Census tract · Bay County
Census Tract 2865, Bay County, Michigan
Census Tract 2865, GEOID 26017286500, in Bay County, Michigan, entirely within Bay City. 1,909 residents in the ACS 2020-2024 5-year estimates (±238); the 2020 Census counted 1,665.
Residents, 2020-2024
1,909
±238 (90% margin)
2020 Census count: 1,665
Median household income
$35,071
±$11,511 (90% margin)
Bay County: $61,763
Median home value
$154,100
±$65,111 (90% margin)
Bay County: $152,200
Median gross rent
$871
±$326 (90% margin)
Bay County: $860
Where is Census Tract 2865?
Census Tract 2865 is one of 28 census tracts in Bay County, Michigan. It covers 1.15 square miles of land, 1,453 residents per square mile in 2020. Its GEOID, 26017286500, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Bay City | 100% |
10 census tracts border Census Tract 2865: Tract 2803, Tract 2804 ($47,361), Tract 2805 ($60,136), Tract 2806 ($52,936), Tract 2807 ($35,660), Tract 2810 ($51,827), Tract 2813 ($57,500), Tract 2851 ($75,341), Tract 2859 ($52,699) and Tract 2866 ($49,205). The figure in brackets is each tract's median household income.
Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.
Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files
How many people live in Census Tract 2865?
The 2020-2024 American Community Survey puts Census Tract 2865's population at 1,909 (±238) in 964 households; the 2020 Census counted 1,665 residents and 946 housing units.
| Measure | Tract 2865 | Bay City |
|---|---|---|
| Total population | 1,909 ±238 | 32,320 |
| Households | 964 ±138 | 14,677 |
| Average household size | 1.76 ±0.18 | 2.18 |
| Housing units | 1,111 ±157 | 16,078 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Census Tract 2865?
The median resident of Census Tract 2865 is 45.4 years old; 11.3% are under 18 and 19.9% are 65 or older. The largest group is non-Hispanic white residents at 74.8%, then Hispanic or Latino residents (of any race) at 14.9%.
| Measure | Tract 2865 | Bay City |
|---|---|---|
| Median age | 45.4 ±10.8 | 40.7 |
| Under 18 years | 11.3% ±3.2 pts | 20.2% |
| 65 years and over | 19.9% ±6.1 pts | 17.7% |
| Hispanic or Latino (any race) | 14.9% ±7.2 pts | 11.5% |
| White alone, not Hispanic | 74.8% ±7.3 pts | 80.1% |
| Black or African American alone, not Hispanic | 5.0% ±3.0 pts | 1.6% |
| Asian alone, not Hispanic | 0.6% ±0.9 pts | 0.8% |
| American Indian and Alaska Native alone, not Hispanic | 0.4% ±0.8 pts | 0.1% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±1.6 pts | 0.2% |
| Two or more races, not Hispanic | 3.8% ±2.4 pts | 5.3% |
| Some other race alone, not Hispanic | 0.6% ±0.9 pts | 0.4% |
| Born outside the United States | 2.0% ±1.9 pts | 2.3% |
| Speak a language other than English at home (age 5+) | 2.5% ±2.4 pts | 4.1% |
| Civilian veterans (age 18+) | 5.0% ±3.1 pts | 6.7% |
| With a disability | 16.9% ±5.2 pts | 19.6% |
| No health insurance coverage | 4.8% ±3.3 pts | 5.9% |
| High school graduate or higher (age 25+) | 88.3% ±4.2 pts | 88.9% |
| Bachelor's degree or higher (age 25+) | 21.0% ±7.6 pts | 18.8% |
| Graduate or professional degree (age 25+) | 13.4% ±6.1 pts | 6.2% |
| Lived in the same house a year earlier | 74.7% ±7.5 pts | 88.6% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Census Tract 2865 earn?
Half of the 964 households in Census Tract 2865 earn less than $35,071 a year (±$11,511), against $61,763 across Bay County: 26th highest of the county's 26 tracts with a reliable estimate. 30.8% of residents live below the poverty line.
| Measure | Tract 2865 | Bay City |
|---|---|---|
| Median household income | $35,071 ±$11,511 | $49,420 |
| Mean household income | $77,922 ±$21,708 | $63,008 |
| Per capita income | $41,591 ±$10,601 | $29,853 |
| People below the poverty line | 30.8% ±8.4 pts | 19.1% |
| Children under 18 below the poverty line | 21.3% ±17.4 pts | 24.8% |
| Households receiving SNAP | 23.2% ±6.7 pts | 21.2% |
| Households with a computer | 88.8% ±8.0 pts | 93.3% |
| Households with a broadband subscription | 69.3% ±11.1 pts | 85.6% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Census Tract 2865?
Owners occupy 43.7% of Census Tract 2865's occupied homes and renters 56.3%. The median owner-occupied home is valued at $154,100 by its owner (±$65,111). The median renter pays $871 a month including utilities, and 40.3% of renters pay 35% or more of their income on rent.
| Measure | Tract 2865 | Bay City |
|---|---|---|
| Median home value (owner-occupied) | $154,100 ±$65,111 | $97,600 |
| Median gross rent | $871 ±$326 | $766 |
| Renters paying 35% or more of income on rent | 40.3% ±14.5 pts | 37.0% |
| Median monthly owner costs, with a mortgage | $1,275 ±$288 | $1,069 |
| Owner-occupied homes | 43.7% ±9.7 pts | 70.1% |
| Renter-occupied homes | 56.3% ±9.7 pts | 29.9% |
| Housing units | 1,111 ±157 | 16,078 |
| Single-family detached homes | 31.6% ±7.5 pts | 73.2% |
| Mobile homes | 0.0% ±2.7 pts | 1.0% |
| Built 2020 or later | 1.5% ±2.5 pts | 0.3% |
| Built 2010 to 2019 | 14.1% ±7.8 pts | 1.8% |
| Built 1939 or earlier | 31.5% ±9.7 pts | 49.2% |
| Households with no vehicle | 18.4% ±7.1 pts | 12.2% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Census Tract 2865 get to work?
61.4% of Census Tract 2865's workers drive alone. The average trip to work takes 21.1 minutes.
| Measure | Tract 2865 | Bay City |
|---|---|---|
| In the labor force (age 16+) | 49.7% ±6.3 pts | 59.4% |
| Unemployment rate | 1.3% ±2.0 pts | 6.7% |
| Drove alone to work | 61.4% ±11.5 pts | 79.0% |
| Carpooled | 19.8% ±12.6 pts | 7.7% |
| Public transportation | 1.2% ±2.9 pts | 0.4% |
| Walked | 9.0% ±7.0 pts | 3.0% |
| Worked from home | 7.8% ±6.0 pts | 8.4% |
| Mean travel time to work | 21.1 min ±6.4 | 21.3 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
How does Census Tract 2865 compare with the other tracts in Bay County?
Among Bay County's tracts with a reliable estimate, Census Tract 2865 ranks as shown below (1 = highest).
| Measure | In Bay County | In Bay City |
|---|---|---|
| Population | 26th of 27 | 11th of 12 |
| Residents per square mile | 13th of 27 | 11th of 12 |
| Median household income | 26th of 26 | 11th of 11 |
| Per capita income | 7th of 27 | 2nd of 12 |
| Median home value | 14th of 27 | 2nd of 12 |
| Median gross rent | 12th of 24 | 5th of 11 |
| Poverty rate | 1st of 25 | 1st of 12 |
| Bachelor's degree or higher | 15th of 27 | 6th of 12 |
| Median age | 10th of 27 | 2nd of 12 |
| Owner-occupied share | 26th of 27 | 11th of 12 |
The tracts next to it on Bay County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 2866 | 23rd | $49,205±$8,015 |
| Tract 2804 | 24th | $47,361±$6,211 · within the margin of this tract |
| Tract 2807 | 25th | $35,660±$11,248 · within the margin of this tract |
| Tract 2865 | 26th | $35,071±$11,511 |
"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed
How reliable are the figures for Census Tract 2865?
2 of the 18 figures for Census Tract 2865 on this page carry a coefficient of variation over 40% and are marked with a ring: they come from a small sample, so read them as rough.
A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections