Bay City, OR vs Falls City, OR: Cost of Living

Which city costs less?

Falls City, OR has a modeled overall cost index 0.9% lower than Bay City, OR.

Bay City, OR · modeled 2BR rent: $1,520 / month
Falls City, OR · modeled 2BR rent: $1,400 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Bay City, OR and Falls City, OR using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Bay City, OR

Numbers update automatically as you type

Estimated savings: $62.12/month in Falls City, OR

$150,000 in your current city has a modeled equivalent of $149,255 in Falls City, OR

Regional cost estimates: Bay City, OR uses Portland, OR. Falls City, OR uses Portland, OR. Available city ZIP rent estimates are shown separately.

Overall Cost

↓ 0.9%

Less expensive

Monthly Impact

$62.12

Savings

Annual Impact

$745

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Bay City, OR

Population:1K

Cost Index:

102.8

100 = national average

Typical Home:$381K

Falls City, OR

Population:1K

Cost Index:

101.8

100 = national average

Typical Home:$348K

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Bay City, OR

The Beaver State

Population

State Tax

Yes

Located in Oregon, this city has a population of 1K residents.

Falls City, OR

The Beaver State

Population

State Tax

Yes

Located in Oregon, this city has a population of 1K residents.

Cost Breakdown by Category

Estimated monthly spending: Bay City, OR vs Falls City, OR

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Bay City, OR	Falls City, OR	Difference	Change
Housing	$3,064/mo	$3,035/mo	↓ $28.82less	0.9%
Other	$1,393/mo	$1,380/mo	↓ $13.11less	0.9%
Transportation	$1,246/mo	$1,234/mo	↓ $11.72less	0.9%
Groceries	$870/mo	$866/mo	↓ $4.10less	0.5%
Healthcare	$540/mo	$537/mo	↓ $2.54less	0.5%
All Utilities	$387/mo	$385/mo	↓ $1.82less	0.5%

Housing

↓ 0.9%

Bay City, OR

$3,064

Falls City, OR

$3,035

Difference

$28.82

less

Other

↓ 0.9%

Bay City, OR

$1,393

Falls City, OR

$1,380

Difference

$13.11

less

Transportation

↓ 0.9%

Bay City, OR

$1,246

Falls City, OR

$1,234

Difference

$11.72

less

Groceries

↓ 0.5%

Bay City, OR

$870

Falls City, OR

$866

Difference

$4.10

less

Healthcare

↓ 0.5%

Bay City, OR

$540

Falls City, OR

$537

Difference

$2.54

less

All Utilities

↓ 0.5%

Bay City, OR

$387

Falls City, OR

$385

Difference

$1.82

less

🏠Rent Comparison

Studio

From$1,100

To$1,060

↓ $40.00

1 Bed

From$1,230

To$1,080

↓ $150

2 Bed

From$1,520

To$1,400

↓ $120

3 Bed

From$2,110

To$1,940

↓ $170

Bay City, ORZIP-level data

1BR range: $1,230–$1,230/mo

Falls City, ORZIP-level data

1BR range: $1,080–$1,080/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Bay City, OR

$7,438

Monthly in Falls City, OR

$62.12

Difference

Home Values

Bay City

Falls City

$381K

Median Value

$348K

↓ -1.4%

YoY Change

↑ +0.2%

↑ +33.6%

5-Year Change

↑ +32.2%

Homes in Falls City are 9% less expensive than Bay City

Calculate payment - Bay City Calculate payment - Falls City

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

→ $0

Same taxes

Monthly Difference

Same take-home

Effective Rate Diff

0.0%

Rate difference

Bay City, OR

Federal Income Tax

Effective: 18.9%

$25.5K

Oregon State Tax

Effective: 10.3%

$15.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 35.0%

$52.5K

Take-Home Pay

$8,123/month

$97.5K

Falls City, OR

Federal Income Tax

Effective: 18.9%

$25.5K

Oregon State Tax

Effective: 10.3%

$15.5K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 35.0%

$52.5K

Take-Home Pay

$8,123/month

$97.5K

Additional Tax Information

Bay City, OR Tax Rates

Sales Tax:0.0%

Property Tax:0.9%

Falls City, OR Tax Rates

Sales Tax:0.0%

Property Tax:0.9%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Bay City

Falls City

35 Good

Air Quality

35 Good

85%

Good Air Days

85%

98 High

Climate Risk

98 High

🌊🌡🫨

Top Hazards

🌊🌡🫨

▲+2.5°F

2050 Outlook

▲+2.5°F

9 days

Heat Days >95°F

9 days

▲+2.5°F

2050 Outlook

▲+2.5°F

9 days

Heat Days >95°F

9 days

Before moving from Bay City, OR to Falls City, OR

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in Falls City, OR for the same bedroom count and included utilities as your home in Bay City, OR. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Bay City to Falls City moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Falls City, OR by cost, housing, population and region.

Frequently Asked Questions: Bay City, OR vs Falls City, OR

How do the cost estimates for Bay City, OR and Falls City, OR compare?

Falls City, OR has a modeled overall cost index 0.9% lower than Bay City, OR. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Bay City, OR, the model estimates $149,255 in Falls City, OR. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Bay City, OR and Falls City, OR?

The modeled two-bedroom rents are $1,520/month in Bay City, OR and $1,400/month in Falls City, OR. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.