort. Step into the perfect blend of historic elegance and contemporary convenience in this meticulously maintained Victorian home. Rich in original character and architectural detail, this stunning residence offers 5 spacious bedrooms and 2.5 bathrooms, providing ample room for family living, entertaining, and everyday comfort. From the moment you

  Jeremy Owen Bay Realty Michigan

  

  601 N Van Buren St, Bay City, MI 48708
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  /32

  $363,900

  $1K PRICE DROP

  • 3 Beds
  • 2.5 Baths
  • 3,526 Sq Ft

  5629 Firethorne Dr, Bay City, MI 48706

  Rare opportunity to own one of the largest stand-alone condos in Cortland Farms South. With over 3,500 square feet of finished living space, this home gives you the ease of condo living without feeling like you had to give up the space of a traditional home. Set in a quiet pond-side location, the views and natural light are beautiful. The main floor features a spacious primary suite with private

  Kristi Lambert Ayre/Rhinehart Bay REALTORS

  5629 Firethorne Dr, Bay City, MI 48706
• 

  

  /20

  $100,000

  $25K PRICE DROP

  • 3 Beds
  • 1.5 Baths
  • 1,200 Sq Ft

  804 19th St, Bay City, MI 48708

  This 1,200 square foot 3 bedroom 1 & 1/2 bath home with basement and 1.5 car garage new in 2025 with fenced yard that has been freshly seeded. Formal dining and eat-in kitchen, 1 first floor bedroom, 1st floor up-dated laundry, most windows replaced, central air and a full front porch! Newer roof too.

  Cindy Sinicki Cindy Sinicki Realty

  804 19th St, Bay City, MI 48708

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