Rock, Delta County, Michigan Property Taxes
Property Taxes in Rock, Michigan
Median Rock, Michigan effective property tax rate: 0.79%, significantly lower than the national median of 1.02%, and lower than the Michigan state median of 1.05%.
Median Rock, Michigan home value: $111,400
Median annual Rock, Michigan tax bill: $924, $1,476 lower than the national median property tax bill of $2,400.
How are property taxes in Delta calculated?
Property taxes in Rock, 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 Rock's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Rock, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Rock, Delta County, Michigan Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.79%
Estimate Property Tax Bill
$880
$817
How Does the Rock Property Tax Calculator Work?
Use this Rock property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Rock's median effective tax rate of 0.79% — based on actual property records in Delta County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local assessor uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Rock'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 Rock: rates are 0.79% in 49880, with no ZIP-level variation shown in the available data.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Rock.
About Rock Property Taxes
About Property Taxes in Rock, Delta, Michigan
Rock’s median effective property tax rate of 0.79% is lower than the Michigan state median of 1.05% and lower 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 Rock. Homeowners in the 49880 ZIP code carry a median effective rate of 0.79%, while those in the same ZIP code also pay 0.79%. This means there is no spread across the city, but it still reflects how school district boundaries and local assessment districts are drawn across Delta County. Understanding where you live in Rock can still help you better estimate your annual tax bill.
Rock 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 Rock, 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 Rock'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 Rock Tax Rate
0.79%
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 Rock, Delta County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 49880 | 0.50% | 0.62% | 0.79% | 1.08% | 1.53% |
Source: Ownwell
Property Tax Assessment Values Across Rock, Delta County, Michigan
When examining property taxes in Rock, 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 assessment office 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 the month when notices are sent.
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 Rock.
For example, the median home price in Rock is $111,400, with tax bills ranging significantly across the county. 49880 has the highest median home price at $111,400.
Property Tax Assessment Values Across Rock, Delta County, Michigan
Source: Ownwell
$51,500
$117,250
$183,000
Median Rock Market Value
$111,400
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 Rock, Delta County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 49880 | $37,400 | $70,200 | $111,400 | $163,700 | $237,800 |
Source: Ownwell
Property Tax Bills Across Rock, Delta County, Michigan
Rock homeowners in Delta County receive property tax bills based on the assessed value of their homes and the local tax rates set by taxing authorities. The tax bill is determined by applying those rates to the property’s assessed market value, so changes in home value can directly affect what a homeowner owes.
For Rock, the median home price is $111,400, and property tax bills vary across the area. The 25th percentile tax bill is $590, the 75th percentile is $1,306, and the 90th percentile is $1,917. The highest and lowest median tax bill in the area is $924 in ZIP code 49880.
Because property taxes are tied to value and local rates, homeowners with higher assessed values or fewer exemptions may pay more. These bills help fund local services, but they can also place a noticeable burden on homeowners, especially when assessed values rise faster than expected.
Median Rock Tax Bill
$924
Median Delta County Tax Bill
$1,626
Median Michigan Tax Bill
$2,084
Median United States Tax Bill
$2,400
Property Tax Bills Across Rock, Delta County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 49880 | $343 | $590 | $924 | $1,306 | $1,917 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | March 9 |
Links | |
|---|---|
| Delta Tax Assessor | |
| Website | bsaonline.com |