Mackinaw City, Cheboygan County, Michigan Property Taxes
Property Taxes in Mackinaw City, Michigan
Median Mackinaw City, Michigan effective property tax rate: 1.25%, significantly higher than the national median of 1.02%, and higher than the Michigan state median of 1.05%.
Median Mackinaw City, Michigan home value: $203,700
Median annual Mackinaw City, Michigan tax bill: $2,477, $77 higher than the national median property tax bill of $2,400.
How are property taxes in Cheboygan calculated?
Property taxes in Mackinaw City, 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 Mackinaw City's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Mackinaw City, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Mackinaw City, Cheboygan County, Michigan Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.25%
Estimate Property Tax Bill
$2,546
$2,363
How Does the Mackinaw City Property Tax Calculator Work?
Use this Mackinaw City property tax calculator to estimate your annual property tax bill. Enter your property’s assessed value and our calculator applies Mackinaw City’s median effective tax rate of 1.25% — based on actual property records in Cheboygan County — to generate your estimate.
Enter your property’s estimated assessed value — the figure the local assessment process uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home’s market value. Our calculator applies Mackinaw City’s median effective rate across local levies, providing a more accurate estimate than applying a single county rate.
Your bill may vary by ZIP code within Mackinaw City: rates range from 1.25% in 49701 to 1.25% in 49701.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Mackinaw City.
About Mackinaw City Property Taxes
About Property Taxes in Mackinaw City, Cheboygan, Michigan
Mackinaw City’s median effective property tax rate of 1.25% is higher than the Michigan state median of 1.05% and higher 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 Mackinaw City. Homeowners in the 49701 ZIP code carry a median effective rate of 1.25%, while those in the 49701 pay 1.25%. 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 Mackinaw City you live in can make a meaningful difference to your annual tax bill.
Mackinaw City 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 Mackinaw City, 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 Mackinaw City'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 Mackinaw City Tax Rate
1.25%
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 Mackinaw City, Cheboygan County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 49701 | 0.60% | 0.92% | 1.25% | 1.68% | 2.52% |
Source: Ownwell
Property Tax Assessment Values Across Mackinaw City, Cheboygan County, Michigan
When examining property taxes in Mackinaw City, 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 assessor 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 are sent in February each year and typically reach your mailbox by the middle of the month. 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 Mackinaw City is $203,700, with tax bills ranging significantly across the county. 49701 has the highest median home price at $203,700.
Property Tax Assessment Values Across Mackinaw City, Cheboygan County, Michigan
Source: Ownwell
$126,200
$495,050
$863,900
Median Mackinaw City Market Value
$203,700
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 Mackinaw City, Cheboygan County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 49701 | $81,640 | $140,200 | $203,700 | $309,850 | $446,140 |
Source: Ownwell
Property Tax Bills Across Mackinaw City, Cheboygan County, Michigan
Property tax bills in Mackinaw City are based on the assessed value of a home, not its market price alone. Local taxing authorities apply the tax rate to that assessed value to determine the annual bill, and the amount can change when a property’s assessment changes or when local levies are adjusted. For homeowners, this means two similar homes can receive different tax bills if their assessed values differ.
In Mackinaw City, the median home price is $203,700, and the median property tax bill is $2,477 in ZIP code 49701. That figure sits above the national median property tax bill of $2,400, showing that local homeowners may face a slightly higher-than-average burden. Tax bills also vary widely across the city, with the 25th percentile at $1,603 and the 75th percentile at $4,030. For some homeowners, that difference can have a meaningful impact on monthly housing costs and overall affordability.
Property Tax Bills Across Mackinaw City, Cheboygan County, Michigan
Source: Ownwell
$1,025
$4,636
$8,246
Median Mackinaw City Tax Bill
$2,477
Median Cheboygan County Tax Bill
$1,565
Median Michigan Tax Bill
$2,084
Median United States Tax Bill
$2,400
Property Tax Bills Across Mackinaw City, Cheboygan County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 49701 | $887 | $1,603 | $2,477 | $4,030 | $5,837 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | March 9 |
Links | |
|---|---|
| Cheboygan Tax Assessor | |
| Website | bsaonline.com |