Michigan

USDA rental housing in Bay County, MI

4 properties in Bay County have USDA Section 515 or 514 financing: 114 apartments across 2 towns. 90 of those units carry USDA rental assistance, which ties what an eligible tenant pays to income.

4properties
114apartments
90rental assistance units
8vacant units reported

Equal housing opportunity. Properties financed by USDA Rural Development must follow the Fair Housing Act, which bars discrimination because of race, color, religion, sex, disability, familial status or national origin. If you believe you were treated unfairly, you can file a complaint with HUD at 1-800-669-9777 or with USDA at 866-632-9992.

Open Country does not own, manage or rent these properties and does not take applications. Contact each property's management company for availability, rents and eligibility. Listings come from USDA's public data and may be out of date.

Auburn Square Apart

4813 Garfield RD, Auburn, MI 48611

Family · 12 1BR, 12 2BR

Managed by Gld Management Company

Units
24
Rental assistance
18
Vacant
1
Accessible
0
Opened
1985

Pinconning Sr Apts

300 North St, Pinconning, MI 48650

Elderly · 26 1BR

Managed by Gld Management Company

Units
26
Rental assistance
22
Vacant
4
Accessible
0
Opened
1995

Whisper Pines I Apt

122 Whispering Pines, Pinconning, MI 48650

Family · 24 1BR, 24 2BR

Managed by Gld Management Company

Units
48
Rental assistance
40
Vacant
1
Accessible
0
Opened
1975

Whispering Pines II

131 Whispering Pines, Pinconning, MI 48650

Family · 8 1BR, 8 2BR

Managed by Gld Management Company

Units
16
Rental assistance
10
Vacant
2
Accessible
0
Opened
1982

Source: USDA Rural Development, Section 515/514 active properties file (data as of October 19, 2026). Vacancies are as USDA last recorded them, not live availability.

Who can rent here

USDA-financed apartments are for very low, low and moderate income households (7 CFR 3560.152), and elderly and congregate properties also require a household that meets USDA's definition of elderly. In a unit with USDA rental assistance, the tenant pays the highest of 30% of monthly adjusted income, 10% of gross monthly income or a welfare shelter allowance, and the assistance covers the rest of the rent (7 CFR 3560.203). Each property's manager checks income against USDA's limits for the area when you apply and can tell you whether a unit with rental assistance is open.

For owners and buyers

All 4 are limited-profit. All also have housing tax credits. 1 serves elderly tenants. Owners of aging 515 properties can use a Section 538 guaranteed loan to finance a transfer and rehab, at USDA's lower 60 and 25 basis point preservation fees. How 515 transfers work with 538.

Watch a property for maturity or prepayment

Pick a Bay County property. We'll email when USDA's monthly file shows its use-restriction date, rental assistance, unit count or ownership type change, or when it drops out of the active portfolio, which is what happens when the loan is prepaid or paid off.

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Every property in one file: 515/514 portfolio download (CSV and JSON).