Michigan Property Tax
Michigan Property Tax Calculator (2026)
Estimate Michigan property taxes, review the statewide effective rate, browse county pages, and connect tax costs to mortgage payment planning.
Estimated Effective State Rate
1.19%
Sample Annual Tax on $425,000 Home
$5,058
FHA State Tier
Standard FHA Tier
Counties Covered
83
FHA Limit Tier Context in Michigan
State Tier Signal
Most counties in this state follow the standard FHA floor framework.
FHA 1-Unit Floor
$541,287
FHA 1-Unit Ceiling
$1,249,125
What Homebuyers in Michigan Should Know
- Balance tax assumptions with insurance and financing terms for accurate payment planning.
In the current NMC dataset, Michigan has an estimated effective property-tax rate of 1.19%, resulting in approximately $4,760 in annual property taxes on a $400,000 home.
Michigan County and Locality Pages
Highest property tax rates in Michigan
Among counties currently in the NMC dataset for this state.
- 1. Ingham County1.83%
- 2. Wayne County1.63%
- 3. Washtenaw County1.52%
- 4. Bay County1.49%
- 5. Saginaw County1.49%
Lowest property tax rates in Michigan
Among counties currently in the NMC dataset for this state.
- 1. Leelanau County0.68%
- 2. Benzie County0.79%
- 3. Otsego County0.80%
- 4. Alcona County0.82%
- 5. Emmet County0.83%
Alcona County
Estimated effective rate: 0.82%
Alger County
Estimated effective rate: 0.94%
Allegan County
Estimated effective rate: 1.08%
Alpena County
Estimated effective rate: 1.06%
Antrim County
Estimated effective rate: 0.84%
Arenac County
Estimated effective rate: 1.13%
Baraga County
Estimated effective rate: 1.22%
Barry County
Estimated effective rate: 1.05%
Bay County
Estimated effective rate: 1.49%
Benzie County
Estimated effective rate: 0.79%
Berrien County
Estimated effective rate: 1.08%
Branch County
Estimated effective rate: 1.16%
Calhoun County
Estimated effective rate: 1.45%
Cass County
Estimated effective rate: 0.97%
Charlevoix County
Estimated effective rate: 0.90%
Cheboygan County
Estimated effective rate: 0.89%
Chippewa County
Estimated effective rate: 1.26%
Clare County
Estimated effective rate: 1.11%
Clinton County
Estimated effective rate: 1.23%
Crawford County
Estimated effective rate: 1.06%
Delta County
Estimated effective rate: 1.13%
Dickinson County
Estimated effective rate: 1.27%
Eaton County
Estimated effective rate: 1.41%
Emmet County
Estimated effective rate: 0.83%
Genesee County
Estimated effective rate: 1.36%
Gladwin County
Estimated effective rate: 1.15%
Gogebic County
Estimated effective rate: 1.43%
Grand Traverse County
Estimated effective rate: 0.89%
Gratiot County
Estimated effective rate: 1.24%
Hillsdale County
Estimated effective rate: 0.99%
Houghton County
Estimated effective rate: 1.16%
Huron County
Estimated effective rate: 1.19%
Ingham County
Estimated effective rate: 1.83%
Ionia County
Estimated effective rate: 1.13%
Iosco County
Estimated effective rate: 0.96%
Iron County
Estimated effective rate: 1.34%
Isabella County
Estimated effective rate: 1.34%
Jackson County
Estimated effective rate: 1.26%
Kalamazoo County
Estimated effective rate: 1.45%
Kalkaska County
Estimated effective rate: 0.87%
Kent County
Estimated effective rate: 1.11%
Keweenaw County
Estimated effective rate: 0.99%
Lake County
Estimated effective rate: 1.09%
Lapeer County
Estimated effective rate: 0.92%
Leelanau County
Estimated effective rate: 0.68%
Lenawee County
Estimated effective rate: 1.27%
Livingston County
Estimated effective rate: 0.97%
Luce County
Estimated effective rate: 0.98%
Mackinac County
Estimated effective rate: 1.07%
Macomb County
Estimated effective rate: 1.40%
Manistee County
Estimated effective rate: 1.04%
Marquette County
Estimated effective rate: 0.97%
Mason County
Estimated effective rate: 1.06%
Mecosta County
Estimated effective rate: 0.99%
Menominee County
Estimated effective rate: 1.01%
Midland County
Estimated effective rate: 1.47%
Missaukee County
Estimated effective rate: 0.98%
Monroe County
Estimated effective rate: 1.16%
Montcalm County
Estimated effective rate: 1.01%
Montmorency County
Estimated effective rate: 0.86%
Muskegon County
Estimated effective rate: 1.18%
Newaygo County
Estimated effective rate: 1.10%
Oakland County
Estimated effective rate: 1.27%
Oceana County
Estimated effective rate: 1.01%
Ogemaw County
Estimated effective rate: 0.95%
Ontonagon County
Estimated effective rate: 1.16%
Osceola County
Estimated effective rate: 1.02%
Oscoda County
Estimated effective rate: 0.94%
Otsego County
Estimated effective rate: 0.80%
Ottawa County
Estimated effective rate: 1.02%
Presque Isle County
Estimated effective rate: 0.95%
Roscommon County
Estimated effective rate: 1.01%
Saginaw County
Estimated effective rate: 1.49%
Sanilac County
Estimated effective rate: 0.90%
Schoolcraft County
Estimated effective rate: 0.99%
Shiawassee County
Estimated effective rate: 1.31%
St. Clair County
Estimated effective rate: 1.14%
St. Joseph County
Estimated effective rate: 1.10%
Tuscola County
Estimated effective rate: 1.21%
Van Buren County
Estimated effective rate: 1.23%
Washtenaw County
Estimated effective rate: 1.52%
Wayne County
Estimated effective rate: 1.63%
Wexford County
Estimated effective rate: 1.13%
Need the National View?
Return to the national Property Tax Calculator to compare across states and scenarios.
Methodology and Data Sources
- Tax Foundation Facts & Figures: Property Tax as Percent of Home Value - State-level effective property tax rates (Updated: 2026-02-19)
- HUD/FHA Mortgagee Letter 2025-23 - 2026 FHA floor and high-cost ceiling frameworks (1-4 unit) (Updated: 2026-01-01)
Educational guidance only. Final loan terms and eligibility vary by county limits, credit, income, property profile, and lender guidelines.