Bay City, Michigan

What Bay City is made of: the communities whose institutions are here, the sectors its 4,003 businesses sit in, the franchises already on the ground, and the services a newcomer could start.

4,003 businesses on file · 146 trades · 33 sectors · census population 32,445 · registry population 32,661 · built from geonet.saginaw on 2026-10-07

Businesses4,003
10% carry coordinates
Specialised in12
trades above the national pattern
Best suited tono cohort stands out
on the census signals below
Franchise brands75
already operating here

Visiting rather than moving? The free guidebook for Bay City → — the free guidebook for this region: why go, what to see, what is open when it rains.

1

The local economy

What the business base is made of, what it is specialised in against the national pattern, and what that mix implies. This is the part a development office would read first.

Composition, not health. geonet records what trades exist and where; it does not record formation, closure, employment or revenue, so none of those appear here. What makes this economics rather than a directory is the NAICS coding: it lets the local mix be read against the BLS survival curves and against the 323 industry groups this research has screened.

The two biggest markets here

Every industry group on this page links through to its NAICS page, and to the screened market report where this research has one — that is what the trait-to-NAICS coding buys.

Business density123.4
businesses per 1,000 residents, against the 2021 census count of 32,445
Breadth of the base308
broad — 100 industry groups, top three 19.6%
Survival the mix implies56.8%
at five years, against 51.4% for all private establishments
Coded to NAICS59.8%
of which 73.1% unambiguous

What this city is specialised in

Location quotient is this city's share of a trade divided by the same share across 10 US metro tables. Above 1.25 is the conventional threshold for a local specialisation.

Thin against the national pattern

Common trades that are under-represented here. For someone deciding what to open, this is the more useful half of the table — though a gap can mean unmet demand or a market that does not work here, and this does not tell you which.

The base against the entry screen

Businesses by the entry signal of the industry group they sit in, from the /markets screen. A large "structure decides" share means most local trades are ones where being better than the incumbent does not by itself win. A trade is matched to the screened record at whatever level the research wrote it — the same code, a broader one, or a narrower one. Where a group holds several screened sub-markets the count is shown, because no single one of them speaks for the whole group.

Enter
21.9%
523 businesses
Caution
53.6%
1,283 businesses
Structure decides
24.5%
586 businesses
Not screened
0%
0 businesses

How to read the survival figure

Each sector's five-year establishment survival rate, weighted by how many of this city's businesses sit in that sector. It is a property of the MIX, not of these businesses — it says what survival this composition would imply at US private-sector rates, because no Canadian equivalent series exists.

Weighted over 94.9% of the coded base — public administration carries no curve. Source: Business Employment Dynamics — Table 7, Survival of private sector establishments by opening year, US Bureau of Labor Statistics.

And what it does not measure

A "mixed" trait is one that genuinely spans codes — "computers" covers systems design, repair and supply. The clear share is how much of this reading rests on unambiguous coding. Business density also reflects how completely the directory covers a place, not only how many businesses are in it — so it compares poorly between a city the register knows well and one it does not.

2

Who lives here, and who the city is for

The census: the only figures on this page that count people rather than businesses, and the three cohort readings they make possible.

The register says what trades exist. The census says who lives here — and it is the only thing on this page that counts people. Figures are American Community Survey 2019–2023 five-year estimates for Bay City city, Michigan, the incorporated place, which is the city proper, and every comparison is against the United States as a whole, from the same ACS tables.

Detailed language is not published for American places. B16001, the table with individual languages, has no place-level rows; C16001 is what exists, and it names six languages and groups the rest into families. A Canadian city on this site names about forty.

Population32,445
census 2021
Median age39.7
against 38.7 nationally
Immigrants1.8%
against 13.9% nationally
Median rent$739
against $1,348 nationally

Who the city is for

Three readings, each built from real numbers against real benchmarks. This is not an index. Every signal is shown with its own value, its benchmark and which way it points, and the band simply counts how many point the same way — so a reader who disagrees with one signal can drop it and still use the rest.

Seniors

moderate

Is this a place to grow old, and is the care here?

Residents 65 and over 15.8% –16.8%
Residents 85 and overthe group that needs care rather than the group that is merely retired 1.9% –1.9%
Median age 39.7 years –38.7 years
Poverty ratethe US poverty threshold — a different definition from the Canadian pages, and not comparable to them 21.5% ▼12.4%
Medical clinics per 1,000 residentsfrom the business register 0.43 –
Pharmacies per 1,000 residentsfrom the business register 0.59 –
Median rent 739 $/mo ▲1348 $/mo

A high share of over-65s says other people made this choice; it does not say the care exists. The register has no category for a hospital at all, so distance to an emergency department is still missing.

Students and young adults

thin

Is there a reason to be here between 19 and 25, and can they afford it?

Residents 20 to 24 6.4% –6.5%
Residents 15 to 19the cohort arriving next 6.4% –6.5%
Renter householdsa rental market is what makes a place possible to move to 31.5% ▼35%
Median rent 739 $/mo ▲1348 $/mo
Unemployment rate 6.5% ▼5.2%
Degree holders in the adult population 18.2% ▼35%
Drinking places and recreationfrom the register 34 –

Post-secondary institutions in the city are listed further down this page; where there are none, a high 20-to-24 share usually means work rather than study.

Newcomers and other-language speakers

thin

Is there already a community here, and has anyone built anything for it?

Foreign-born residents 1.8% ▼13.9%
Arrived 2010 or laterthe band the ACS publishes; the Canadian pages use 2016 to 2021, so the two are not comparable 18.4% ▼29.4%
Speak a language other than English at home 2.6% –
Language groups above the reporting floor 2 –
Median household income 47904 $ ▼78538 $

The American census does not publish individual languages for a city — only the eleven groups below, six of which are single languages. A Canadian city on this site names about forty, so the two sections are not the same depth and should not be read as if they were.

What is spoken at home, and whether anyone built for it

The register-versus-census cross-check on the Canadian pages is not possible here: the ACS publishes language in groups, so "Other Indo-European languages" cannot be matched against an institution that names a community.

Spoken most often at homeSpeakers ShareCommunity in the register Institutions
Spanish 617 1.9% not mapped to a marker 0
German or other West Germanic languages 227 0.7% not mapped to a marker 0

The rest of the profile

CharacteristicHereCanada
Residents 65 and over 15.8% 16.8%
Residents 85 and over 1.9% 1.9%
Residents 20 to 24 6.4% 6.5%
Arrived 2016 to 2021 18.4% 29.4%
Non-permanent residents — —
Speak a non-official language at home 2.6% —
Renter households 31.5% 35%
Spending 30% or more on shelter — —
Participation rate 60.4% 63.5%
Unemployment rate 6.5% 5.2%
Median household income, 2020 47904 $ —
Median after-tax household income, 2020 — —
Prevalence of low income (LIM-AT) 21.5% —
Bachelor degree or higher 18.2% —

The one thing to keep in mind

Five-year estimates pooled over 2019–2023, so a figure is an average of the period rather than a single year, and every value carries a margin of error this extract does not keep. Unlike the Canadian census, which counts everyone, the ACS is a sample — a small place's figures are correspondingly uncertain. ACS five-year estimate for the incorporated place, which is the city proper. It will differ from the figure in wander.regions, which is sometimes a metropolitan population.

Source: American Community Survey 2019–2023 five-year estimates — Table-based summary file, 2023, United States Census Bureau, under the US federal government work, public domain. National comparison: The United States row of the same ACS tables, not an average of places — roughly a third of Americans live outside any incorporated place, so summing places would understate the country.

3

The communities the register shows

A community appears in the business register before it appears in prose — a national church, a society, a credit union, a newspaper. Those are counted as institutions, and they are what suggests residents. A restaurant serving a cuisine is counted separately as trade, because every city has those and they say nothing about who lives nearby. The ranking is by institutions.

CommunityInstitutions WorshipTrade Where it shows
Polish 1 — 3
trade on S Farragut St (2)
Polish Natl Alliance of US
Chinese — — 3
trade on E North Union Rd (2)
Dutch — — 3
trade on N Euclid Ave (2)
French — — 2
Spanish-speaking — — 1
Islamic — — 1
Scottish — — 1
4

Where the communities are

Streets, not neighbourhood names. The data knows that Greek institutions sit on one street and Greek restaurants on another; it does not know the word "Greektown", so it does not use it.

Polish

trade on S Farragut St (2)
5

What the city is made of

Every business on file, grouped by the sector it trades in. This is the economic-development view: where the 4,003 businesses actually are, and the specific trades inside each sector.

SectorBusinesses ShareWhat is in it
Living 279 7% place of worship (116) · cleaning (34) · daycare (23) · apartment (21) · janitor (14) · appliances (14) · furniture (13) · fire safety (13)
Construction 277 6.9% home builder (67) · painting (51) · general contractor (22) · plumbing (22) · carpet (17) · concrete (16) · electrician (16) · roofing (13)
Business 231 5.8% government (115) · consulting (37) · accounting (29) · association (25) · cemetary (11) · vending (4) · auction (2)
Dining 225 5.6% restaurant (152) · pizza (21) · burgers (21) · pubs (14) · diner (12) · steakhouse (3) · fast food (2)
Automotive 210 5.2% auto repair (77) · autos (67) · detailing (6) · scooter (5) · auto parts (5) · motorcycle (4) · tires (1)
Beauty 188 4.7% hair stylist (124) · dentist (42) · barber (9)
Health 163 4.1% physician (62) · medical clinic (14) · pharmacy (11) · fitness club (9) · chiro (9) · optical (8) · home healthcare (5) · medical supplier (1)
Finance 150 3.7% insurance (65) · bank (33) · real estate (23) · credit union (9) · mortgage (3) · loans (1) · bankruptcy (1)
Retail 125 3.1% gifts (36) · antiques (15) · photography (14) · convenience (12) · department store (11) · jeweler (11) · flowers (7) · pet supply (5)
Education 87 2.2% school (68) · library (8) · writing (4) · garden (2)
Realty 85 2.1% real estate (85)
Living & Home 73 1.8% greenhouse (2)
Retail Goods 59 1.5%
Travel 58 1.4% motel (31) · travel agent (8) · truck rental (5) · bnb (4) · hotel (1) · parking (1)
Manufacturing 56 1.4% industrial supplier (27) · machinery (9) · fabrication (6) · salvage (4) · chemical (3) · pulp and paper (1) · greenhouse (1)
Construction & Realty 54 1.3%
Law 54 1.3% lawyer (13) · mediator (4)
Logistics 53 1.3% truck transportation (21) · storage (18) · railroad (4) · towing (3) · wholesale (1) · packaging (1)
Tech 53 1.3% computers (36) · wireless (7) · telecom (3)
Entertainment 52 1.3% amusement (14) · video (8) · video producer (7) · museum (5) · games (5) · aquarium (3) · music instruments (3) · nightclub (2)
6

The franchises already here

Brands from a register of 2,024 franchise systems, matched into this city by name. A high count is a signal in both directions: the territory works, and it may be taken.

27 of these brands are a single common word — Metro, Avenue, Budget — so their counts include businesses that merely share the word. They are marked rather than dropped.

BrandCategory HereWorldwide
Burger King fastfood 4 11,000
Dollar General convenience 3 8,205
Enterprise Rent A Car car 3 5,400
Little Caesars Pizza pizza 3 1,800
Rite Aid pharmacy 3 5,000
Taco Bell tacos 3 5,845
Wal-Mart retail 3 6,500
Advance Auto Parts auto 2 3,000
Big Boy food 2 —
Curves For Women fitness 2 10,000
Fantastic Sams hair 2 1,350
Holiday Inn businesshotel 2 —
Pizza Hut pizza 2 10,000
Rent-A-Center retail 2 3,500
Salvation Army retail 2 —
St. John retail 2 —
West Marine specialty 2 400
7-Eleven convenience 1 30,000
AAA Travel travel 1 —
American Eagle Outfitters retail 1 827
Baskin Robbins dessert 1 2,800
Belle Tire auto 1 —
Best Western businesshotel 1 4,200
Bob Evans food 1 600
Carlson Wagonlit Travel travel 1 4,300
Cash Plus cash 1 100
Cracker Barrel Old Country Store food 1 551
Discount Tire auto 1 —
Dunkin' Donuts donuts 1 6,000
Farmer Jack supermarket 1 50
Fashion Bug retail 1 1,000
Finish Line retail 1 700
Hickory Farms supermarket 1 —
Hollywood Video video 1 2,700
Home Depot home 1 2,104
Jackson Hewitt Tax Service tax 1 —
Keller Williams Realty realestate 1 633
Lone Star Steakhouse steak 1 285
Merle Norman Cosmetics retail 1 2,000
Miracle-Ear specialty 1 1,500
Pearle Vision specialty 1 100
Ruby Tuesday food 1 933
Save-A-Lot supermarket 1 1,160
Sylvan Learning school 1 710
Things Remembered retail 1 600
Tim Hortons coffee 1 2,890
Tuffy Auto Service Centers auto 1 392
U-Haul car 1 13,700
Manor name only retail 7 —
Meijer name only supermarket 4 181
Sears name only inc 4 2,300
AmericInn name only accommodation 3 230
CARQUEST name only auto 3 3,400
Champion name only supermarket 3 1,000
Hallmark name only greetingcards 3 5,600
Hooters name only food 2 435
Jeep name only suv 2 —
Kroger name only supermarket 2 2,507
Ziebart name only auto 2 500
Aldi name only supermarket 1 5,000
AllState name only insurance 1 —
AutoZone name only auto 1 3,800
Beltone name only specialty 1 1,500
Burton name only retail 1 —
Greyhound name only travel 1 —
HEMA name only retail 1 200
Honda name only car 1 —
Hyatt name only upscalehotel 1 —
Midas name only auto 1 1,800
Mitsubishi name only auto 1 —
Nordstrom name only retail 1 —
Roots name only retail 1 145
Stitches name only retail 1 —
Toyota name only car 1 —
Walgreens name only pharmacy 1 4,000
7

Real estate as a local trade

Four unrelated jobs share the name: selling existing homes, owning and letting them, managing them for someone else, and building new ones. For anyone weighing a move or a licence these are the counts — and the ownership question goes to /property, which answers it building by building.

Real estate is a local job market in its own right, and four unrelated trades get the same name. Counts are businesses filed under each trade in the register, which lists a brokerage once however many agents work there — so this measures firms, not licensees.

Selling homes

5312
109 firms · LQ 0.57

Offices of agents and brokers — the resale market, and the biggest single trade in most Canadian cities.

Named in the register
  • Arlene Bush Harris Bush Real — 617 Washington Ave
  • Charlene M Szelogowski Bay A — 3583 Wilder Rd
  • Chris Skrocki Waters Edge Re — 3906 N Euclid Ave
  • Dorothy Kirkbride Bay City R — 1301 Center Ave
  • Gerald Cosens Raintree Realt — 704 S Euclid Ave
  • Gordon Hollister Hollister R — 701 E Vermont St
  • Joe Kato Kato Realty — 5869 Westside Saginaw Rd
  • Kathleen Mc Morris Kathleen — 1110 Washington Ave
  • Robert Barnard Barnard Realt — 408 E John St
  • Robert Hachtel Hachtel Realt — 1012 5th St
  • Robert Heinz Heinz Life Time — 5754 Michael Dr
  • Robert Koffman United Proper — 715 Mcgraw St
  • Robert W Young Show Time Rea — 1110 Washington Ave
  • Steve Walczak Top Producers — 415 S Euclid Ave

Owning and letting

5311
21 firms · LQ 0.76

Lessors of real estate: the buildings themselves, filed under the building rather than the owner.

Named in the register
  • Bangor Downs — 3325 Alarie Dr
  • Bay Manor Apartments — 3465 Kiesel Rd
  • Bay Valley Harbor Apartments — 2486 N Harbor Dr # N3
  • Bramblewood Cooperative — 3258 Kiesel Rd
  • Country Meadows — 115 Country Meadows Ln
  • Dishaw Apts — 212 Garfield Ave
  • Garfield Manor — 1011 Fraser St
  • Jones Clinic Ltd Partners — 2275 Carroll Rd
  • Long Apartments — 3380 E Midland Rd
  • Maloney Manor — 210 Fitzhugh St # 210
  • OPM — 789 Revilo Rd
  • Sheffield Bay — 4471 Sheffield Pl
  • Tarras Rental — 1447 E Hotchkiss Rd
  • Valley Green Apartments — 3935 Sequin Dr

Managing for owners

5313
5 firms · LQ 0.67

Property managers, who run buildings the landlord does not.

Named in the register
  • A 2 Z Services — 3510 S Huron Rd
  • Helping Hands — 227 N Sheridan St
  • Old Maids — 122 E Hotchkiss Rd
  • Rainbow Janitorial — 305 S Hampton St
  • Tomlinson Prof Clg and Maint — P.O. BOX 1911

Building new homes

2361
100 firms · LQ 1.47

Residential builders and the general contractors who work for them.

Named in the register
  • Classic Home Builders — 2204 Schauman Ct
  • Clifford Builders — 1635 E Salzburg Rd
  • D and R Builders — 1058 Midland Rd
  • Dempster Construction Co — 3868 N Euclid Ave
  • Dennys Building and Contracting — 4590 2 Mile Rd
  • Drew Miller Builders — 3417 Old Kawkawlin Rd
  • Girard Builders — P.O. BOX 2351
  • Job Site Service — 4395 Wilder Rd
  • Krause Kustom Builders — 3040 State Street Rd
  • Mead Brothers Excavating — 611 S Williams St
  • Solo Builders — 1700 Fremont St
  • Tsk Builders — 153 Salzburg Rd
  • Viking Construction — 3540 E Hotchkiss Rd
  • W J Meagher Construction — 3873 Utah Dr

Financing it

5222
4 firms · LQ 0.29

Mortgage brokers and non-bank lenders.

Named in the register
  • Advance America — 3970 Wilder Rd
  • Fidelity Mortgage — 514 E Midland St
  • Fifth Street Financial — 306 5th St
  • Patriot Mortgages and Processing — 512 N Lincoln St

On "how many doors"

How many doors a landlord holds is not in any of this. The register files an apartment building under the building, not its owner, and carries no unit count; there is no open dataset of Canadian landlords by portfolio. Where this research has established ownership it is in the /property record for the city, building by building, which is a different and much slower exercise.

8

Work where you go to them

The Ultimate 411 half of local: everything where the customer does not have to come to you.

A shop needs the customer to walk in. These 157 services do the opposite — the mobile mechanic, the mobile groomer, the bookkeeper, the junk haul — and they are the ones a person can start without a lease. 0 of them already match a trait filed in this city's register.

The 157 Service=1 rows in search.local: work where the provider travels to the customer. "present" counts businesses already filed under that exact trait name; a blank is a coverage gap, not proof of absence, because the two vocabularies were built separately.

home services

Short-Term Rental TurnoverAppliance InstallationBabyproofing & Safety InstallsCarpet & Upholstery CleaningDeep CleaningDrywall RepairErrand RunningExterior PaintingFence & Deck StainingFurniture AssemblyGarden Weeding & MaintenanceGrocery Pickup & DeliveryGutter CleaningHandyman (General Repairs)Hedge & Shrub TrimmingHouse CleaningHouse SittingInterior PaintingJunk Removal & Dump RunsLandscape Design & PlantingLawn MowingFall Leaf CleanupMove-In / Move-Out CleaningMoving Help (Labour Only)Moving with TruckOffice CleaningPersonal ShopperPressure WashingMove Things Around the HouseSnow Shovelling & RemovalPacking & UnpackingTV & Picture MountingWardrobe StylingWindow Cleaning

events

BartenderDesignated Driver (Your Car)CateringTents, Tables & ChairsFloristFuneral & Celebration of Life ArrangementsGame-Day Bus or VanBook a Pub for Your GroupKaraoke Machine RentalParty Bus & Group ShuttlePub Crawl HostTaxi to the PubSports & Game PhotographyStag & Doe / Jack & Jill PlanningTailgate Party SetupTrivia Night HostVenue SourcingBig-Game Watch Party SetupWedding OfficiantWedding Planner / Coordinator

pets

Aquarium & Terrarium CleaningCatio (Cat Patio) BuildChicken Coop BuildDog House BuildDog TrainingDog WalkingHome Pet BoardingLost Pet SearchMobile Dog GroomingOvernight Pet SittingBuild & Install a Pet DoorPet Cages & EnclosuresPet Fencing & Dog RunsPet PhotographyPet-Proofing Your HomePet Sitting & Dog WalkingPet TaxiYard Poop Scooping

luxury

Chauffeur & Luxury CarDJ & Sound Gear RentalDJEvent PhotographerEvent PlannerLive MusiciansHair & Makeup ArtistMatchmakerPersonal ConciergePortrait & Headshot PhotographerPrivate ChefVideographerVIP / Social Club MembershipWedding PhotographerYacht & Boat Charter

healthcare

Wheelchair-Accessible TransportGrab Bars, Ramps & Home AccessibilityLight Housekeeping for SeniorsCooking & Meal Prep for SeniorsMedical Appointment EscortMedication & Appointment RemindersMobility Equipment RentalRespite Care for Family CaregiversSenior CompanionshipTech Help for SeniorsWalking Companion

sporting goods

Bike Tune-UpBorrow a Bike or E-BikeBorrow Camping GearBorrow Golf ClubsBorrow Hockey GearBorrow Ice SkatesBorrow a Kayak, Canoe or PaddleboardBorrow Skis, Poles & Ski BootsBorrow a Snowboard & Snow BootsSkate SharpeningSki & Snowboard Tuning

sports

Backyard Rink BuildLocal Fishing GuideGolf CaddieFind Players for a Pickup GamePrivate Sports LessonJoin or Build a Rec League TeamBook Ice, Courts & FieldsWorkout & Sports BuddyRoommates Who Also Like Sports

business

BookkeepingStart a Local BusinessCareer Coaching & RésumésFind a Local ManufacturerFind Local Work / Contract GigsLocal Advertising PlacementPrototype & Small-Batch ProductionTranslation & InterpretationWebsite & Online Presence

outdoors

Brush & Land ClearingChainsaw Rental (from a local owner)Firewood (Cut, Split & Delivered)Log Bucking & Cutting (Chainsaw)Portable SawmillingSmall-Lot Logging & Land ClearingStump GrindingTree FellingWood Splitting

construction

CarpenterElectricianHeating & Cooling (HVAC)Mobile MechanicPlumberRoof RepairSmall Engine RepairWelder / Metal Fabrication

travel

Airport Transfer & Car ServiceCorporate & Business TravelCruise BookingFamily Travel for a WeddingBereavement / Funeral TravelLeisure Travel PlanningLocal Tour Guide

tools

Camera & Lens RentalGenerator RentalLog Splitter RentalParty Equipment RentalPower Tool RentalTrailer & Truck Rental
9

Schools and colleges

wander.schools is a post-secondary table — universities and colleges. K-12 public and private schools are not in it, and only 7 of its 1,686 rows carry coordinates, so these are listed and not mapped.

In the business register

Where schooling shows up as a business rather than an institution — which is where K-12, tutoring and childcare appear.

school 68daycare 23
10

Health and care

What a person moving a parent here would ask first. The register files clinics and pharmacies; it has no category for a hospital at all, so hospitals are matched by name and the limit is stated rather than hidden.

Medical clinics14
Pharmacies11
Dental practices42

Matched on the name "hospital"

  • Bay Special Care Hospital — 3250 E Midland Rd
  • Bayside Health Center — 3884 Monitor Rd
  • Bayside Health Center — 3884 Monitor Rd
  • Tri City Animal Hospital — 1699 Midland Rd
  • Euclid Veterinary Hospital — 1300 S Euclid Ave
  • Bay Valley Animal Hospital — 6015 Westside Saginaw Rd

geonet carries no 'hospital' trait, so these are matched on the business name. A distance-to-hospital figure needs a source that states hospital locations.

12

What this record cannot tell you

Named in full, because the gaps are the part most likely to be misread as an answer.

  • Census figures are 2021, taken on 11 May 2021: income is for 2020 and the labour figures were measured mid-pandemic, so the unemployment rate on this page is a 2021 reading rather than a current one.
  • wander.schools is now readable, but it holds universities and colleges only and 1,679 of its 1,686 rows have no coordinates. K-12 public and private schools need a separate source — in Ontario the Ministry of Education school finder, in British Columbia the provincial school list. wander.citytowns, hotels and territories remain denied to the ru user.
  • No 'hospital' trait exists in geonet; distance to a hospital needs an external source such as StatCan's Open Database of Healthcare Facilities.
  • 90.4% of businesses here carry no coordinates, so a map or address lookup would miss them. Postal codes reach 100%.

Built from

  • geonet.saginaw — the local business register
  • wander.regions — city name, population, metro
  • search.local — trait vocabulary and the come-to-you services
  • search.cozfranchises — 2,024 franchise brands