Henderson, Saginaw County, Michigan Property Taxes
Property Taxes in Henderson, Michigan
Median Henderson, Michigan effective property tax rate: 0.36%, significantly lower than the national median of 1.02%, and lower than the Michigan state median of 1.05%.
Median Henderson, Michigan home value: $134,800
Median annual Henderson, Michigan tax bill: $460, $1,940 lower than the national median property tax bill of $2,400.
How are property taxes in Saginaw calculated?
Property taxes in Henderson, 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 Henderson's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Henderson, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Henderson, Saginaw County, Michigan Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.36%
Estimate Property Tax Bill
$485
$450
How Does the Henderson Property Tax Calculator Work?
Use this Henderson property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Henderson's median effective tax rate of 0.36% — based on actual property records in Saginaw 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 Henderson'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 Henderson: rates range from 0.36% in 48841 to 0.36% in 48841, 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 Henderson.
About Henderson Property Taxes
About Property Taxes in Henderson, Saginaw, Michigan
Henderson’s median effective property tax rate of 0.36% is lower than the Saginaw County median of 1.05% and lower than the national median of 1.02%. This rate reflects the Saginaw 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 Henderson. Homeowners in the 48841 ZIP code carry a median effective rate of 0.36%, while those in the same ZIP code pay 0.36%. This reflects how school district boundaries and local assessment districts are drawn across Saginaw County. Understanding which part of Henderson you live in can make a meaningful difference to your annual tax bill.
Henderson homeowners who believe their assessed value is too high can file a formal appeal with the Tax Assessor after the February notice and 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 Henderson, Saginaw 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 Henderson'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 Henderson Tax Rate
0.36%
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 Saginaw County Tax Rate
0.75%
Median Effective Michigan Tax Rate
1.05%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Henderson, Saginaw County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 48841 | 0.28% | 0.34% | 0.36% | 0.42% | 0.47% |
Source: Ownwell
Property Tax Assessment Values Across Henderson, Saginaw County, Michigan
When examining property taxes in Henderson, 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 Saginaw County appraisal district 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. For example, the median home price in Henderson is $134,800, with tax bills ranging across the county. ZIP code 48841 has the highest median home price at $134,800.
Property Tax Assessment Values Across Henderson, Saginaw County, Michigan
Source: Ownwell
$28,400
$152,200
$276,000
Median Henderson Market Value
$134,800
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 Henderson, Saginaw County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 48841 | $47,240 | $103,200 | $134,800 | $188,800 | $231,120 |
Source: Ownwell
Property Tax Bills Across Henderson, Saginaw County, Michigan
Property tax bills in Henderson are based on the assessed value of a home and the local tax rate set for Saginaw County. When a property is valued, that assessment is used to calculate the tax bill, so homes with higher assessed values generally owe more. Local taxing authorities then apply their rates to determine the amount a homeowner pays each year.
For homeowners in Henderson, the size of the bill can vary depending on the home’s market value, assessment, and any local tax rates or exemptions that apply. With a median home price of $134,800, the typical tax burden remains tied to how the property is assessed rather than just what a homeowner paid for it. In this area, the 25th percentile tax bill is $372, the 75th percentile is $721, and the 90th percentile is $937. That means property taxes can have a meaningful impact on monthly housing costs and overall affordability for homeowners.
Median Henderson Tax Bill
$460
Median Saginaw County Tax Bill
$971
Median Michigan Tax Bill
$2,084
Median United States Tax Bill
$2,400
Property Tax Bills Across Henderson, Saginaw County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 48841 | $198 | $372 | $460 | $721 | $937 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | March 9 |
Links | |
|---|---|
| Saginaw Tax Assessor | |
| Website | bsaonline.com |