Bay City Homes under $500,000

Bay City Homes under $500,000

Welcome to Bay City, Michigan, a charming waterfront community nestled along the banks of the Saginaw River. Known for its rich history, vibrant arts scene, and friendly atmosphere, Bay City offers a unique blend of small-town charm and modern conveniences. With its picturesque parks, bustling downtown, and scenic waterfront, this city is perfect for families, retirees, and anyone looking to embrace a relaxed lifestyle.

Bay City boasts a diverse real estate market, and for those seeking homes under $500,000, you’ll find a delightful selection of properties that cater to various tastes and needs. From cozy bungalows to spacious family homes, the options are plentiful. Many of these residences feature inviting outdoor spaces, perfect for enjoying the beautiful Michigan seasons. Imagine sipping your morning coffee on a sunlit porch or hosting summer barbecues in your own backyard oasis.

In addition to the affordable housing market, Bay City is celebrated for its strong sense of community. Residents enjoy numerous local festivals, farmers' markets, and cultural events throughout the year, making it easy to connect with neighbors and create lasting friendships. With a low cost of living and access to excellent schools and amenities, Bay City is an ideal location for those looking to settle down without breaking the bank.

Whether you’re a first-time homebuyer or looking to downsize, Bay City has something for everyone. Experience the warmth and charm of this wonderful city—your dream home awaits!

Newest Bay City Homes under $500,000

805 19th Street, Bay City
$89,900
4 Beds ⋅ 1 Baths ⋅ 50223710 MLS
Welcome home to this versatile and thoughtfully updated residence situated on a larger-than-average city lot. Stepping inside, you are greeted by an expansive living room featuring fresh carpeting and a cozy gas fireplace—the perfect anchor for everyday relaxing and hosting. The heart of the home features a nicely updated kitchen designed for effortless meal prep. With four bedrooms, including two conveniently located on the main level, this layout offers exceptional flexibility for any lifestyle. The main floor updated bathroom is highlight-worthy, complete with a contemporary, accessible walk-in shower. Out back, the property continues to impress with an extra-large garage that offers far more than standard parking. Behind the garage, discover an adaptable additional room ideal for a private workshop, dedicated storage, or a vibrant playroom. Below, the classic Michigan basement delivers reliable utility and extra space for all your storage needs. Combining prime outdoor space with move-in-ready comfort, this home is ready for its next chapter.

805 19th Street, Bay City
1014 17th Street, Bay City
$129,900
3 Beds ⋅ 2 Baths ⋅ 50223631 MLS
3 bed 1 bath ranch home ranch home on corner lot with fence in area large det garage full basement with family room wood floors in all bedrooms. put you personal touches on it with some cosmetic repairs and call it yours

1014 17th Street, Bay City
708 Nebobish Avenue, Bay City
$110,000
3 Beds ⋅ 2 Baths ⋅ 50223614 MLS
Welcome to this charming 3-bedroom, 2-bath home on Nebobish Ave in Bay City, conveniently located near Essexville, Carroll Park, and Downtown Bay City. This home offers a spacious main floor featuring a large living room and dining area with beautiful wood flooring, perfect for everyday living and entertaining. The layout includes one main-floor bedroom, with an additional 1-3 bedrooms upstairs that offer flexible space for family, guests, or a home office. The dry, open basement provides great potential for future finishing or extra storage. Outside, you’ll find a generously sized yard—rare for a city lot—along with a 1-car garage. Additional highlights include central air, a newer furnace, and various updates throughout the home. A great opportunity to own a well-located home with room to grow!

708 Nebobish Avenue, Bay City
202 Ingraham Street, Bay City
$149,900
4 Beds ⋅ 2 Baths ⋅ 50223560 MLS
Welcome to this spacious and completely remodeled home in a nice Bay City neighborhood! Offering 1,759 square feet of beautifully updated living space, this move-in-ready home features 4 large bedrooms with the possibility of a 5th bedroom if needed, along with 1.5 bathrooms. Every bedroom offers generous space and tall ceilings, while the main floor primary bedroom and main floor laundry provide added convenience. This home has truly been updated from top to bottom with a brand-new roof, all new drywall and paint, new paneling, new flooring throughout, including new carpet and LVP, and updated electrical. The completely remodeled kitchen features brand-new cabinets, countertops, and appliances, while the bathroom has been updated with new toilets, fixtures, and finishes. Central air and vinyl siding add to the home's comfort and low-maintenance appeal. Outside, you'll find a fenced-in yard offering a great space for pets, entertaining, or relaxing. The Michigan basement provides valuable additional storage space. With so many improvements, this home is truly "new, new, new!" and ready for its next owner. Don't miss this opportunity to own a spacious, extensively remodeled home with immediate possession available. Move right in and enjoy! Must see!

202 Ingraham Street, Bay City
1704 Pulaski Street, Bay City
$79,900
2 Beds ⋅ 1 Baths ⋅ 50223538 MLS
This 2-bedroom, 1-bathroom home on Pulaski Street offers 604 square feet of efficient, well-planned living on a 50x100 lot. Hardwood floors set the tone in the living room, and the washer and dryer have their own space at the back of the house. The furnace was replaced in 2023, so one of the larger systems is already updated. The detached one-car garage adds covered parking and storage. It's a manageable footprint with practical updates in place. Schedule your private showing today!

1704 Pulaski Street, Bay City
2015 7th Street, Bay City
$119,000
4 Beds ⋅ 3 Baths ⋅ 50223501 MLS
Welcome to this charming 4-bedroom, 2.5-bath home nestled in the heart of Bay City’s historic district, where timeless character meets endless potential. As you step inside, you’ll immediately notice the oversized front porch/sunroom—a wonderful space to relax, enjoy your morning coffee, or welcome guests. Inside, the home showcases beautiful 9-foot ceilings and a wood-burning fireplace in the living room, adding warmth and character to the space. The first- and second-floor bathrooms feature updated finishes, while the upstairs hallway and staircase are filled with beautiful natural light from the skylights above. A first-floor laundry adds convenience and functionality to the home. The kitchen and dining room offer a great opportunity for customization. An attached garage provides added convenience, with a loft above offering additional storage or potential flexible-use space. Outside, enjoy the privacy of a fenced-in backyard—perfect for relaxing, entertaining, gardening, or enjoying time outdoors. This home has so much potential and is ready for its next owner to make it their own while preserving and celebrating the historic beauty and character that make it special. If you appreciate older homes, architectural charm, and the opportunity to create a space that reflects your own style, this home is ready and priced to sell.

2015 7th Street, Bay City
307 Mcgraw Street, Bay City
$159,900
2 Beds ⋅ 1 Baths ⋅ 61034707 MLS
This well-maintained home offers a fantastic combination of comfort, functionality, and versatile entertaining space. Inside, you'll find new flooring throughout, updated windows in the living room and bathroom, and a bright kitchen featuring brand-new appliances and a new window above the sink. The property sits on two parcels, providing added space and flexibility. Outside, the property truly stands out with two garages. One serves as a traditional garage, while the second is an incredible multi-purpose shop and entertainment space complete with its own bathroom, heating, and air conditioning--perfect for hosting guests, pursuing hobbies, or creating the ultimate workspace. Conveniently located with easy access to the expressway, this unique property offers versatile spaces both inside and out. A must-see!

307 Mcgraw Street, Bay City
2714 Fairfield Drive, Bay City
$275,000
3 Beds ⋅ 2 Baths ⋅ 61034908 MLS
Welcome to 2714 Fairfield! This home offers the perfect combination of character, space, and updates, all situated on approximately half an acre with a fully fenced backyard built for making memories. Outside, you'll find an impressive 20x40 saltwater Beattie pool featuring both shallow and deep ends, including an approximately 11-foot deep end and 36,000-gallon capacity -- an incredible setup for summer entertaining! Inside, the home is filled with warmth and charm, featuring real hardwood floors, including beautifully refinished bedroom floors, multiple fireplaces, and plenty of room to spread out. A spacious second living area provides the perfect bonus space for a family room, playroom, entertaining area, or whatever fits your lifestyle. The full bathroom has been beautifully remodeled, while the furnace and hot water system were updated in approximately 2022. The basement offers tall ceilings and additional space with plenty of potential for storage, recreation, or future use. From the expansive fenced yard and garden space to the incredible pool and character throughout, 2714 Fairfield offers a rare amount of space both inside and out. Come see everything this home has to offer!

2714 Fairfield Drive, Bay City
2700 N Vanburen Street, Bay City
$165,000
4 Beds ⋅ 2 Baths ⋅ 50223423 MLS
Welcome to 2700 N VanBuren, ideally situated on the border of Bay City and Essexville! This spacious 1,862 sq ft home offers 4 bedrooms, 2 full baths, and a full basement, all nestled on a desirable corner lot with convenient driveway access from the alley. The home beautifully blends classic character with numerous updates and improvements. The main floor features 9-ft ceilings, beautiful French doors, a decorative fireplace in the living room, and a spacious kitchen offering an abundance of cabinetry and countertop space. You'll also find a convenient first-floor laundry hookup, an updated full bathroom, and a first-floor bedroom with direct access to the bathroom which is wheel chair accessible if needed—providing flexibility for guests, family, or one-level living. Upstairs are 3 generously sized bedrooms, offering walk-in closet space, along with another updated full bathroom. The full basement provides plenty of additional room for storage, hobbies, or future use. Numerous updates provide peace of mind, including a new roof in 2024, exterior painted in 2025, updated electrical and plumbing, newer drain tile added around perimeter of the home, and a completely insulated attic with blown-in insulation throughout the walls. Step outside and enjoy the impressive 23x14 covered front porch or unwind on the 25x13 rear deck overlooking the yard. The property also features an apple tree, magnolia tree, and a fence lined with beautiful lilac trees, creating a charming outdoor setting. A storage shed provides convenient space for lawn equipment and additional storage. A wonderful combination of character, space, updates, and outdoor living in a convenient Bay City/Essexville location!

2700 N Vanburen Street, Bay City
1004 Joseph Street, Bay City
$149,900
3 Beds ⋅ 1 Baths ⋅ 50223422 MLS
Welcome home to 1004 Joseph Street, a beautifully updated 3-bedroom, 1-bathroom move-in ready home in Bay City, MI. Step inside to an inviting living area centered around a cozy fireplace, surrounded by fresh modern updates and stylish finishes throughout. Outside features a large, full fenced backyard offering ideal privacy and plenty of room for pets, play, or outdoor entertaining. All conveniently located just minutes from local parks, schools, and downtown Bay City.

1004 Joseph Street, Bay City
206 S Mountain Street, Bay City
$129,900
4 Beds ⋅ 2 Baths ⋅ 50223413 MLS
More space than you might expect! This charming brick Cape Cod offers 4 bedrooms, 1.5 baths and plenty of room to make your own. Step inside to find hardwood floors, a comfortable living area and a functional layout with space that extends beyond the main level. The partially finished basement adds even more flexibility for a family room, recreation space, home office or hobbies, while additional unfinished space provides plenty of storage. Outside, enjoy a manageable backyard, storage shed and 1-car garage. Conveniently located on Bay City's west side near shopping, dining and everyday amenities. If you've been looking for a home with character, extra space and plenty of potential.

206 S Mountain Street, Bay City
214 S Mountain Street, Bay City
$129,900
3 Beds ⋅ 2 Baths ⋅ 50223412 MLS
Classic Cape Cod charm with updates where they count! Welcome to 214 S Mountain St, a 3-bedroom, 1.5 bath home filled with character, including hardwood floors, arched doorways, built-ins and a wood-burning fireplace that anchors the bright living room. The functional floor plan offers comfortable living spaces, while the enclosed rear porch provides additional flexibility overlooking the backyard. Outside, enjoy a deck, manageable yard and detached 1car garage. Major improvements include a new sewer line, plus a well-maintained furnace and central air for year-round comfort. Conveniently located on Bay City's west side with easy access to shopping, dining and everyday amenities

214 S Mountain Street, Bay City
Start Your Search