Saginaw County, Michigan Property Taxes
Property Taxes in Saginaw County, Michigan
Median Saginaw County effective property tax rate: 0.75%, significantly lower than the national median of 1.02%.
Median Saginaw County home value: $133,200
Median annual Saginaw County tax bill: $971, $1,429 lower than the national median property tax bill of $2,400.
How are property taxes in Saginaw County calculated?
Property taxes in Saginaw County 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.
Why is the Saginaw County property tax rate important? Because the county’s 0.75% effective tax rate is lower than the national median and can affect what homeowners pay each year.
What can lower a property tax bill in Saginaw County? Property tax exemptions and reduction opportunities can help reduce the tax assessed value and create meaningful savings.
Whether you live in Saginaw or another part of Saginaw County, understanding local property taxes can help homeowners and investors make smarter decisions.
Last Updated April 13, 2026
Saginaw County, Michigan Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.75%
Estimate Property Tax Bill
$999
$927
How Does the Saginaw County Property Tax Calculator Work?
Use this Saginaw County property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Saginaw County's median effective tax rate of 0.75% to generate your estimate.
Enter your property's estimated assessed value — the figure the appraisal district assigns for tax purposes, which is typically lower than market value after applicable exemptions. Our calculator uses the median effective rate for a more accurate estimate than the statutory millage rate alone.
Your actual bill may vary based on your specific exemptions, local school district levies, and any special assessment districts that apply to your property. Saginaw County's median tax rate is lower than the Michigan median tax rate of 1.05%, and the county's median tax bill of $971 is $1,429 below the national median property tax bill of $2,400.
For a more precise estimate, scroll down to explore city and ZIP code-level tax rate trends across Saginaw County.
Property Tax Rates Across Saginaw County, Michigan
What Are Effective Property Tax Rates Across Saginaw County?
Local government entities set tax rates, which vary widely across Saginaw County. Each year, the county estimates its budget for public services and divides that total by the assessed value of all taxable property within its jurisdiction.
Below, compare Saginaw County's effective property tax rate to other counties in Michigan or the U.S. median of 1.02%.
Saginaw County's median effective rate stands at 0.75%, which is lower than the national median of 1.02%. Within Saginaw County, the highest rate is found in Saginaw at 0.93%, while Munger has the lowest at 0.42%.
These variations reflect differences in local school district levies, Tax increment finance districts assessments, and special district bonds — which compound the base county rate.
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 Saginaw County 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 Michigan Tax Rate
1.05%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Saginaw County, Michigan
| City | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Bannister | 0.26% | 0.28% | 0.33% | 0.37% | 0.46% |
| Bay City | 0.52% | 0.57% | 0.61% | 1.11% | 1.39% |
| Birch Run | 0.33% | 0.35% | 0.39% | 0.46% | 0.60% |
| Brant | 0.27% | 0.32% | 0.37% | 0.42% | 0.49% |
| Bridgeport | 0.33% | 0.35% | 0.37% | 0.44% | 0.49% |
| Burt | 0.31% | 0.35% | 0.39% | 0.45% | 0.50% |
| Carrollton | 0.28% | 0.35% | 0.38% | 0.42% | 0.46% |
| Chesaning | 0.34% | 0.38% | 0.43% | 1.01% | 1.19% |
| Clio | 0.35% | 0.35% | 0.36% | 0.45% | 0.50% |
| Elsie | 0.25% | 0.28% | 0.33% | 0.37% | 0.46% |
| Frankenmuth | 0.38% | 0.46% | 0.73% | 0.87% | 1.09% |
| Freeland | 0.38% | 0.41% | 0.43% | 0.47% | 0.52% |
| Hemlock | 0.36% | 0.39% | 0.42% | 0.46% | 0.50% |
| Henderson | 0.28% | 0.34% | 0.36% | 0.42% | 0.47% |
| Merrill | 0.36% | 0.40% | 0.45% | 0.85% | 0.99% |
| Montrose | 0.32% | 0.35% | 0.38% | 0.41% | 0.46% |
| Munger | 0.38% | 0.39% | 0.42% | 0.45% | 0.51% |
| New Lothrop | 0.31% | 0.35% | 0.38% | 0.41% | 0.47% |
| Oakley | 0.34% | 0.38% | 0.42% | 0.53% | 1.22% |
| Reese | 0.33% | 0.37% | 0.39% | 0.44% | 0.47% |
| Saginaw | 0.39% | 0.59% | 0.93% | 1.89% | 2.48% |
| Saint Charles | 0.35% | 0.39% | 0.44% | 0.98% | 1.15% |
| Owosso | N/A | N/A | N/A | N/A | N/A |
| Vassar | N/A | N/A | N/A | N/A | N/A |
| Wheeler | N/A | N/A | N/A | N/A | N/A |
| Zilwaukee | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Assessment Values Across Saginaw County, Michigan
When examining property taxes in Saginaw County, 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 Saginaw County assessing authority 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 Saginaw 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. 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 Saginaw County.
For example, the median tax bill in Saginaw County is $971, compared with the national median property tax bill of $2,400. Tax bills range significantly across the county, from $214 in Carrollton to $1,906 in Frankenmuth. Frankenmuth also has the highest median home price at $276,000, while the county median home price is $133,200.
Property Tax Assessment Values Across Saginaw County, Michigan
Source: Ownwell
$28,400
$152,200
$276,000
Median Saginaw County Market Value
$133,200
Median Michigan Market Value
$213,740
Median United States Market Value
$235,294
Property Tax Assessment Values Across Saginaw County, Michigan
| City | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Bannister | $34,760 | $71,750 | $139,100 | $187,350 | $238,380 |
| Bay City | $122,520 | $128,300 | $146,800 | $192,000 | $584,660 |
| Birch Run | $109,400 | $144,800 | $192,100 | $259,250 | $337,060 |
| Brant | $57,040 | $100,300 | $147,000 | $203,700 | $273,040 |
| Bridgeport | $87,220 | $114,800 | $144,500 | $189,650 | $255,540 |
| Burt | $97,640 | $126,400 | $170,400 | $227,700 | $289,800 |
| Carrollton | $35,640 | $44,000 | $55,000 | $72,050 | $89,260 |
| Chesaning | $73,360 | $116,000 | $157,600 | $217,000 | $288,920 |
| Clio | $102,260 | $112,850 | $153,400 | $195,100 | $207,260 |
| Elsie | $30,400 | $56,700 | $107,100 | $148,950 | $195,020 |
| Frankenmuth | $171,140 | $223,050 | $276,000 | $361,750 | $491,260 |
| Freeland | $129,200 | $172,950 | $256,500 | $348,650 | $472,320 |
| Hemlock | $99,280 | $134,600 | $193,000 | $267,200 | $371,520 |
| Henderson | $47,240 | $103,200 | $134,800 | $188,800 | $231,120 |
| Merrill | $69,800 | $97,200 | $138,400 | $190,200 | $257,480 |
| Montrose | $107,440 | $137,600 | $185,000 | $248,200 | $317,240 |
| Munger | $158,180 | $184,400 | $194,100 | $263,950 | $294,220 |
| New Lothrop | $132,620 | $171,200 | $209,800 | $268,500 | $328,740 |
| Oakley | $46,800 | $94,000 | $136,600 | $195,400 | $250,400 |
| Reese | $120,320 | $155,750 | $203,100 | $255,850 | $323,120 |
| Saginaw | $28,400 | $50,600 | $100,400 | $172,200 | $254,400 |
| Saint Charles | $77,000 | $110,200 | $154,300 | $221,150 | $299,280 |
| Owosso | N/A | N/A | N/A | N/A | N/A |
| Vassar | N/A | N/A | N/A | N/A | N/A |
| Wheeler | N/A | N/A | N/A | N/A | N/A |
| Zilwaukee | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Bills Across Saginaw County, Michigan
Property tax bills in Saginaw County are calculated by applying the local tax rate to a home’s assessed value, which is based on the market value of the property. The assessed value is then used to determine how much a homeowner owes each year, so changes in market conditions can directly affect the bill.
Several factors influence the final tax bill, including the home’s value, local tax rates, and where the property is located within the county. That means two homes with similar market values can still have different bills if they are in different cities or districts.
For homeowners, this can make property taxes a significant ongoing expense. In Saginaw County, the median home price is $133,200, and tax bills vary widely, with the 25th percentile at $589, the 75th percentile at $1,516, and the 90th percentile at $2,215. The highest median tax bill is $1,906 in Frankenmuth, while the lowest median tax bill is $214 in Carrollton.
Median Saginaw County Tax Bill
$971
Median Michigan Tax Bill
$2,084
Median United States Tax Bill
$2,400
Property Tax Bills Across Saginaw County, Michigan
| City | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Bannister | $125 | $262 | $439 | $623 | $818 |
| Bay City | $687 | $728 | $857 | $2,077 | $9,152 |
| Birch Run | $422 | $581 | $785 | $1,076 | $1,501 |
| Brant | $177 | $337 | $555 | $776 | $1,043 |
| Bridgeport | $325 | $438 | $570 | $748 | $1,031 |
| Burt | $348 | $490 | $674 | $895 | $1,137 |
| Carrollton | $123 | $164 | $214 | $271 | $347 |
| Chesaning | $420 | $630 | $921 | $1,358 | $1,912 |
| Clio | $378 | $431 | $558 | $705 | $972 |
| Elsie | $101 | $183 | $343 | $477 | $683 |
| Frankenmuth | $906 | $1,344 | $1,906 | $2,705 | $3,800 |
| Freeland | $530 | $740 | $1,099 | $1,548 | $2,104 |
| Hemlock | $396 | $561 | $841 | $1,152 | $1,629 |
| Henderson | $198 | $372 | $460 | $721 | $937 |
| Merrill | $387 | $532 | $729 | $971 | $1,372 |
| Montrose | $374 | $509 | $703 | $952 | $1,204 |
| Munger | $686 | $740 | $847 | $1,139 | $1,302 |
| New Lothrop | $491 | $631 | $826 | $1,012 | $1,300 |
| Oakley | $309 | $480 | $686 | $954 | $1,238 |
| Reese | $441 | $639 | $815 | $1,027 | $1,343 |
| Saginaw | $353 | $590 | $1,038 | $1,585 | $2,296 |
| Saint Charles | $372 | $572 | $871 | $1,262 | $1,783 |
| Owosso | N/A | N/A | N/A | N/A | N/A |
| Vassar | N/A | N/A | N/A | N/A | N/A |
| Wheeler | N/A | N/A | N/A | N/A | N/A |
| Zilwaukee | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | March 9 |
Links | |
|---|---|
| Saginaw Tax Assessor | |
| Website | bsaonline.com |