Saint Joseph, Berrien County, Michigan Property Taxes

Name: Property Tax Bills Across Saint Joseph, Berrien County, Michigan
Creator: Ownwell
License: https://creativecommons.org/licenses/by-nc/4.0/

Median Saint Joseph, MI effective property tax rate: 1.01%, slightly lower than the national median of 1.02%, but lower than the Michigan state median of 1.07%.
Median Saint Joseph, MI home value: $231,400
Median annual Saint Joseph, MI tax bill: $2,741, $341 higher than the national median property tax bill of $2,400.

How are property taxes in Berrien County calculated?

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

Last Updated March 1, 2025

Saint Joseph, Berrien County, Michigan Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.01%

Estimate Property Tax Bill

$2,337

$2,169

Ownwell’s Saint Joseph Property Tax Bill Calculator empowers homeowners, real estate investors, and potential buyers to estimate their annual property taxes in Saint Joseph with just two data points. By entering your property's estimated assessed value, our calculator applies Saint Joseph’s median effective tax rate to accurately estimate your property tax bill. Note that your property's assessed value — determined by your county — reflects any exemptions you may have, ensuring a precise calculation for your property tax obligations. This insightful tool helps you understand potential tax liabilities and highlights how Ownwell can assist in reducing property taxes in Berrien County. For those interested in more localized information, please scroll down to explore city-level trends!

Property Tax Rates Across Saint Joseph, Berrien County, Michigan

Local government entities are responsible for setting tax rates, and these can vary significantly within a state. The process involves each county estimating its required budget to provide essential services and dividing that by the total value of all taxable property within its jurisdiction. This calculation determines the property tax rate. Although voting and legislation play roles in setting tax rates and budgets, this is the core of the annual process.

In Saint Joseph, situated in Berrien County, Michigan, the effective property tax rate aligns with the state's median rate of 1.01%, which is slightly below the national median of 1.02%. This means that property owners in Saint Joseph might pay a bit less in property taxes compared to the national average, potentially offering some financial relief. However, it's crucial for property owners to stay informed and consider appealing their assessed values if they believe they are overassessed. Comparing Saint Joseph’s effective property tax rate to other cities in Michigan and the U.S. can provide valuable insights for homeowners looking to optimize their property tax expenses.

Property Tax Rates Across Saint Joseph, Berrien County, Michigan

Source: Ownwell

0.33%

0.75%

1.16%

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 Joseph Tax Rate

1.01%

Median Effective Berrien County Tax Rate

0.85%

Median Effective Michigan Tax Rate

1.07%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Saint Joseph, Berrien County, Michigan

Zip	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
49085	0.74%	0.86%	1.01%	1.70%	2.25%

Source: Ownwell

Property Tax Assessment Values Across Saint Joseph, Berrien County, Michigan

When examining property taxes in Saint Joseph, MI, 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 Berrien 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. In Berrien County, assessment notices are sent in the spring each year. They’ll typically reach your mailbox by the middle of April. 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 Saint Joseph. For example, the median home price in Saint Joseph is $231,400, with tax bills ranging significantly across the county. Zip code 49085 has the highest median home price at $231,400.

Property Tax Assessment Values Across Saint Joseph, Berrien County, Michigan

Source: Ownwell

$90,000

$328,600

$567,200

Median Saint Joseph Market Value

$231,400

Median Berrien County Market Value

$183,200

Median Michigan Market Value

$177,800

Median United States Market Value

$235,294

Property Tax Assessment Values Across Saint Joseph, Berrien County, Michigan

Zip	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
49085	$129,580	$176,400	$231,400	$330,350	$489,220

Source: Ownwell

Property Tax Bills Across Saint Joseph, Berrien County, Michigan

In Saint Joseph, located in Berrien County, MI, property tax bills are calculated based on the assessed value of a home, which is determined by the local assessor's office. This assessed value is then multiplied by the local tax rate to determine the annual tax bill. Various factors such as property location, size, and market conditions influence the assessed value. Homeowners in Saint Joseph face a median property tax bill of $2,741, which is slightly above the national median of $2,400. The tax bill can vary significantly, with the 25th percentile at $1,823 and the 90th percentile reaching as high as $6,466, reflecting the disparity in property values and tax assessments within the area.

Ownwell offers valuable assistance to homeowners by identifying potential errors in assessments and exploring available exemptions, which can significantly reduce the tax burden. By leveraging their expertise, homeowners can ensure they are not overpaying and can potentially save on their property tax bills, making homeownership more affordable in the long run.

Property Tax Bills Across Saint Joseph, Berrien County, Michigan

Source: Ownwell

$431

$3,370

$6,309

Median Saint Joseph Tax Bill

$2,741

Median Berrien County Tax Bill

$1,463

Median Michigan Tax Bill

$1,795

Median United States Tax Bill

$2,400

Property Tax Bills Across Saint Joseph, Berrien County, Michigan

Zip	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
49085	$1,256	$1,823	$2,741	$4,087	$6,466

Source: Ownwell