SOC 49-9021

HVAC/R Technician Salary in Bay City, MI (2026)

Data updated · Sources: BLS OEWS May 2025, HUD FY 2027 Fair Market Rents, EPI 2026 Family Budget, 2026 tax tables · Methodology

Tax Tables: 2026 Fed + MI
COL Index: 90.37 (-9.6% vs US)
Net Compensation Yield 75.1% Realized
$45,197 / net annual direct deposit
Gross Adjusted $60,170 $28.93/hr
Effective Tax Drag 18.89% Combined Jurisdictions
Marginal Top Bracket 12% Federal Statutory
Total Withheld -$11,363 $437.05/check
Category 1 of 6

Wage Benchmarking & After-Tax Paycheck Engine

Dynamic statutory tax calculations based on IRS Publication 15-T and state statutory schedules.

$
2,080 annual statutory base hours $28.93 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$3,610/yr)
0% Tax Shield: ~$433/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$4,607
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$3,731
Medicare Hospital Insurance
Statutory 1.45%
-$872
Michigan Individual Income Tax
State Marginal Bracket
-$2,153
Net Take-Home Annual Realized
$45,197 ($1,738.33 / check)
Category 2 of 6

Bay City, MI HVAC/R Technician Wage Distribution

Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) Percentiles & Career Ladders

Your Salary: $60,170
MIDDLE 50% (IQR RANGE) 10th $36.0k 25th $45.2k Median: $60,170 50th (Median) $60.2k 75th $69.8k 90th $81.3k You: $60,170
10th (Entry) $36,040 $17.33/hr
25th (Junior) $45,200 $21.73/hr
50th (Median) $60,170 $28.93/hr
75th (Senior) $69,770 $33.54/hr
90th (Lead/Master) $81,330 $39.10/hr
Career Progression & Licensing Milestones for HVAC/R Technician in Bay City, MI
1
HVAC Apprentice / HelperEPA 608 Universal Certification, trade school certificate
$37,674$18.11/hr · 0-2 Years
2
Service TechnicianNATE certification, independent diagnostic electrical skills
$58,188$27.98/hr · 2-5 Years
3
Lead Commercial HVAC TechChiller, VRF, and building automation system certifications
$77,419$37.22/hr · 5-9 Years
4
HVAC Mechanical ContractorState Mechanical Contractor license, bonded, business operations
$106,513$51.21/hr · 9+ Years
Category 3 of 6

HUD Fair Market Rent & EPI Living Wage Affordability Index

Evaluating housing affordability vs. net take-home pay in Bay City, MI under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
22% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $835/month Requires minimum annual gross of $33,400
HUD Fair Market Rent (2-Bedroom) $1,055/month Requires minimum annual gross of $42,200
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $19.98/hr
Per adult, 2 working adults + 1 child: $18.52/hr
Category 4 of 6

Hourly Wage to Annual & Overtime Matrix

Translating base hourly pay and 1.5× overtime into net take-home pay based on 2,080 annual work hours in Bay City, MI.

Swipe horizontally to inspect full pay schedule
Schedule Total Hours/Wk Gross Annual Est. Taxes Net Take-Home Bi-Weekly Check
Standard (40 hrs)40 hrs$60,170-$11,363$45,197$1,738.33
+5h Overtime/Wk45 hrs$71,452-$14,016$53,149$2,044.18
+10h Overtime/Wk50 hrs$82,734-$17,663$60,107$2,311.80
+15h Overtime/Wk55 hrs$94,016-$21,310$67,065$2,579.42
+20h Overtime/Wk60 hrs$105,298-$24,957$74,023$2,847.04
Category 5 of 6

Interstate MSA Relocation & State Tax Migration Comparator

Calculate required compensation, cost-of-living differences, and annual state/local tax savings between two metropolitan areas.

Equivalent Salary in Austin, TX $83,505 Cost of Living Ratio: 69.6%
Annual State & Local Tax Delta +$8,331/yr Tax savings in Austin-Round Rock-San Marcos, TX
Annual Rent Difference (1BR) -$17,676/yr Based on HUD Fair Market Rents
Net Discretionary Cash Flow Impact

Combining state tax savings and annual rent variance when relocating from San Francisco-Oakland-Fremont, CA to Austin-Round Rock-San Marcos, TX.

+$26,007/year
Category 6 of 6 · Executive Economic Briefing
2026 Fiscal Intelligence

HVAC/R Technician in Bay City, MI: Compensation & Purchasing Power Briefing (2026)

Estimates compiled from BLS OEWS wages, IRS 2026 withholding rules, HUD Fair Market Rents, and Michigan tax codes.

Market Baseline
$60,170/yr
$28.93/hr · SOC 49-9021
Statutory Tax Drag
18.89% Effective
-$11,363 in Total Taxes
HUD 1BR Shelter Ratio
22% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$2,931/mo
Post-$835/mo 1BR Rent

Key Economic & Compensation Takeaways

Statutory Withholding Architecture

Frequently Asked Questions

Verified Government Data Sources & Statutory Attribution

Wages sourced from US Bureau of Labor Statistics (BLS OEWS). Rents calibrated to HUD Fair Market Rents. Tax schedules calibrated to IRS IRC Title 26, IRS Pub 15-T, and state statutory revenue codes.

BLS OEWS May 2025 HUD FY2027 FMR IRS 15-T
Metro Pay Comparison SOC 49-9021
2026 Statutory Thresholds
  • Federal Standard Deduction (Single) $16,100
  • FICA OASDI Wage Base Cap $184,500
  • Pre-Tax 401(k) Elective Deferral $24,500
  • HSA Individual Annual Limit $4,400

HVAC/R Technician in Bay City, MI: Market Snapshot

HVAC/R Technician roles in Bay City, MI report a median annual wage of $60,170, 1.4% below the national median of $61,010. The 10th to 90th percentile band runs from $36,040 to $81,330, and HUD’s $835 monthly one-bedroom fair market rent equals 16.7% of that median gross pay. The single-adult living wage benchmark for the area is $19.98 per hour.

Highest-paying metropolitan areas for HVAC/R Technician

Metropolitan areaMedian annual wageVs this market
Fairbanks-College, AK$93,820+55.9%
Anchorage, AK$85,620+42.3%
Napa, CA$84,570+40.6%
San Jose-Sunnyvale-Santa Clara, CA$82,050+36.4%
Seattle-Tacoma-Bellevue, WA$80,100+33.1%
Santa Rosa-Petaluma, CA$79,510+32.1%
Peoria, IL$78,710+30.8%
Santa Maria-Santa Barbara, CA$78,640+30.7%
Boston-Cambridge-Newton, MA-NH$78,530+30.5%
San Francisco-Oakland-Fremont, CA$78,490+30.4%

Top-paying occupations benchmarked in Bay City, MI

OccupationMedian annual wageMedian hourly
Chief Executives$247,680$119.08/hr
Natural Sciences Managers$204,120$98.13/hr
Architectural and Engineering Managers$160,560$77.19/hr
Computer and Information Systems Managers$159,850$76.85/hr
Sales Managers$130,760$62.87/hr
Nurse Practitioner$127,830$61.46/hr
Software Engineer$124,420$59.82/hr
Financial Manager$124,130$59.68/hr
Management Analyst$114,610$55.10/hr
Industrial Production Managers$113,810$54.72/hr

Wage data: U.S. Bureau of Labor Statistics OEWS May 2025, 389 metropolitan areas publishing this occupation; HUD FY2027 Fair Market Rents; EPI Family Budget Calculator. Taxes use 2026 federal and state rules. Data last updated .

Regional Labor Market & Career Mobility Network

Explore adjacent occupations and neighboring metropolitan wage benchmarks for peer compensation analysis.

HVAC/R Technician Salary in Bay City, MI (2026) Overview

HVAC/R Technician median pay in Bay City, MI is $60,170 a year ($28.93/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD rents and living wage.

Quick answers
What is the median salary for a HVAC/R Technician in Bay City, MI?

The median annual wage is $60,170 ($28.93 per hour). The middle 80% of earners make between $36,040 and $81,330. Source: BLS OEWS (May 2025).

What is the take-home pay for a HVAC/R Technician in Bay City, MI after taxes?

On the median wage of $60,170, a single filer with no pre-tax deductions takes home about $48,220 a year ($4,018 a month) after $11,950 in federal, FICA, state and local taxes, an effective rate of 19.86%, using 2026 tax rules.