Buying Your First Home in Bay Point in 2026

I am a first-time buyer looking at homes in Bay Point. What should I know before I make an offer?

Bay Point is an unincorporated community in Contra Costa County, so the County, not a city, handles its planning, building permits and policing. Before you offer, confirm who provides water and sewer to the address, check which Mt. Diablo Unified schools serve it, and read the property tax bill for direct charges. If you need help with the down payment, check CalHFA's current programs with a CalHFA-approved lender early.

This guide covers what "unincorporated" means for a Bay Point buyer, the agencies to know, CalHFA's programs as of October 2026, and the tax bill lines to read before you commit. It is general information, not lending or tax advice. Your lender decides what you qualify for.

What does "unincorporated" mean for a Bay Point buyer?

Bay Point is not a city. Delta Diablo describes it as "the unincorporated community of Bay Point," and Contra Costa County runs programs for it as part of unincorporated Contra Costa County. For a buyer, that changes who you call:

• Local government. There is no city council. County government serves Bay Point, and the Bay Point Municipal Advisory Council advises the Board of Supervisors on local services. Its members are nominated by the District V Supervisor.
• Building permits. The County's Department of Conservation and Development provides building permit and inspection services for unincorporated Contra Costa County. Permit history for a Bay Point address sits with the County, not the City of Pittsburg.
• Policing. The Contra Costa County Sheriff's Office lists unincorporated area policing among its duties.

Bay Point has no page of its own on this site. Bay Point and Pittsburg share the 94565 ZIP code and the Pittsburg/Bay Point BART station, so start with Pittsburg and Bay Point area homes for sale and read our Bay Point neighborhood overview for the bigger picture.

Six checks before you offer on a Bay Point home

1. Confirm the address is in Bay Point. The jurisdiction decides who issued permits and who provides services. Check the parcel on the County's CCMAP or the tax bill before you rely on any city rule.
2. Look up the permit history. The County's ePermits Center shows building permit and planning application history from January 1, 1980 to the present. Copies of plans can be requested from the County's Records Research Division, which takes about ten business days. Compare it with the additions and conversions in the listing.
3. Ask who provides water. Golden State Water Company serves its Bay Point Customer Service Area, about 4,900 customers by its own count. Ask the seller for a recent water bill so you know the provider and the account type for that address.
4. Know the sewer provider. Delta Diablo provides wastewater conveyance and treatment for Antioch, Pittsburg and Bay Point, and it runs the Bay Point wastewater collection system itself. Its sewer service charges are collected on the Contra Costa County property tax roll.
5. Check school assignment by address. Bay Point is part of Mt. Diablo Unified School District. In the district's published feeder pattern, Shore Acres Elementary, at a Bay Point address, feeds Riverview Middle and Mt. Diablo High. Use the district's school finder for the home you want and confirm the current assignment with the district.
6. Get the full tax picture. Ask for the current secured tax bill, not just the tax rate. The next section explains what to read on it.

Looking at a home in Bay Point? Jaz Chand can help you check the permits, utilities and tax bill before you write an offer. Call or text 925-250-9611.

First-time buyer programs to check with your lender

CalHFA does not lend directly. You apply through a CalHFA-approved lender, meet the lender's and the mortgage insurer's requirements, stay within CalHFA's income limits for the county, live in the home as your primary residence and complete homebuyer education. As of October 2026, CalHFA's website lists these options:

• MyHome Assistance. A deferred-payment junior loan for down payment or closing costs, up to the lesser of 3.5% of the price or appraised value with a CalHFA FHA first mortgage, or 3% with a CalHFA Conventional first mortgage. You must be a first-time buyer, and non-occupant co-borrowers are not allowed.
• Dream For All Shared Appreciation Loan. Up to 20% for down payment or closing costs, capped at $150,000, for first-generation buyers. You repay the loan plus a share of the home's appreciation when you sell, transfer or pay off the first mortgage. CalHFA says the application period for vouchers closed on March 16, 2026, so check its site for any future round.
• CalPLUS with the Zero Interest Program. A slightly higher fixed rate first mortgage paired with closing cost help. Ask your lender to compare the total cost.

CalHFA defines a first-time buyer as someone who has not owned and occupied their home in the last three years. Its accepted online education course is an eight-hour course that costs $100, or you can work with a HUD-approved housing counseling agency. For a fuller list of state and local options, read our guide to California first-time buyer programs and grants, and see how much down payment California buyers need.

What to read on a Bay Point tax bill

Contra Costa County's guide to the secured tax bill breaks it into parts, and each one matters for your monthly payment:

• The 1% general tax. Levied on every property in the County, based on the assessed value.
• Voted indebtedness. Voter-approved bond taxes, also based on assessed value.
• Special assessments and direct charges. These are not based on value. The County gives sewer, water and fire district charges as examples, and Delta Diablo's sewer charge is one of them. Each charge lists a phone number for the agency that sets it.
• Supplemental bills. After a change in ownership, the County reassesses the property and sends one or more supplemental bills in addition to the annual bill. Ask your lender whether your impound account will cover them.

The first installment is due November 1 and must be paid by December 10 to avoid penalties; the second is due February 1 and must be paid by April 10. Give your lender the real tax and direct charge figures so your pre-approval matches the home. If you are not sure your letter is ready, read is your pre-approval strong enough.

Getting around from Bay Point

The Pittsburg/Bay Point BART station sits at 1700 West Leland Road on the Antioch to SFIA/Millbrae line, with a transfer platform for BART to Antioch trains. Highway 4 runs past the community, and Caltrans' Route 4 exit list includes a Bay Point exit. Test the commute at your real travel times.

Frequently asked questions about buying in Bay Point

Sources

Delta Diablo, About Us: deltadiablo.org. Delta Diablo, Adopted Sewer Service Charges for Fiscal Year 2026/2027: deltadiablo.specialdistrict.org. Contra Costa County, Bay Point Area of Benefit: contracosta.ca.gov. Contra Costa County, Bay Point Municipal Advisory Council: contracosta.ca.gov. Contra Costa County, Permit Information: contracosta.ca.gov. Contra Costa County, Property and Zoning Research: contracosta.ca.gov. Contra Costa County Office of the Sheriff, Overview: cocosheriff.org. Golden State Water Company, Bay Point Customer Fact Sheet: gswater.com. Mt. Diablo Unified School District, School Feeder Pattern: mdusd.org. California Department of Education, Shore Acres Elementary school profile: cde.ca.gov. CalHFA, Homebuyer Programs, MyHome, Dream For All and Borrower Eligibility (October 2026): calhfa.ca.gov. Contra Costa County, How to Read Your Tax Bill: contracosta.ca.gov. Contra Costa County, Supplemental Property Taxes: contracosta.ca.gov. BART, Pittsburg/Bay Point Station: bart.gov. Caltrans, Route 4 exit list: dot.ca.gov. East Contra Costa figure from Jaz Chand's MLS and title records, 2011 to October 2026.

Jaz Chand | Homes With Accent
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