Cheboygan, Cheboygan County, Michigan Property Taxes
Property Taxes in Cheboygan, Michigan
Median Cheboygan, Michigan effective property tax rate: 0.89%, significantly lower than the national median of 1.02%, and lower than the Michigan state median of 1.05%.
Median Cheboygan, Michigan home value: $176,800
Median annual Cheboygan, Michigan tax bill: $1,511, $889 lower than the national median property tax bill of $2,400.
How are property taxes in Cheboygan calculated?
Property taxes in Cheboygan, 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 Cheboygan's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Cheboygan, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Cheboygan, Cheboygan County, Michigan Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.89%
Estimate Property Tax Bill
$1,574
$1,460
How Does the Cheboygan Property Tax Calculator Work?
Use this Cheboygan property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Cheboygan's median effective tax rate of 0.89% — based on actual property records in Cheboygan 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 Cheboygan'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 Cheboygan: rates are 1511.00 in 49721, 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 Cheboygan.
About Cheboygan Property Taxes
About Property Taxes in Cheboygan, Cheboygan, Michigan
Cheboygan's median effective property tax rate of 0.89% is lower than the Michigan state median of 1.05% and lower than the national median of 1.02%. This rate reflects the Cheboygan 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 Cheboygan. Homeowners in the 49721 ZIP code carry a median effective rate of 0.89%, while those in 49721 pay 0.89%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Cheboygan County. Understanding which part of Cheboygan you live in can make a meaningful difference to your annual tax bill.
Cheboygan 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 Cheboygan, Cheboygan 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 Cheboygan'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 Cheboygan Tax Rate
0.89%
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 Cheboygan County Tax Rate
0.86%
Median Effective Michigan Tax Rate
1.05%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Cheboygan, Cheboygan County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 49721 | 0.49% | 0.62% | 0.89% | 1.29% | 1.74% |
Source: Ownwell
Property Tax Assessment Values Across Cheboygan, Cheboygan County, Michigan
When examining property taxes in Cheboygan, 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 Cheboygan 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 Cheboygan County are sent in the spring each year and 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 example, the median home price in Cheboygan is $176,800, with a median tax bill of $1,511. The highest median home price is in 49721 at $176,800.
Property Tax Assessment Values Across Cheboygan, Cheboygan County, Michigan
Source: Ownwell
$126,200
$495,050
$863,900
Median Cheboygan Market Value
$176,800
Median Cheboygan County Market Value
$193,800
Median Michigan Market Value
$213,740
Median United States Market Value
$235,294
Property Tax Assessment Values Across Cheboygan, Cheboygan County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 49721 | $41,200 | $106,400 | $176,800 | $298,000 | $505,540 |
Source: Ownwell
Property Tax Bills Across Cheboygan, Cheboygan County, Michigan
Property tax bills in Cheboygan are calculated by multiplying a home’s assessed value by the local tax rate, then applying any exemptions or special assessments that may reduce or increase the final amount. The assessed value is based on the market value of the property, so changes in local real estate conditions can affect what homeowners owe.
With a median home price of $176,800, the typical tax bill in Cheboygan is $1,511, which is below the national median property tax bill of $2,400 and also below the national median property tax rate of 1.02%. Homeowners with lower-value homes or qualifying exemptions may pay less, while those with higher assessed values or fewer deductions may pay more.
Tax bills in the area vary widely, with the 25th percentile at $879 and the 75th percentile at $2,640. At the high end, the 90th percentile reaches $4,733, showing how much property taxes can differ from one homeowner to another.
Median Cheboygan Tax Bill
$1,511
Median Cheboygan County Tax Bill
$1,565
Median Michigan Tax Bill
$2,084
Median United States Tax Bill
$2,400
Property Tax Bills Across Cheboygan, Cheboygan County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 49721 | $395 | $879 | $1,511 | $2,640 | $4,733 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | March 9 |
Links | |
|---|---|
| Cheboygan Tax Assessor | |
| Website | bsaonline.com |