Toivola, Ontonagon County, Michigan Property Taxes
Property Taxes in Toivola, Michigan
Median Toivola, Michigan effective property tax rate: 1.03%, significantly lower than the national median of 1.02%, and slightly lower than the Michigan state median of 1.05%.
Median Toivola, Michigan home value: $80,110
Median annual Toivola, Michigan tax bill: $858, lower than the national median property tax bill of $2,400.
How are property taxes in Ontonagon calculated?
Property taxes in Toivola, 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 Toivola's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Toivola, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Toivola, Ontonagon County, Michigan Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.03%
Estimate Property Tax Bill
$825
$766
How Does the Toivola Property Tax Calculator Work?
Use this Toivola property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Toivola's median effective tax rate of 1.03% — based on actual property records in Ontonagon 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 Toivola'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 Toivola: rates range from 1.03% in 49965 to 1.03% in 49965, 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 Toivola.
About Toivola Property Taxes
About Property Taxes in Toivola, Ontonagon, Michigan
Toivola’s median effective property tax rate of 1.03% is higher than the Michigan state median of 1.05% and higher than the national median of 1.02%. This rate reflects the Ontonagon 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 Toivola. Homeowners in ZIP code 49965 carry a median effective rate of 1.03%, while those in 49965 pay 1.03%. This spread — 0 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Ontonagon County. Understanding which part of Toivola you live in can make a meaningful difference to your annual tax bill.
Toivola 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 Toivola, Ontonagon 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 Toivola'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 Toivola Tax Rate
1.03%
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 Ontonagon County Tax Rate
0.63%
Median Effective Michigan Tax Rate
1.05%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Toivola, Ontonagon County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 49965 | 0.49% | 0.66% | 1.03% | 1.55% | 2.09% |
Source: Ownwell
Property Tax Assessment Values Across Toivola, Ontonagon County, Michigan
When examining property taxes in Toivola, 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 Ontonagon 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 Ontonagon County, assessment notices are sent in February each year.
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 context, the median home price in Toivola is $80,110, while the median tax bill is $858. That is well below the national median property tax bill of $2,400 and the national median property tax rate of 1.02%. The highest median home price in the area is $80,110 in zip code 49965.
Property Tax Assessment Values Across Toivola, Ontonagon County, Michigan
Source: Ownwell
$46,400
$138,190
$229,980
Median Toivola Market Value
$80,110
Median Ontonagon County Market Value
$85,280
Median Michigan Market Value
$213,740
Median United States Market Value
$235,294
Property Tax Assessment Values Across Toivola, Ontonagon County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 49965 | $28,420 | $45,570 | $80,110 | $158,865 | $307,940 |
Source: Ownwell
Property Tax Bills Across Toivola, Ontonagon County, Michigan
Property tax bills in Toivola are calculated by applying the local property tax rate to a home’s assessed value, which is based on the market value of the property. For a typical home with a median value of $80,110, the final bill depends on how local taxing authorities set their rates and how the property is classified. Because the tax bill is tied to assessed value, changes in the housing market can affect what homeowners owe each year.
The typical property tax bill in the area is $858.00, and the county’s tax burden is lower than the national median property tax bill of $2,400. Homeowners may see bills that vary widely, with the 25th percentile at $472 and the 75th percentile at $1,421. Higher-value assessments can lead to larger bills, with the 90th percentile reaching $3,075. These taxes help fund local services, but they also directly affect monthly housing costs and long-term affordability for homeowners.
Median Toivola Tax Bill
$858
Median Ontonagon County Tax Bill
$549
Median Michigan Tax Bill
$2,084
Median United States Tax Bill
$2,400
Property Tax Bills Across Toivola, Ontonagon County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 49965 | $315 | $472 | $858 | $1,421 | $3,075 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | March 9 |
Links | |
|---|---|
| Ontonagon Tax Assessor | |
| Website | bsaonline.com |