Saint Charles, Saginaw County, Michigan Property Taxes
Property Taxes in Saint Charles, Michigan
Median Saint Charles, Michigan effective property tax rate: 0.44%, significantly lower than the national median of 1.02%, and lower than the Michigan state median of 1.05%.
Median Saint Charles, Michigan home value: $154,300
Median annual Saint Charles, Michigan tax bill: $871, $1,529 lower than the national median property tax bill of $2,400.
How are property taxes in Saginaw calculated?
Property taxes in Saint Charles, 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 Saint Charles's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Saint Charles, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Saint Charles, Saginaw County, Michigan Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.44%
Estimate Property Tax Bill
$679
$630
How Does the Saint Charles Property Tax Calculator Work?
Use this Saint Charles property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Saint Charles's median effective tax rate of 0.44% — 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 Saint Charles'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 Saint Charles: rates range from 0.44% in 48655 to 0.44% in 48655, 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 Saint Charles.
About Saint Charles Property Taxes
About Property Taxes in Saint Charles, Saginaw, Michigan
Saint Charles’s median effective property tax rate of 0.44% 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 Saint Charles. Homeowners in the 48655 ZIP code carry a median effective rate of 0.44%, while those in the lowest ZIP code pay 0.44%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Saginaw County. Understanding which part of Saint Charles you live in can make a meaningful difference to your annual tax bill.
Saint Charles 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 Saint Charles, 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 Saint Charles'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 Saint Charles Tax Rate
0.44%
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 Saint Charles, Saginaw County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 48655 | 0.35% | 0.39% | 0.44% | 0.98% | 1.15% |
Source: Ownwell
Property Tax Assessment Values Across Saint Charles, Saginaw County, Michigan
When examining property taxes in Saint Charles, 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 Saint Charles homeowners, the median home price is $154,300, with a median tax bill of $871. The highest median home price is in 48655 at $154,300.
Property Tax Assessment Values Across Saint Charles, Saginaw County, Michigan
Source: Ownwell
$28,400
$152,200
$276,000
Median Saint Charles Market Value
$154,300
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 Saint Charles, Saginaw County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 48655 | $77,000 | $110,200 | $154,300 | $221,150 | $299,280 |
Source: Ownwell
Property Tax Bills Across Saint Charles, Saginaw County, Michigan
Property tax bills in Saint Charles are calculated by applying the local tax rate to a home’s assessed value, which is based on the market value of the property. For homeowners, the size of the bill depends on both the assessed value and the tax rate set by local taxing authorities. A higher assessed value generally leads to a higher tax bill, while a lower assessed value can reduce what is owed.
In Saint Charles, the median home price is $154,300, and the median property tax bill is $871.00 in zip code 48655. That amount is well below the national median property tax bill of $2,400, showing that many homeowners in the city pay less than the typical U.S. homeowner. Tax bills can still vary widely, with the 25th percentile at $572 and the 75th percentile at $1,262. For homeowners, these differences can have a meaningful impact on monthly budgets and long-term housing costs.
Median Saint Charles Tax Bill
$871
Median Saginaw County Tax Bill
$971
Median Michigan Tax Bill
$2,084
Median United States Tax Bill
$2,400
Property Tax Bills Across Saint Charles, Saginaw County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 48655 | $372 | $572 | $871 | $1,262 | $1,783 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | March 9 |
Links | |
|---|---|
| Saginaw Tax Assessor | |
| Website | bsaonline.com |