Sturgis, St. Joseph County, Michigan Property Taxes
Property Taxes in Sturgis, Michigan
Median Sturgis, Michigan effective property tax rate: 0.46%, significantly lower than the national median of 1.02%, and lower than the Michigan state median of 1.05%.
Median Sturgis, Michigan home value: $167,200
Median annual Sturgis, Michigan tax bill: $1,225, $1,175 lower than the national median property tax bill of $2,400.
How are property taxes in St. Joseph calculated?
Property taxes in Sturgis, 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 Sturgis's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Sturgis, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Sturgis, St. Joseph County, Michigan Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.46%
Estimate Property Tax Bill
$769
$714
How Does the Sturgis Property Tax Calculator Work?
Use this Sturgis property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Sturgis's median effective tax rate of 0.46% — based on actual property records in St. Joseph County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local assessor uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Sturgis'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 Sturgis: rates range from 0.46% in 49091 to 0.46% in 49091, 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 Sturgis.
About Sturgis Property Taxes
About Property Taxes in Sturgis, St. Joseph, Michigan
Sturgis’s median effective property tax rate of 0.46% is lower than the Michigan state median of 1.05% and lower than the national median of 1.02%. This rate reflects the St. Joseph 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 Sturgis. Homeowners in the 49091 ZIP code carry a median effective rate of 0.46%, while those in the lowest ZIP also pay 0.46%. Understanding which part of Sturgis you live in can still help explain how your assessed value and local levies shape your annual tax bill.
Sturgis homeowners who believe their assessed value is too high can file a formal appeal with the 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 Sturgis, St. Joseph 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 Sturgis'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 Sturgis Tax Rate
0.46%
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 St. Joseph County Tax Rate
0.41%
Median Effective Michigan Tax Rate
1.05%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Sturgis, St. Joseph County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 49091 | 0.28% | 0.33% | 0.46% | 1.21% | 1.62% |
Source: Ownwell
Property Tax Assessment Values Across Sturgis, St. Joseph County, Michigan
When examining property taxes in Sturgis, 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 St. Joseph 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:
In St. Joseph 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. The median home price in Sturgis is $167,200, with tax bills ranging significantly across the county. 49091 has the highest median home price at $167,200.
Property Tax Assessment Values Across Sturgis, St. Joseph County, Michigan
Source: Ownwell
$130,000
$181,350
$232,700
Median Sturgis Market Value
$167,200
Median St. Joseph County Market Value
$166,000
Median Michigan Market Value
$213,740
Median United States Market Value
$235,294
Property Tax Assessment Values Across Sturgis, St. Joseph County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 49091 | $84,400 | $116,600 | $167,200 | $265,000 | $445,320 |
Source: Ownwell
Property Tax Bills Across Sturgis, St. Joseph County, Michigan
Property tax bills in Sturgis are based on the assessed value of a home and the local tax rate set by taxing authorities in St. Joseph County. The bill is calculated by applying that rate to the property’s taxable value, so homes with higher assessed values generally owe more. Local levies for schools, county services, and other public needs also affect the final amount.
For homeowners, this means a property tax bill can change when market conditions shift or when local budgets change. In Sturgis, the median home price is $167,200, and the median tax bill is $1,225 in ZIP code 49091. That is below the national median property tax bill of $2,400 and the national median property tax rate of 1.02%. Bills can still vary widely, with the 25th percentile at $680 and the 75th percentile at $1,891.
Median Sturgis Tax Bill
$1,225
Median St. Joseph County Tax Bill
$874
Median Michigan Tax Bill
$2,084
Median United States Tax Bill
$2,400
Property Tax Bills Across Sturgis, St. Joseph County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 49091 | $386 | $680 | $1,225 | $1,891 | $2,741 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | March 9 |
Links | |
|---|---|
| St. Joseph Tax Assessor | |
| Website | bsaonline.com |