Michigan · property tax
Michigan Property Tax Calculator
Estimate your Michiganproperty tax and monthly escrow from your home value, using the state's median effective rate.
Property tax in Michigan
Michigan's median effective property-tax rate is about 1.38% — roughly 53% above the US median of 0.9%. On a $400,000 home that is about $5,520 a year.Enter your home value below for a personalized estimate, and override the rate if you know your county's figure.
Median effective rate: 1.38%
Share of market value that is taxed (default 100%).
Know your county rate? Enter it to override the state median.
Estimated annual property tax
$5,520
$460.00/mo in escrow · 1.38% effective rate
- Assessed value
- $400,000
- Rate applied
- 1.38%
- Monthly (escrow)
- $460.00
- Annual property tax
- $5,520
This effective rate is about 53% above the US national median of 0.9%.
How Michigan property tax is calculated
Michiganproperty tax is your home's assessed value times the local tax rate set by your county, city, and school district. The 1.38% figure above is the state median effective rate — annual tax divided by home value — so your exact bill depends on where in Michigan you live. Use the local-rate override for a precise number.
Property tax by state
How Michigan compares to every other state and DC, with the estimated annual tax on a $400,000 home.
| State | Effective rate | Tax on $400,000 |
|---|---|---|
| Alabama | 0.4% | $1,600 |
| Alaska | 1.04% | $4,160 |
| Arizona | 0.63% | $2,520 |
| Arkansas | 0.62% | $2,480 |
| California | 0.75% | $3,000 |
| Colorado | 0.51% | $2,040 |
| Connecticut | 1.79% | $7,160 |
| Delaware | 0.58% | $2,320 |
| Florida | 0.86% | $3,440 |
| Georgia | 0.9% | $3,600 |
| Hawaii | 0.29% | $1,160 |
| Idaho | 0.63% | $2,520 |
| Illinois | 2.08% | $8,320 |
| Indiana | 0.84% | $3,360 |
| Iowa | 1.52% | $6,080 |
| Kansas | 1.34% | $5,360 |
| Kentucky | 0.83% | $3,320 |
| Louisiana | 0.56% | $2,240 |
| Maine | 1.24% | $4,960 |
| Maryland | 1.05% | $4,200 |
| Massachusetts | 1.14% | $4,560 |
| Michigan | 1.38% | $5,520 |
| Minnesota | 1.11% | $4,440 |
| Mississippi | 0.79% | $3,160 |
| Missouri | 0.97% | $3,880 |
| Montana | 0.74% | $2,960 |
| Nebraska | 1.63% | $6,520 |
| Nevada | 0.55% | $2,200 |
| New Hampshire | 1.93% | $7,720 |
| New Jersey | 2.23% | $8,920 |
| New Mexico | 0.67% | $2,680 |
| New York | 1.4% | $5,600 |
| North Carolina | 0.8% | $3,200 |
| North Dakota | 0.98% | $3,920 |
| Ohio | 1.53% | $6,120 |
| Oklahoma | 0.9% | $3,600 |
| Oregon | 0.93% | $3,720 |
| Pennsylvania | 1.49% | $5,960 |
| Rhode Island | 1.4% | $5,600 |
| South Carolina | 0.57% | $2,280 |
| South Dakota | 1.17% | $4,680 |
| Tennessee | 0.66% | $2,640 |
| Texas | 1.68% | $6,720 |
| Utah | 0.57% | $2,280 |
| Vermont | 1.83% | $7,320 |
| Virginia | 0.82% | $3,280 |
| Washington | 0.87% | $3,480 |
| West Virginia | 0.57% | $2,280 |
| Wisconsin | 1.61% | $6,440 |
| Wyoming | 0.56% | $2,240 |
| District of Columbia | 0.57% | $2,280 |
Frequently asked questions
How much is property tax in Michigan?+
Michigan's median effective property-tax rate is about 1.38% of a home's value. On a $400,000 home that's roughly $5,520 a year. Your exact bill depends on your county, city, and school-district rates within Michigan — enter your home value above and, if you know it, your local rate for a precise estimate.
How do I calculate my property tax?+
Multiply your home's value by your local effective property-tax rate. For example, a $400,000 home at a 0.74% effective rate owes about $2,960 a year, or roughly $247 a month in escrow. Enter your home value and state above to get the estimate for your area, then override the rate if you know your exact local millage.
How much is property tax on a house?+
It depends on the home's value and where it is. The US median effective property-tax rate is about 0.9%, so a typical $400,000 home pays around $3,600 a year — but rates range from under 0.3% in Hawaii to over 2% in New Jersey and Illinois. Use the calculator to see the estimate for your state and home value.
What is an effective property-tax rate?+
The effective rate is the annual property tax divided by the home's market value, expressed as a percent. It rolls the local millage (mill rate), the assessment ratio, and exemptions into one comparable number. This tool uses each state's median effective rate so you can compare states directly, and lets you swap in your own local rate.
What is the assessment ratio and when should I change it?+
The assessment ratio is the share of your home's market value that is actually taxed. Many places assess at 100% of market value, but some tax a fraction — say 80% or even 10% — of it. The default here is 100%; if your assessor's notice shows a lower assessed value, enter that ratio (assessed value ÷ market value) to sharpen the estimate.
How is property tax paid — monthly or once a year?+
Property tax is billed annually (sometimes semi-annually) by your county or city. If you have a mortgage, the lender usually collects one-twelfth of the yearly bill with each payment and holds it in an escrow account, then pays the tax when it's due. The monthly figure this calculator shows is that escrow amount.
Are these property-tax estimates exact?+
No — treat them as close estimates. Property tax is set by local jurisdictions (county, city, school district), so two homes in the same state can owe very different amounts. We use each state's median effective rate as a representative figure. For an exact number, check your assessor's or treasurer's office and enter your local rate and assessment ratio above.
Buying in Michigan? Add your mortgage, taxes, and insurance (PITI) for the full monthly payment.
Property tax is set by local jurisdictions within Michigan, so a single statewide rate can never be exact for one address — treat these as close estimates and verify with your county assessor or treasurer for official figures.