Appreciation for MSAs:.

Before we disect the appreciation within the MSA for this period, lets consider how Bay City, Michigan did compared to the state as a whole.

The Bay City, Michigan MSA property value change was + 16.66% (+ 8.33% yearly).

All of the property in MI averaged + 14.19% change in value (+ 7.10% yearly).

Bay-City-MI

YearQuarterPrice IndexQuarter Increase or DecreaseAnnualized
1995 2 102.81 + 2.81% + 11.24%
1995 3 104.28 + 1.43% + 5.72%
1995 4 109.07 + 4.59% + 18.37%
1996 1 109.67 + 0.55% + 2.20%
1996 2 112.44 + 2.53% + 10.10%
1996 3 114.19 + 1.56% + 6.23%
1996 4 116.66 + 2.16% + 8.65%


Some of the ways peope use our appreciation data for Bay City, Michigan include real estate investment .

Lets look at Auburn, Michigan, a city located in Bay City, Michigan MSA.

Appreciation is an important factor in fixing/rehabbing and flipping properties. If appreciation rates are good this area may be prime. If you need information on a Hard Money Rehab Loan in Michigan check out Spec-Loan.com

If you were going to do a Auburn, Michigan Refinance, or Auburn, Michigan Reverse Mortgages, you could estimate your home value.

If you knew your Auburn, Michigan home was worth $91,000.00 in 1995, you could multiply by + 16.66%, add the gain and see the home should be worth $106,160.60 in 1996. Home value is an important part of every mortgage transaction.


Average YEARLY Real Estate Appreciation for Bay-City-MI from 1995 to 1996:
+ 8.33%

Appreciation Comparisons

The worst 5 MSAs from 1995 to 1996 were Honolulu-HI, Cumberland-MD-WV, Utica-Rome-NY, Binghamton-NY, and Madera-CA .

  1. Honolulu-HI decreased by - 7.92% between 1995 and 1996
  2. Cumberland-MD-WV decreased by - 4.44% between 1995 and 1996
  3. Utica-Rome-NY decreased by - 4.03% between 1995 and 1996
  4. Binghamton-NY decreased by - 3.46% between 1995 and 1996
  5. Madera-CA decreased by - 3.21% between 1995 and 1996

For a 2 year period, the top 5 performing MSAs of all time are Fort-Walton-Beach-Crestview-Destin-FL, Naples-Marco-Island-FL, Bakersfield-CA, Visalia-Porterville-CA, and Phoenix-Mesa-Scottdale-AZ .

  1. Fort-Walton-Beach-Crestview-Destin-FL increased + 64.61% from 2004 thru 2005
  2. Naples-Marco-Island-FL increased + 64.37% from 2004 thru 2005
  3. Bakersfield-CA increased + 63.04% from 2004 thru 2005
  4. Visalia-Porterville-CA increased + 62.28% from 2004 thru 2005
  5. Phoenix-Mesa-Scottdale-AZ increased + 60.78% from 2004 thru 2005

The worst perfoming MSAs ever for a 2 year period, were Honolulu-HI, Casper-WY, Grand-Junction-CO, Lafayette-LA, and Anchorage-AK .

  1. Honolulu-HI lost - 49.13% from 1980 to 1981
  2. Casper-WY lost - 27.70% from 1986 thru 1987
  3. Grand-Junction-CO lost - 26.25% from 1984 thru 1985
  4. Lafayette-LA lost - 25.36% from 1986 thru 1987
  5. Anchorage-AK lost - 24.89% from 1986 thru 1987

Zip Code in MSA: 48611 - AUBURN, MI

MSA Pop: 109452
Zip Pop: 5884
Avg Value: 98300
County: BAY
Elev: 594
Region: Midwest
Lat: 43.618219
Long: -84.088957