Saint Clair Shores, Michigan Property Taxes
The median property tax rate in Saint Clair Shores, MI is 1.52%, considerably higher than both the national median of 0.99% and the Michigan state median of 1.07%. With the median home value in Saint Clair Shores at $177,000, the typical annual property tax bill reaches $2,922, exceeding the national median of $2,690. Property taxes in Saint Clair Shores are calculated based on the tax assessed value, which typically falls below the market value due to various exemptions like the primary residence and agricultural exemptions. Understanding Saint Clair Shores' property tax system, exploring available exemptions, and identifying opportunities for reductions can lead to significant annual savings. Whether you're in the heart of Saint Clair Shores or another part of the city, understanding the local property tax system will benefit both homeowners and real estate investors.
Last Updated June 14, 2024
Saint Clair Shores, Michigan Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Average Tax Rate
1.52%
Estimate Property Tax Bill
$2,690
Ownwell’s Saint Clair Shores Property Tax Bill Calculator helps any homeowner, real estate investor, or potential owner estimate their annual property taxes in Saint Clair Shores with just two data points. By entering your property's estimated assessed value, the calculator applies the median tax rate in Saint Clair Shores to estimate your property tax bill. This insightful tool helps you understand potential tax liabilities. If you’re interested in seeing trends on a neighborhood level, scroll down to find more localized information. Your property’s assessed value is the value assigned by the county for property tax calculations, accounting for any exemptions that may apply.
Property Tax Rates Across Saint Clair Shores, Michigan
Property taxes in Saint Clair Shores, Michigan, play a crucial role in funding essential local services such as public schools, road maintenance, and emergency services. The median tax rate in Saint Clair Shores is 1.52%, which is significantly higher than both the Michigan state median and the U.S. national median of 0.99%. Local government entities within Saint Clair Shores set these rates annually, and they can vary significantly across different neighborhoods. Each year, Saint Clair Shores estimates its required budget to maintain services for the upcoming fiscal year, then divides this budget by the total value of all taxable property within the jurisdiction to calculate the property tax rate. While tax rates and budgets are influenced by laws and voter input, this calculation forms the basis of setting property tax rates. The data below compares Saint Clair Shores' effective property tax rate to other areas in Macomb County and the national median. For comparison, the 48080 zip code has the highest median property tax rate of 1.58%, while the 48082 zip code has the lowest median tax rate of 1.49%. Understanding how these areas compare with Saint Clair Shores provides valuable insights into the varying tax landscape across Macomb County, helping homeowners gain a clearer picture of their property tax obligations relative to neighboring areas.
Average Saint Clair Shores Tax Rate
1.52%
Average Macomb County Tax Rate
1.19%
Average Michigan Tax Rate
1.07%
Average United States Tax Rate
0.99%
Property Tax Rates Across Saint Clair Shores, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 48080 | 1.18% | 1.30% | 1.58% | 2.17% | 2.48% |
| 48081 | 1.23% | 1.33% | 1.51% | 2.01% | 2.34% |
| 48082 | 1.20% | 1.33% | 1.49% | 2.06% | 2.37% |
Source: Ownwell
Property Tax Assessment Values Across Saint Clair Shores, Michigan
In Saint Clair Shores, Michigan, understanding the difference between "market value" and "assessed value" is crucial for comprehending property taxes. The market value is the price a willing buyer would pay a willing seller in an open and competitive market, influenced by factors like location, property condition, and economic trends. This value is estimated by the Macomb County Appraisal District for tax purposes. In contrast, the assessed value is the market value minus any applicable exemptions or limits based on local laws and available programs. The assessed value is then used to calculate your property taxes by multiplying it by the combined tax rates of all relevant taxing entities. In Saint Clair Shores, assessment notices are typically mailed out in the spring, usually by mid-April. These notices provide homeowners with both the market and assessed values, along with an estimate of the annual property tax bill. For instance, the median home price in Saint Clair Shores is $177,000. The highest median tax bill of $3,119 is found in the 48081 zip code, while the lowest median tax bill of $2,822 is in the 48082 zip code. By understanding the distinction between these valuation concepts, property owners can better navigate their tax responsibilities and comprehend how their property taxes are determined. Being aware of these valuation processes in Saint Clair Shores helps identify opportunities for protesting assessments or applying for exemptions to effectively manage the tax burden.
Property Tax Assessment Values Across Saint Clair Shores, Michigan
Source: Ownwell
$78,140
$314,270
$550,400
Average Saint Clair Shores Assessed Value
$177,000
Average Macomb County Assessed Value
$209,990
Average Michigan Assessed Value
$177,800
Average United States Assessed Value
$244,900
Property Tax Assessment Values Across Saint Clair Shores, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 48080 | $112,000 | $142,400 | $172,400 | $204,000 | $263,140 |
| 48081 | $144,800 | $165,200 | $185,000 | $223,550 | $304,200 |
| 48082 | $133,400 | $155,600 | $173,200 | $199,950 | $242,780 |
Source: Ownwell
Property Tax Bills Across Saint Clair Shores, Michigan
In Saint Clair Shores, property tax bills are determined by assessing the market value of a home and applying the local tax rate to that value. The median home price in this area is $177,000. Property taxes are calculated based on a percentage of this assessed value, which is then multiplied by the local tax rate set by the county and other taxing authorities. Several factors influence the final tax bill, including property characteristics, location, and any applicable exemptions or deductions. For instance, homes in the 48081 zip code see the highest median tax bill at $3,119, while those in the 48082 zip code have a slightly lower median tax bill of $2,822. Homeowners in Saint Clair Shores face varying tax bills. The 25th percentile tax bill is $2,258, while those in the 75th percentile pay around $3,926. The top 10% of tax bills can reach up to $5,113. These taxes fund essential local services like schools, public safety, and infrastructure, directly impacting the community's quality of life.
Average Saint Clair Shores Tax Bill
$2,922
Average Macomb County Tax Bill
$2,603
Average Michigan Tax Bill
$1,795
Average United States Tax Bill
$2,690
Property Tax Bills Across Saint Clair Shores, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 48080 | $1,541 | $2,134 | $2,836 | $3,882 | $4,995 |
| 48081 | $2,041 | $2,378 | $3,119 | $4,124 | $5,616 |
| 48082 | $1,779 | $2,244 | $2,822 | $3,725 | $4,697 |
Source: Ownwell