Ellsworth, Charlevoix County, Michigan Property Taxes
Property Taxes in Ellsworth, Michigan
Median Ellsworth, Michigan effective property tax rate: 0.75%, significantly lower than the national median of 1.02%, and lower than the Michigan state median of 1.05%.
Median Ellsworth, Michigan home value: $276,400
Median annual Ellsworth, Michigan tax bill: $1,898, $502 lower than the national median property tax bill of $2,400.
How are property taxes in Charlevoix calculated?
Property taxes in Ellsworth, 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 Ellsworth's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Ellsworth, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Ellsworth, Charlevoix County, Michigan Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.75%
Estimate Property Tax Bill
$2,073
$1,924
How Does the Ellsworth Property Tax Calculator Work?
Use this Ellsworth property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Ellsworth's median effective tax rate of 0.75% — based on actual property records in Charlevoix County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local assessment process uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Ellsworth'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 Ellsworth: rates range from 0.75% in 49729 to 0.75% in 49729, 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 Ellsworth.
About Ellsworth Property Taxes
About Property Taxes in Ellsworth, Charlevoix, Michigan
Ellsworth's median effective property tax rate of 0.75% is lower than the Michigan state 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 Ellsworth. Homeowners in the 49729 ZIP code carry a median effective rate of 0.75%, while those in 49729 pay 0.75%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Charlevoix County. Understanding which part of Ellsworth you live in can make a meaningful difference to your annual tax bill.
Ellsworth 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 Ellsworth, 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 Ellsworth'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 Ellsworth Tax Rate
0.75%
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 Ellsworth, Charlevoix County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 49729 | 0.50% | 0.60% | 0.75% | 1.04% | 1.24% |
Source: Ownwell
Property Tax Assessment Values Across Ellsworth, Charlevoix County, Michigan
When examining property taxes in Ellsworth, 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 assessor 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 Ellsworth is $276,400, with a median tax bill of $1,898. The highest median home price is in 49729 at $276,400.
Property Tax Assessment Values Across Ellsworth, Charlevoix County, Michigan
Source: Ownwell
$200,000
$389,200
$578,400
Median Ellsworth Market Value
$276,400
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 Ellsworth, Charlevoix County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 49729 | $131,240 | $181,800 | $276,400 | $398,200 | $550,720 |
Source: Ownwell
Property Tax Bills Across Ellsworth, Charlevoix County, Michigan
Property tax bills in Ellsworth are based on the assessed value of a home and the local tax rate set by taxing authorities in Charlevoix County. When a property’s market value rises, the assessed value can increase as well, which may lead to a higher tax bill. Homeowners in Ellsworth should also expect their bill to reflect local services and levies that apply to the property.
The median home price in Ellsworth is $276,400, and the median property tax bill is $1,898. That is below the national median property tax bill of $2,400 and slightly below the national median property tax rate of 1.02%. Tax bills vary widely, with the 25th percentile at $1,437 and the 75th percentile at $3,035, while the 90th percentile reaches $5,149. This means two homes with similar market values can still have very different tax bills depending on exemptions, assessments, and local rates.
Median Ellsworth Tax Bill
$1,898
Median Charlevoix County Tax Bill
$2,666
Median Michigan Tax Bill
$2,084
Median United States Tax Bill
$2,400
Property Tax Bills Across Ellsworth, Charlevoix County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 49729 | $1,019 | $1,437 | $1,898 | $3,035 | $5,149 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | March 9 |
Links | |
|---|---|
| Charlevoix Tax Assessor | |
| Website | bsaonline.com |