Saginaw, Saginaw County, Michigan Property Taxes
Property Taxes in Saginaw, Michigan
Median Saginaw, Michigan effective property tax rate: 0.93%, significantly lower than the national median of 1.02%, and lower than the Michigan state median of 1.05%.
Median Saginaw, Michigan home value: $100,400
Median annual Saginaw, Michigan tax bill: $1,038, $1,362 lower than the national median property tax bill of $2,400.
How are property taxes in Saginaw calculated?
Property taxes in Saginaw, 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 Saginaw's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Saginaw, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Saginaw, Saginaw County, Michigan Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.93%
Estimate Property Tax Bill
$934
$866
How Does the Saginaw Property Tax Calculator Work?
Use this Saginaw property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Saginaw's median effective tax rate of 0.93% — 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 Saginaw'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 Saginaw: rates range from $527.00 in 48604 to $1706.00 in 48603, 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 Saginaw.
About Saginaw Property Taxes
About Property Taxes in Saginaw, Saginaw, Michigan
Saginaw's median effective property tax rate of 0.93% is lower than the Michigan state 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 Saginaw. Homeowners in the 48607 ZIP code carry a median effective rate of 2.13%, while those in 48609 pay 0.43%. This spread — 1.70 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Saginaw County. Understanding which part of Saginaw you live in can make a meaningful difference to your annual tax bill.
Saginaw homeowners who believe their assessed value is too high can file a formal appeal with the local Tax Assessor before March 9, 2026.
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 Saginaw, 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 Saginaw'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 Saginaw Tax Rate
0.93%
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%
Median Effective Michigan Tax Rate
1.05%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Saginaw, Saginaw County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 48601 | 0.37% | 0.46% | 1.40% | 2.28% | 3.01% |
| 48602 | 1.43% | 1.57% | 1.97% | 2.31% | 2.79% |
| 48603 | 0.74% | 0.78% | 0.85% | 0.94% | 1.28% |
| 48604 | 0.31% | 0.36% | 0.46% | 1.22% | 1.71% |
| 48607 | 1.21% | 1.52% | 2.13% | 2.80% | 3.64% |
| 48609 | 0.37% | 0.40% | 0.43% | 0.47% | 0.52% |
| 48638 | 0.70% | 0.74% | 0.79% | 0.91% | 1.26% |
| 48722 | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Assessment Values Across Saginaw, Saginaw County, Michigan
When examining property taxes in Saginaw, 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 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 February 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. The median home price in Saginaw is $100,400, with tax bills ranging across the county. ZIP code 48603 has the highest median home price at $191,000.
Property Tax Assessment Values Across Saginaw, Saginaw County, Michigan
Source: Ownwell
$28,400
$152,200
$276,000
Median Saginaw Market Value
$100,400
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, Saginaw County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 48601 | $18,800 | $25,800 | $39,600 | $80,600 | $133,800 |
| 48602 | $39,200 | $49,400 | $64,800 | $89,600 | $119,800 |
| 48603 | $121,200 | $150,200 | $191,000 | $265,200 | $362,160 |
| 48604 | $67,400 | $85,200 | $107,400 | $139,600 | $191,720 |
| 48607 | $12,220 | $19,650 | $28,400 | $45,800 | $59,360 |
| 48609 | $103,200 | $135,200 | $178,800 | $248,800 | $366,520 |
| 48638 | $72,200 | $129,200 | $172,400 | $213,400 | $264,600 |
| 48722 | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Bills Across Saginaw, Saginaw County, Michigan
Property tax bills in Saginaw are based on the assessed value of a home and the local tax rates set by taxing authorities. The bill is determined by applying those rates to the property’s taxable value, which means homes with higher assessed values generally face higher taxes. For homeowners, this creates a direct link between market conditions, local budgets, and annual tax costs.
With a median home price of $100,400, Saginaw’s property tax bills can vary widely across neighborhoods and ZIP codes. The median tax bill is $1,706 in ZIP code 48603, while the lowest median tax bill is $527 in ZIP code 48604. Bills also range from $590 at the 25th percentile to $1,585 at the 75th percentile, with the 90th percentile reaching $2,296. Compared with the national median property tax bill of $2,400, many homeowners in Saginaw pay less, but the amount still depends heavily on the home’s assessed value and local tax rates.
Median Saginaw Tax Bill
$1,038
Median Saginaw County Tax Bill
$971
Median Michigan Tax Bill
$2,084
Median United States Tax Bill
$2,400
Property Tax Bills Across Saginaw, Saginaw County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 48601 | $223 | $368 | $548 | $765 | $1,001 |
| 48602 | $784 | $1,012 | $1,310 | $1,698 | $2,186 |
| 48603 | $976 | $1,260 | $1,706 | $2,515 | $3,469 |
| 48604 | $261 | $348 | $527 | $1,535 | $2,292 |
| 48607 | $275 | $456 | $648 | $937 | $1,348 |
| 48609 | $427 | $568 | $762 | $1,102 | $1,639 |
| 48638 | $682 | $1,037 | $1,418 | $1,818 | $2,393 |
| 48722 | 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 |