Appreciation for MSAs:.

The first way to get a handle on an areas appreciation for a period is to compare it to the rest of the state.

In this case Bay City, Michigan MSA appreciated + 21.20% (+ 5.30% yearly) for the period between 1999 and the end of 2002.

The state had + 23.61% total appreciation (+ 5.90% yearly). The state average for Michigan was higher than the real estate appreciation in the Bay City, Michigan MSA. This shows that something happened in this area to cause it to underperform. If you can identify the cause during these years, you can learn to avoid it. The state appreaciated + 11.38% faster than this MSA.

Bay-City-MI

YearQuarterPrice IndexQuarter Increase or DecreaseAnnualized
1999 2 136.04 + 1.29% + 5.15%
1999 3 137.43 + 1.02% + 4.09%
1999 4 138.65 + 0.89% + 3.55%
2000 1 141.18 + 1.82% + 7.30%
2000 2 143.01 + 1.30% + 5.18%
2000 3 146.69 + 2.57% + 10.29%
2000 4 147.53 + 0.57% + 2.29%
2001 1 150.48 + 2.00% + 8.00%
2001 2 153.86 + 2.25% + 8.98%
2001 3 153.85 - 0.01% - 0.03%
2001 4 155.65 + 1.17% + 4.68%
2002 1 157.69 + 1.31% + 5.24%
2002 2 158.6 + 0.58% + 2.31%
2002 3 161.06 + 1.55% + 6.20%
2002 4 162.78 + 1.07% + 4.27%


There are a lot of ways to use the appreciation data for Bay City, Michigan .

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

Appreciation is an important factor in flipping properties. If appreciation rates are good this area may be prime for fixing up and flipping houses. If you need information on Hard Money Rehab Loans in Bentley, 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 $101,000.00 in 1999, you could multiply by + 21.20%, add the gain and see the home should be worth $122,409.20 in 2002. Home value is an important part of every mortgage transaction.


Average YEARLY Real Estate Appreciation for Bay-City-MI from 1999 to 2002:
+ 5.30%

Appreciation Comparisons

Here are a some MSAs that didn't do so well, this can give you an idea of a worst case scenario:.

  1. Casper-WY lost - 34.10% from 1983 thru 1986
  2. Casper-WY lost - 32.07% from 1984 thru 1987

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