Garden, Delta County, Michigan Property Taxes
Property Taxes in Garden, Michigan
Median Garden, Michigan effective property tax rate: 1.07%, significantly higher than the national median of 1.02%, and higher than the Michigan state median of 1.05%.
Median Garden, Michigan home value: $132,100
Median annual Garden, Michigan tax bill: $1,423, $977 lower than the national median property tax bill of $2,400.
How are property taxes in Delta calculated?
Property taxes in Garden, 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 Garden's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Garden, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Garden, Delta County, Michigan Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.07%
Estimate Property Tax Bill
$1,413
$1,312
How Does the Garden Property Tax Calculator Work?
Use this Garden property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Garden's median effective tax rate of 1.07% — based on actual property records in Delta County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local assessment system uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Garden'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 Garden: rates range from 1.07% in 49835 to 1.07% in 49835, 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 Garden.
About Garden Property Taxes
About Property Taxes in Garden, Delta, Michigan
Garden’s median effective property tax rate of 1.07% is higher than the Michigan state median of 1.05% and higher than the national median of 1.02%. This rate reflects the Delta 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 Garden. Homeowners in ZIP code 49835 carry a median effective rate of 1.07%, while those in the same ZIP also pay 1.07%. This reflects how school district boundaries and local assessment districts are drawn across Delta County. Understanding which part of Garden you live in can make a meaningful difference to your annual tax bill.
Garden homeowners who believe their assessed value is too high can file a formal appeal with the 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 Garden, Delta 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 Garden'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 Garden Tax Rate
1.07%
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 Delta County Tax Rate
1.15%
Median Effective Michigan Tax Rate
1.05%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Garden, Delta County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 49835 | 0.68% | 0.86% | 1.07% | 1.56% | 1.83% |
Source: Ownwell
Property Tax Assessment Values Across Garden, Delta County, Michigan
When examining property taxes in Garden, 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 Delta 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 Delta County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of May.
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 Garden.
For example, the median home price in Garden is $132,100, with tax bills ranging significantly across the county. 49835 has the highest median home price at $132,100.
Property Tax Assessment Values Across Garden, Delta County, Michigan
Source: Ownwell
$51,500
$117,250
$183,000
Median Garden Market Value
$132,100
Median Delta County Market Value
$138,000
Median Michigan Market Value
$213,740
Median United States Market Value
$235,294
Property Tax Assessment Values Across Garden, Delta County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 49835 | $36,160 | $68,350 | $132,100 | $242,850 | $371,840 |
Source: Ownwell
Property Tax Bills Across Garden, Delta County, Michigan
Property tax bills in Garden are based on the assessed value of a home and the local tax rate set for Delta County. When a home’s market value changes, the assessed value used for taxation can change too, which can raise or lower the bill. The calculation also reflects local budgets and any applicable exemptions, so two homes with similar market values may still have different tax bills.
For homeowners, this means the property tax bill is not fixed. A higher home value can lead to a higher bill, while a lower assessed value or qualifying exemption can reduce what is owed. In Garden, the median home price is $132,100, and the median property tax bill in the area is $1,423. That is below the national median property tax bill of $2,400 and below the national median property tax rate of 1.02%. Bills can still vary widely, with the 25th percentile at $731 and the 90th percentile at $3,983.
Median Garden Tax Bill
$1,423
Median Delta County Tax Bill
$1,626
Median Michigan Tax Bill
$2,084
Median United States Tax Bill
$2,400
Property Tax Bills Across Garden, Delta County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 49835 | $412 | $731 | $1,423 | $2,670 | $3,983 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | March 9 |
Links | |
|---|---|
| Delta Tax Assessor | |
| Website | bsaonline.com |