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 + 25.65% (+ 8.55% yearly).

All of the property in MI averaged + 22.51% change in value (+ 7.50% 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%
1997 1 118.32 + 1.42% + 5.69%
1997 2 120.24 + 1.62% + 6.49%
1997 3 123.76 + 2.93% + 11.71%
1997 4 125.65 + 1.53% + 6.11%


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

Lets look at Bentley, 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 Bentley, Michigan Refinance, or Bentley, Michigan Reverse Mortgages, you could estimate your home value.

If you knew your Bentley, Michigan home was worth $92,000.00 in 1995, you could multiply by + 25.65%, add the gain and see the home should be worth $115,598.00 in 1997. Home value is an important part of every mortgage transaction.


Average YEARLY Real Estate Appreciation for Bay-City-MI from 1995 to 1997:
+ 8.55%

Appreciation Comparisons

In contrast, the worst 5 MSAs from 1995 to 1997 were Honolulu-HI, Utica-Rome-NY, Odessa-TX, Laredo-TX, and Madera-CA .

  1. Honolulu-HI decreased by - 12.82% between 1995 and 1997
  2. Utica-Rome-NY decreased by - 6.03% between 1995 and 1997
  3. Odessa-TX decreased by - 0.73% between 1995 and 1997
  4. Laredo-TX decreased by - 0.27% between 1995 and 1997
  5. Madera-CA decreased by - 0.18% between 1995 and 1997

The worst perfoming MSAs ever for a 3 year period, were Grand-Junction-CO, Lafayette-LA, Honolulu-HI, Fairbanks-AK, and Lafayette-LA .

  1. Grand-Junction-CO lost - 34.69% from 1983 to 1985
  2. Lafayette-LA lost - 31.84% from 1985 thru 1987
  3. Honolulu-HI lost - 30.81% from 1979 thru 1981
  4. Fairbanks-AK lost - 29.16% from 1987 thru 1989
  5. Lafayette-LA lost - 28.50% from 1986 thru 1988

Zip Code in MSA: 48613 - BENTLEY, MI

MSA Pop: 109452
Zip Pop: 1129
Avg Value: 69000
County: BAY
Elev: 594
Region: Midwest
Lat: 43.936029
Long: -84.115118