Charlevoix, Charlevoix County, Michigan Property Taxes
Property Taxes in Charlevoix, Michigan
Median Charlevoix, Michigan effective property tax rate: 0.86%, lower than the national median of 1.02%, and lower than the Michigan state median of 1.05%.
Median Charlevoix, Michigan home value: $349,900
Median annual Charlevoix, Michigan tax bill: $3,004, $604 higher than the national median property tax bill of $2,400.
How are property taxes in Charlevoix calculated?
Property taxes in Charlevoix, Michigan 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 Charlevoix's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Charlevoix, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Charlevoix, Charlevoix County, Michigan Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.86%
Estimate Property Tax Bill
$3,009
$2,792
How Does the Charlevoix Property Tax Calculator Work?
Use this Charlevoix property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Charlevoix's median effective tax rate of 0.86% — based on actual property records in Charlevoix County — to generate your estimate.
Enter your property's estimated assessed value — the figure used to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Charlevoix's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Your bill may vary by ZIP code within Charlevoix: rates range from 3004 in 49720 to 3004 in 49720, primarily due to differences in school district levies and local assessment districts.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Charlevoix.
About Charlevoix Property Taxes
About Property Taxes in Charlevoix, Charlevoix, Michigan
Charlevoix’s median effective property tax rate of 0.86% is lower than the county median of 1.05% and lower than the national median of 1.02%. This rate reflects the Charlevoix County base levy combined with local school district levies and tax increment finance districts that vary by subdivision throughout the city.
Property tax rates are not uniform across Charlevoix. Homeowners in the 49720 ZIP code carry a median effective rate of 0.86%, while those in the same ZIP code pay 0.86%. This spread reflects how school district boundaries and local assessment districts are drawn across Charlevoix County. Understanding which part of Charlevoix you live in can make a meaningful difference to your annual tax bill.
Charlevoix homeowners who believe their assessed value is too high can file a formal appeal with the local Tax Assessor before the March 9, 2026 deadline each year.
If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.
Property Tax Rates Across Charlevoix, Charlevoix County, Michigan
As noted earlier, local government entities set tax rates, which can vary widely within a state.
Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.
While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.
Below, you can compare Charlevoix's effective property tax rate to other cities in Michigan and the median property tax rates in Michigan and the U.S.
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 Charlevoix Tax Rate
0.86%
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 Charlevoix County Tax Rate
0.90%
Median Effective Michigan Tax Rate
1.05%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Charlevoix, Charlevoix County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 49720 | 0.57% | 0.69% | 0.86% | 1.23% | 1.63% |
Source: Ownwell
Property Tax Assessment Values Across Charlevoix, Charlevoix County, Michigan
When examining property taxes in Charlevoix, Michigan, 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 Charlevoix County appraisal district 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 Charlevoix County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of February.
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. For example, the median home price in Charlevoix is $349,900, with tax bills ranging significantly across the county. 49720 has the highest median home price at $349,900.
Property Tax Assessment Values Across Charlevoix, Charlevoix County, Michigan
Source: Ownwell
$200,000
$389,200
$578,400
Median Charlevoix Market Value
$349,900
Median Charlevoix County Market Value
$299,800
Median Michigan Market Value
$213,740
Median United States Market Value
$235,294
Property Tax Assessment Values Across Charlevoix, Charlevoix County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 49720 | $91,600 | $222,650 | $349,900 | $562,950 | $1,049,920 |
Source: Ownwell
Property Tax Bills Across Charlevoix, Charlevoix County, Michigan
Property tax bills in Charlevoix are based on the assessed value of a home and the local tax rate set by taxing authorities. When a property’s market value changes, the assessed value can change too, which affects the final bill. For a home with a median price of $349,900, the tax bill can vary widely depending on location and other local factors, including the services and levies that apply to the property.
In Charlevoix County, the median property tax bill is $3,004 in ZIP code 49720, which is above the national median property tax bill of $2,400. Homeowners may see bills that are much lower or much higher than that median, with the 25th percentile at $1,776 and the 75th percentile at $5,915. At the 90th percentile, bills reach $11,559, showing how much the cost can affect household budgets.
Median Charlevoix Tax Bill
$3,004
Median Charlevoix County Tax Bill
$2,666
Median Michigan Tax Bill
$2,084
Median United States Tax Bill
$2,400
Property Tax Bills Across Charlevoix, Charlevoix County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 49720 | $962 | $1,776 | $3,004 | $5,915 | $11,559 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | March 9 |
Links | |
|---|---|
| Charlevoix Tax Assessor | |
| Website | bsaonline.com |