Midland, Midland County, Michigan Property Taxes
Property Taxes in Midland, Michigan
Median Midland, Michigan effective property tax rate: 1.14%, significantly higher than the national median of 1.02%, and higher than the Michigan state median of 1.05%.
Median Midland, Michigan home value: $192,000
Median annual Midland, Michigan tax bill: $1,823, $577 lower than the national median property tax bill of $2,400.
How are property taxes in Midland calculated?
Property taxes in Midland, 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 Midland's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Midland, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Midland, Midland County, Michigan Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.14%
Estimate Property Tax Bill
$2,189
$2,031
How Does the Midland Property Tax Calculator Work?
Use this Midland property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Midland's median effective tax rate of 1.14% — based on actual property records in Midland County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Midland'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 Midland: rates range from $1,567 in 48640 to $2,043 in 48642, 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 Midland.
About Midland Property Taxes
About Property Taxes in Midland, Midland, Michigan
Midland’s median effective property tax rate of 1.14% is higher than the Michigan state median of 1.05% and higher than the national median of 1.02%. This rate reflects the Midland 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 Midland. Homeowners in the 48642 ZIP code carry a median effective rate of 1.16%, while those in 48640 pay 1.09%. This spread — 0.07 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Midland County. Understanding which part of Midland you live in can make a meaningful difference to your annual tax bill.
Midland 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 Midland, Midland 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 Midland'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 Ă· 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 Midland Tax Rate
1.14%
Our median effective property tax rate (tax bill Ă· 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 Midland County Tax Rate
0.53%
Median Effective Michigan Tax Rate
1.05%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Midland, Midland County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 48640 | 0.39% | 0.43% | 1.09% | 1.32% | 1.51% |
| 48642 | 0.41% | 0.47% | 1.16% | 1.32% | 1.53% |
Source: Ownwell
Property Tax Assessment Values Across Midland, Midland County, Michigan
When examining property taxes in Midland, 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 Midland 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 are sent in the spring each year and typically reach your mailbox by the middle of the month. 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 Midland is $192,000, with tax bills ranging significantly across the county. 48642 has the highest median home price at $198,800, while 48642 has the highest median tax bill at $2,043. Midland’s median tax bill of $1,823 is below the national median property tax bill of $2,400.
Property Tax Assessment Values Across Midland, Midland County, Michigan
Source: Ownwell
$90,500
$148,550
$206,600
Median Midland Market Value
$192,000
Median Midland County Market Value
$183,600
Median Michigan Market Value
$213,740
Median United States Market Value
$235,294
Property Tax Assessment Values Across Midland, Midland County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 48640 | $99,400 | $129,800 | $184,400 | $262,800 | $365,760 |
| 48642 | $103,600 | $145,800 | $198,800 | $304,600 | $472,800 |
Source: Ownwell
Property Tax Bills Across Midland, Midland County, Michigan
Property tax bills in Midland are based on the assessed value of a home, not the market price alone. Local taxing authorities apply their tax rates to that assessed value to determine the annual bill, so two homes with similar market values can still owe different amounts if their assessments differ. In Midland, the median home price is $192,000, and property tax bills vary across the city depending on location and the specific tax rates that apply.
For homeowners, the bill is shaped by the home’s assessed value, local levies, and any exemptions or adjustments that may apply. The 25th percentile tax bill is $975, while the 75th percentile is $2,949 and the 90th percentile is $4,494, showing how much bills can rise for higher-assessed properties or areas with higher rates. The highest median tax bill is $2,043 in ZIP code 48642, while the lowest median tax bill is $1,567 in ZIP code 48640. These differences can make a meaningful impact on monthly budgeting and long-term housing costs.
Median Midland Tax Bill
$1,823
Median Midland County Tax Bill
$1,337
Median Michigan Tax Bill
$2,084
Median United States Tax Bill
$2,400
Property Tax Bills Across Midland, Midland County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 48640 | $487 | $808 | $1,567 | $2,901 | $4,321 |
| 48642 | $581 | $1,288 | $2,043 | $2,982 | $4,673 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | March 9 |
Links | |
|---|---|
| Midland Tax Assessor | |
| Website | bsaonline.com |