Saginaw County, Michigan Property Taxes

Name: Property Tax Bills Across Saginaw County, Michigan
Creator: Ownwell
License: https://creativecommons.org/licenses/by-nc/4.0/

Median Saginaw County effective property tax rate: 0.78%, significantly lower than the national median of 1.02%. Median Saginaw County home value: $119,800. Median annual Saginaw County tax bill: $894, which is $1,506 lower than the national median property tax bill of $2,400.

How are property taxes in Saginaw County calculated?

Property taxes in Saginaw County are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.

Understanding your county's property tax system, exemptions, and reduction opportunities can lead to significant savings. Whether you live in Saginaw or another part of Saginaw County, knowing local tax details benefits homeowners and investors.

Last Updated March 1, 2025

Saginaw County, Michigan Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

0.78%

Estimate Property Tax Bill

$934

$867

Ownwell’s Saginaw County Property Tax Bill Calculator empowers homeowners, real estate investors, and potential buyers to estimate their annual property taxes in Saginaw County with just two data points. By entering your property's estimated assessed value, our calculator applies Saginaw County’s median effective tax rate to accurately estimate your property tax bill. Note that your property's assessed value — determined by your county — reflects any exemptions you may have, ensuring a more precise calculation for your property tax obligations. This insightful tool helps you understand potential tax liabilities and highlights how Ownwell can assist in reducing property taxes in Saginaw County. For those interested in more localized information, please scroll down to explore city-level trends!

Property Tax Rates Across Saginaw County, Michigan

Local government entities determine tax rates, which can differ significantly within a state. Each year, counties estimate their required budget to provide essential services and divide that by the total value of all taxable property within their jurisdiction. This calculation results in the property tax rate. While votes and laws play a role in setting these rates and budgets, this is the fundamental annual process.

Saginaw County's effective property tax rate can be compared to other counties in Michigan or the U.S. median. With a median property tax rate of 0.78%, Saginaw County is below the national median of 1.02%. This places Saginaw County in a favorable position for homeowners compared to the national average. Within the county, Saginaw city has the highest median tax rate at 0.98%, while Bridgeport boasts the lowest at 0.40%. These variations highlight the importance of understanding local tax rates and their potential impact on property owners. By staying informed, property owners can make better decisions and potentially save on their annual tax bills.

Property Tax Rates Across Saginaw County, Michigan

Source: Ownwell

0.28%

1.21%

2.14%

Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.

Median Effective Saginaw County Tax Rate

0.78%

Median Effective Michigan Tax Rate

1.07%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Saginaw County, Michigan

City	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
Bannister	0.18%	0.23%	0.29%	0.36%	0.42%
Bay City	0.34%	0.47%	0.63%	0.80%	1.26%
Birch Run	0.26%	0.36%	0.40%	0.46%	0.63%
Brant	0.17%	0.26%	0.35%	0.40%	0.47%
Bridgeport	0.32%	0.37%	0.40%	0.47%	0.53%
Burt	0.23%	0.35%	0.40%	0.44%	0.50%
Carrollton	0.29%	0.37%	0.40%	0.44%	0.50%
Chesaning	0.20%	0.36%	0.43%	1.01%	1.25%
Clio	0.35%	0.38%	0.39%	0.43%	0.48%
Elsie	0.16%	0.20%	0.28%	0.35%	0.42%
Frankenmuth	0.25%	0.42%	0.86%	1.06%	1.28%
Freeland	0.37%	0.43%	0.46%	0.49%	0.53%
Hemlock	0.20%	0.36%	0.43%	0.47%	0.52%
Henderson	0.18%	0.20%	0.31%	0.41%	0.47%
Merrill	0.20%	0.29%	0.44%	0.55%	0.96%
Montrose	0.28%	0.36%	0.40%	0.44%	0.49%
Munger	0.20%	0.20%	0.41%	0.47%	0.55%
New Lothrop	0.16%	0.23%	0.38%	0.42%	0.49%
Oakley	0.20%	0.32%	0.43%	0.51%	1.34%
Reese	0.20%	0.24%	0.40%	0.43%	0.49%
Saginaw	0.42%	0.62%	0.98%	2.07%	2.71%
Saint Charles	0.23%	0.37%	0.44%	0.87%	1.20%
Owosso	N/A	N/A	N/A	N/A	N/A
Vassar	N/A	N/A	N/A	N/A	N/A
Wheeler	N/A	N/A	N/A	N/A	N/A
Zilwaukee	N/A	N/A	N/A	N/A	N/A

Source: Ownwell

Property Tax Assessment Values Across Saginaw County, Michigan

When examining property taxes in Saginaw County, understanding the distinction between "market value" and "assessed value" is crucial.

The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Saginaw County Equalization Department estimates the market value for tax purposes.

The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.

Assessment notices:

In Saginaw County, assessment notices are sent in the spring each year. They’ll typically reach your mailbox by the middle of March.

Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Saginaw County.

For example, the median tax bill in Saginaw County is $1,416, with tax bills ranging significantly across the county. Frankenmuth has the highest median home price at $261,400.

Property Tax Assessment Values Across Saginaw County, Michigan

Source: Ownwell

$24,800

$143,100

$261,400

Median Saginaw County Market Value

$119,800

Median Michigan Market Value

$177,800

Median United States Market Value

$235,294

Property Tax Assessment Values Across Saginaw County, Michigan

City	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
Bannister	$44,800	$97,400	$151,800	$229,800	$342,100
Bay City	$105,280	$117,200	$141,600	$194,200	$240,960
Birch Run	$91,640	$127,600	$172,000	$236,200	$309,960
Brant	$49,120	$93,600	$145,200	$206,200	$282,480
Bridgeport	$73,660	$98,350	$127,500	$171,600	$246,200
Burt	$85,880	$115,000	$161,600	$212,700	$297,520
Carrollton	$30,700	$37,550	$48,600	$61,500	$79,300
Chesaning	$66,840	$104,400	$152,400	$221,800	$331,200
Clio	$93,900	$102,000	$136,900	$172,100	$182,800
Elsie	$34,880	$77,700	$125,700	$199,100	$301,720
Frankenmuth	$148,000	$199,800	$261,400	$345,800	$480,960
Freeland	$110,460	$151,200	$222,400	$307,250	$417,600
Hemlock	$89,000	$125,600	$184,800	$256,400	$365,960
Henderson	$77,040	$113,800	$157,000	$243,600	$403,440
Merrill	$64,600	$96,350	$141,700	$214,900	$374,100
Montrose	$94,240	$122,600	$167,200	$233,950	$296,740
Munger	$137,500	$166,900	$218,000	$263,600	$277,100
New Lothrop	$117,800	$162,600	$215,900	$304,600	$480,900
Oakley	$42,600	$86,750	$138,100	$199,800	$296,660
Reese	$112,900	$146,050	$202,500	$277,700	$448,680
Saginaw	$24,400	$41,600	$84,000	$152,200	$231,600
Saint Charles	$66,660	$100,400	$146,400	$217,800	$322,340
Owosso	N/A	N/A	N/A	N/A	N/A
Vassar	N/A	N/A	N/A	N/A	N/A
Wheeler	N/A	N/A	N/A	N/A	N/A
Zilwaukee	N/A	N/A	N/A	N/A	N/A

Source: Ownwell

Property Tax Bills Across Saginaw County, Michigan

In Saginaw County, MI, property tax bills are determined based on the assessed value of a home, which is typically half of the market value. With a median home price of $119,800, the tax bills can vary significantly. For instance, the tax bill at the 25th percentile is $529, while at the 75th percentile, it reaches $1,416. At the 90th percentile, homeowners might see a bill as high as $2,114. These figures illustrate the variability in tax burdens across the county. Frankenmuth stands out with the highest median tax bill of $1,982, whereas Carrollton offers some relief with the lowest median tax bill at $204. Comparatively, the national median property tax rate is 1.02%, resulting in a median tax bill of $2,400. This indicates that Saginaw County's tax rates are generally more affordable. Understanding these factors is crucial for homeowners as it directly impacts their annual expenses and can influence decisions related to buying or selling property in the area.

Property Tax Bills Across Saginaw County, Michigan

Source: Ownwell

$204

$1,093

$1,982

Median Saginaw County Tax Bill

$894

Median Michigan Tax Bill

$1,795

Median United States Tax Bill

$2,400

Property Tax Bills Across Saginaw County, Michigan

City	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
Bannister	$135	$262	$451	$649	$1,097
Bay City	$524	$699	$738	$1,128	$2,855
Birch Run	$307	$500	$714	$987	$1,401
Brant	$140	$269	$483	$736	$1,036
Bridgeport	$282	$399	$538	$713	$982
Burt	$281	$424	$624	$855	$1,135
Carrollton	$114	$149	$204	$256	$317
Chesaning	$287	$507	$805	$1,223	$1,731
Clio	$368	$406	$532	$655	$762
Elsie	$114	$186	$321	$490	$807
Frankenmuth	$611	$1,094	$1,982	$2,850	$4,221
Freeland	$457	$669	$1,005	$1,438	$1,981
Hemlock	$295	$462	$734	$1,048	$1,505
Henderson	$194	$337	$488	$734	$1,096
Merrill	$284	$449	$672	$918	$1,281
Montrose	$328	$464	$656	$897	$1,178
Munger	$526	$573	$756	$1,022	$1,287
New Lothrop	$346	$529	$767	$1,045	$1,446
Oakley	$225	$398	$624	$897	$1,247
Reese	$337	$521	$747	$1,013	$1,459
Saginaw	$326	$555	$977	$1,495	$2,167
Saint Charles	$256	$479	$778	$1,171	$1,706
Owosso	N/A	N/A	N/A	N/A	N/A
Vassar	N/A	N/A	N/A	N/A	N/A
Wheeler	N/A	N/A	N/A	N/A	N/A
Zilwaukee	N/A	N/A	N/A	N/A	N/A

Source: Ownwell