City Comparison
Terni vs Bay City
Cost of living, salaries, climate and quality of life compared side by side.
VS
Terni scores higher overall
Performance
Score Breakdown
Terni
Bay City
Livability
Affordability
Business
Growth
Expenses
Cost of Living
Terni is the more affordable option overall — monthly living expenses run about
25% lower than in Bay City.
Housing costs are a major driver: Terni's average rent is
32% lower than Bay City's.
| Metric | Terni | Bay City | Diff |
|---|---|---|---|
| Average Rent | $650 | $950 | -32% |
| Groceries | $380 | $380 | 0% |
| Utilities | $175 | $175 | 0% |
| Transport | $50 | $110 | -55% |
| Healthcare | $120 | $230 | -48% |
| Monthly Total | $1,375 | $1,845 | -25% |
| Cost Index | 62 | 85 | out of 100 |
Income
Salary & Income
Bay City offers 45% lower average salaries.
However, when adjusted for local cost of living, Bay City delivers stronger purchasing power —
meaning your dollar stretches further day-to-day.
The minimum comfortable salary in Terni is estimated at
$24,000 vs $42,000 in Bay City.
| Metric | Terni | Bay City |
|---|---|---|
| Average Salary | $28,500 | $52,000 |
| Salary Needed | $24,000 | $42,000 |
| Purchasing Power | 45,968 idx | 61,176 idx |
| Household Income | $32,000 | $48,500 |
Weather
Climate Comparison
Terni runs warmer on average — a 12.1°F difference year-round.
Winter severity differs too — Bay City sees 31.8 more inches of snowfall annually.
| Metric | Terni | Bay City |
|---|---|---|
| Avg Temp | 60.90°F | 48.80°F |
| Summer High | 89.40°F | 79.90°F |
| Winter Low | 39.50°F | 16.80°F |
| Rainfall | 44.70 in | 29.50 in |
| Snowfall | 2.80 in | 34.60 in |
| Sunny Days | 257 | 258 |
| Humidity | 68.00% | 70.00% |
Mobility
Commute & Transport
Both cities have comparable commute times, within 1 minutes of each other.
Terni scores higher for public transit, making it the better choice for car-free living.
For walkability, Terni leads — a better score here means more amenities reachable on foot.
| Metric | Terni | Bay City |
|---|---|---|
| Commute Time | 22 min | 21 min |
| Transit Score | 52.0/100 | 38.0/100 |
| Walkability | 65.0/100 | 52.0/100 |
| Traffic Index | 40.00 | 30.00 |
| Car Dependency | Medium | High |
Population
Economy & Demographics
Terni is the larger city
— approximately 3.3x the population of Bay City.
From a growth perspective, Terni is expanding faster, signaling stronger demand for housing, jobs, and services.
On the employment side, Bay City has a lower unemployment rate, reflecting a tighter and more competitive job market.
| Metric | Terni | Bay City |
|---|---|---|
| Population | 107,100 | 32,611 |
| Pop. Growth | — | — |
| Median Age | 47.5 | 41.5 |
| Unemployment | 7.50% | 5.20% |
| GDP | — | — |
At a Glance
Pros & Cons
Terni
Advantages
Average rent and home purchase prices are significantly lower than Rome and national Italian averages per Numbeo 2025 data.
Direct rail connections put Rome within a convenient one-hour commuting or day-trip distance.
Proximity to world-class natural attractions, including the Marmore Falls and Lake Piediluco.
Lower traffic congestion and better air-to-green-space ratios compared to major Italian metropolitan areas.
Robust local industrial heritage providing stable technical and engineering employment opportunities.
Drawbacks
Local salary levels reflect regional southern Umbrian economic caps rather than northern Italian standards.
Post-war urban architecture lacks the uniform medieval aesthetic found in surrounding Umbrian hill towns.
Summer temperatures can be quite high due to the valley basin topography trapping heat.
Public transit options outside peak hours and major routes can be infrequent.
Limited nightlife and entertainment options geared toward younger demographics compared to Perugia or Rome.
Bay City
Advantages
Median home prices in Bay City are significantly lower than the national average per recent housing market data.
Abundant waterfront access along the Saginaw River and Saginaw Bay supports a strong boating and outdoor recreation culture.
Rich architectural heritage featuring expansive historic districts with preserved 19th-century Victorian homes.
Low overall cost of living indices allow residents to enjoy greater financial affordability on everyday goods and utilities.
Active downtown district featuring local dining, craft beverage makers, and community festivals.
Drawbacks
Cold, snowy winters require residents to adapt to significant seasonal snowfall and freezing temperatures.
Limited public transit infrastructure creates a high reliance on personal automobiles for daily transportation.
Job growth in certain traditional sectors has lagged behind larger metropolitan areas in Michigan.
Higher poverty rates in specific city neighborhoods compared to the broader suburban county areas.
Cooler spring and autumn shoulder seasons shorten the peak window for outdoor activities.
Explore
Dive Deeper
Key figures side by side — see which city wins each category at a glance.
Terni
#20Umbria, Italy
67.8 / 100 overall
Avg Rent
$650
Avg Salary
$28,500
Cost Index
62
Commute
22 min
Transit Score
52.0/100
Walkability
65.0/100
Sunny Days
257/yr
Avg Temp
60.90°F
Pop. Growth
%
Unemployment
7.50%
Livability
75
Business
67
Bay City
#401Michigan, USA
58.4 / 100 overall
Avg Rent
$950
Avg Salary
$52,000
Cost Index
85
Commute
21 min
Transit Score
38.0/100
Walkability
52.0/100
Sunny Days
258/yr
Avg Temp
48.80°F
Pop. Growth
%
Unemployment
5.20%
Livability
72
Business
65
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