Midland, Bay County, Michigan Property Taxes

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Property Taxes in Midland, Michigan

Median Midland, Michigan effective property tax rate: 1.29%, significantly higher than the national median of 1.02%, and higher than the Michigan state median of 1.05%.
Median Midland, Michigan home value: $184,800
Median annual Midland, Michigan tax bill: $2,156, $244 lower than the national median property tax bill of $2,400.

How are property taxes in Bay calculated?

Property taxes in Midland, 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 Midland's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Midland, knowing local tax details benefits homeowners and investors.

Last Updated April 13, 2026

Midland, Bay County, Michigan Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.29%

Estimate Property Tax Bill

$2,384

$2,212

How Does the Midland Property Tax Calculator Work?

Use this Midland property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Midland's median effective tax rate of 1.29% — based on actual property records in Bay County — to generate your estimate.

Enter your property's estimated assessed value — the figure the local assessment system uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Midland'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 Midland: rates range from 2156.00 in 48642 to 2156.00 in 48642, 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 Midland.

About Midland Property Taxes

About Property Taxes in Midland, Bay, Michigan

Midland’s median effective property tax rate of 1.29% is higher than the Michigan state median of 1.05% and higher than the national median of 1.02%. This rate reflects the Bay 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 Midland. Homeowners in the 48642 ZIP code carry a median effective rate of 1.29%, while those in the same ZIP code also pay 1.29%. This reflects how school district boundaries and local assessment districts are drawn across Bay County. Understanding which part of Midland you live in can make a meaningful difference to your annual tax bill.

Midland 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 Midland, Bay 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 Midland's effective property tax rate to other cities in Michigan and the median property tax rates in Michigan and the U.S.

Property Tax Rates Across Midland, Bay County, Michigan

Source: Ownwell

0.79%

1.17%

1.56%

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 Midland Tax Rate

1.29%

Median Effective Bay County Tax Rate

1.43%

Median Effective Michigan Tax Rate

1.05%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Midland, Bay County, Michigan

Zip	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
48642	0.61%	0.72%	1.29%	1.70%	2.26%
48613	N/A	N/A	N/A	N/A	N/A

Source: Ownwell

Property Tax Assessment Values Across Midland, Bay County, Michigan

When examining property taxes in Midland, 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 Bay 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 Bay County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of March.

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 Midland.

For example, the median home price in Midland is $184,800, with tax bills ranging significantly across the county. 48642 has the highest median home price at $184,900.

Property Tax Assessment Values Across Midland, Bay County, Michigan

Source: Ownwell

$109,900

$167,375

$224,850

Median Midland Market Value

$184,800

Median Bay County Market Value

$150,000

Median Michigan Market Value

$213,740

Median United States Market Value

$235,294

Property Tax Assessment Values Across Midland, Bay County, Michigan

Zip	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
48642	$88,020	$133,900	$184,900	$260,500	$373,040
48613	N/A	N/A	N/A	N/A	N/A

Source: Ownwell

Property Tax Bills Across Midland, Bay County, Michigan

How are property tax bills calculated in Midland?

Property tax bills in Midland are based on the assessed value of a home, which is then multiplied by the local tax rate. That assessed value is intended to reflect the property’s market value, and it can change when home values rise or fall. Local taxing authorities use that value to determine how much each homeowner owes.

What factors affect the bill?

The biggest factors are the home’s assessed value, the tax rate, and any local levies that apply. In Midland, the median home price is $184,800, and the median property tax bill is $2,156, which is below the national median property tax bill of $2,400. Bills can vary widely, with the 25th percentile at $1,388 and the 75th percentile at $3,251.

How does this affect homeowners?

A higher assessed value usually means a higher tax bill, while a lower assessed value can reduce what a homeowner pays. For homeowners, property taxes are a recurring cost that can significantly affect housing affordability and monthly budgeting.

Property Tax Bills Across Midland, Bay County, Michigan

Source: Ownwell

$1,471

$2,145

$2,819

Median Midland Tax Bill

$2,156

Median Bay County Tax Bill

$2,142

Median Michigan Tax Bill

$2,084

Median United States Tax Bill

$2,400

Property Tax Bills Across Midland, Bay County, Michigan

Zip	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
48642	$664	$1,390	$2,156	$3,251	$4,127
48613	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
Bay Tax Assessor
Website	bsaonline.com

Frequently Asked Property Tax Questions in Midland, Michigan

How are property taxes calculated in Midland, Michigan?

Property taxes in Midland, Michigan are calculated by multiplying your property's assessed value by the applicable tax rate set by local taxing authorities. The assessed value is determined by the county assessor and may differ from your property's market value depending on local assessment ratios and exemptions.

How do I appeal my property taxes in Midland, Michigan?

To appeal your property taxes in Midland, Michigan, you typically need to file a formal protest or appeal with your local appraisal district or assessor's office by the stated deadline. You'll need evidence such as comparable sales, a recent independent appraisal, or documentation of property condition issues. Ownwell can handle this entire process for you.

What property tax exemptions are available in Midland, Michigan?

Common property tax exemptions in Midland, Michigan include homestead exemptions for primary residences, senior citizen exemptions, veteran exemptions, and disability exemptions. Exemption amounts and eligibility requirements vary by county. Contact your local appraisal district or check Ownwell for details specific to your property.

When are property taxes due in Midland, Michigan?

Property tax deadlines in Midland, Michigan vary by county but typically include an assessment notice period in spring or early summer, followed by an appeal deadline, and a tax payment due date in the fall or winter. Check with your county assessor's office for specific dates in your area.

How can Ownwell help reduce my property taxes in Midland, Michigan?

Ownwell provides professional property tax appeal services in Midland, Michigan. Our team analyzes your assessment, gathers evidence, files all paperwork, and represents you at hearings — all with no upfront cost. You only pay a percentage of your savings if we successfully lower your tax bill.