Where Bay City's Market Stands — Now

Real data  ·  Local insight  ·  Updated weekly

Bay City Property Group
Bay City Property Group
Week of
June 29 – July 5, 2026

Broker's Post

BUYER'S MARKET — RATES EASING, INVENTORY STEADY
Rates
30-Yr Fixed 6.43% -0.16%
FHA 30-Yr 6.29% 0.04%
15-Yr Fixed 5.79% -0.23%
Bay City DOM 82 180-day avg
Active 139 current inventory
Bay City Market Pulse
Median Sale Price
$219,895
Slight increase based on 180-day sold data
New Listings This Week
5
0 compared with the previous 7-day reporting period
Pending Sales
5
0 compared with the previous 7-day reporting period
Closed This Week
5
+2 compared with the previous 7-day reporting period
Avg Price / Sq Ft
$129.60
Slight decrease based on 180-day sold homes
List-to-Sale Ratio
93.60%
Buyer Advantage based on 180-day sold performance
Avg Days on Market
82
Slight increase based on 180-day sold homes
Months of Inventory
8
Buyer's MarketMoM

Price Band Breakdown

Active listings by price range — Bay City
Price range Active Pending Avg. DOM
Under $150K205218
$150K – $200K191102
$200K – $300K6212101
$300K – $400K206148
$400K+18194
Most inventory choices available in the $200K–$300K range.

Supply Gauge

Months of inventory — Matagorda County
8
months of inventory
1 Mo Seller's Balanced Market Buyer's 8+ Mo
What this means: At 8.0 months of inventory, Bay City remains firmly in Buyer’s Market territory, but is now sitting right at the threshold where conditions are beginning to stabilize rather than further soften. With 139 active listings and continued strength concentrated in the $200K–$300K segment, buyers still maintain clear negotiating leverage across most price points. Market velocity is steady but not accelerating—DOM remains elevated at 82 days, and list-to-sale ratios holding near 93.6% reflect ongoing price resistance despite consistent transaction flow. Inventory is no longer expanding meaningfully, signaling a potential early plateau in supply growth.
Broker's Commentary
Derek Nemec
Derek Nemec
Broker | Bay City Property Group

Interest rates are slightly mixed but overall trending lower in key long-term products, with the 30-year fixed down -0.16% and 15-year fixed down -0.23%, while FHA rates ticked up marginally. This creates modest improvement in affordability for conventional buyers.


Inventory is effectively flat to slightly up, with current inventory increasing from 138 to 139 and months of inventory improving slightly from 8.3 to 8.0, signaling a market that is still balanced toward higher supply conditions without meaningful tightening.


Overall sentiment remains buyer-favored, driven by elevated inventory levels and stable pricing despite improved rate conditions. Buyers continue to hold negotiating leverage, while sellers are operating in a competitive environment where pricing strategy is critical for absorption.

TAX RATE & EXEMPTION
Matagorda Co. Tax Rate
0.33651
county tax rate per $100 valuation
Bay City ISD Tax Rate
1.00069
school district tax rate per $100 valuation
Homestead Exemption
$140K
Texas homestead exemption

The data published in the Broker's Post is sourced from HAR MLS aggregate reporting and publicly available market records. Bay City Property Group utilizes this information to actively manage its portfolio of investment properties within Bay City and Matagorda County, currently valued in excess of $3,000,000. While every effort is made to ensure accuracy, this data is provided for informational purposes only and should not be construed as legal, financial, or investment advice. Bay City Property Group makes no representations or warranties, express or implied, regarding the completeness, accuracy, or timeliness of the information presented. Readers are encouraged to independently verify all data and consult a licensed professional before making any real estate decision. Bay City Property Group assumes no liability for decisions made in reliance on this information.

 

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Bay City Property Group
BAY CITY PROPERTY GROUP

Bay City Property Group remains committed to providing clear market insight and professional guidance to buyers, sellers, and investors throughout Matagorda County. Our goal with each Broker’s Post is to offer a concise snapshot of local housing trends so our community can make confident real estate decisions.

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