Houghton Lake, Roscommon County, Michigan Property Taxes

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Property Taxes in Houghton Lake, Michigan

Median Houghton Lake, Michigan effective property tax rate: 1.10%, slightly higher than the national median of 1.02%, and higher than the Michigan state median of 1.05%.
Median Houghton Lake, Michigan home value: $165,600
Median annual Houghton Lake, Michigan tax bill: $1,675, $725 lower than the national median property tax bill of $2,400.

How are property taxes in Roscommon calculated?

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

Last Updated April 13, 2026

Houghton Lake, Roscommon County, Michigan Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.1%

Estimate Property Tax Bill

$1,822

$1,690

How Does the Houghton Lake Property Tax Calculator Work?

Use this Houghton Lake property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Houghton Lake's median effective tax rate of 1.10% — based on actual property records in Roscommon County — to generate your estimate.

Enter your property's estimated assessed value — the figure used to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Houghton Lake'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 Houghton Lake: rates range from 1.10% in 48629 to 1.10% in 48629, primarily due to differences in school district levies and local assessment districts. Houghton Lake's median tax rate is higher than the Michigan state median of 1.05%, while the median tax bill of $1,675 is lower than the national median property tax bill of $2,400.

For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Houghton Lake.

About Houghton Lake Property Taxes

About Property Taxes in Houghton Lake, Roscommon, Michigan

Houghton Lake's median effective property tax rate of 1.10% is higher than the Michigan state median of 1.05% and higher than the national median of 1.02%. This rate reflects the Roscommon 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 Houghton Lake. Homeowners in the 48629 ZIP code carry a median effective rate of 1.10%, while those in the same ZIP code pay 1.10%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Roscommon County. Understanding which part of Houghton Lake you live in can make a meaningful difference to your annual tax bill.

Houghton Lake 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 Houghton Lake, Roscommon 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 Houghton Lake'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 Houghton Lake, Roscommon County, Michigan

Source: Ownwell

0.76%

1.05%

1.34%

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 Houghton Lake Tax Rate

1.10%

Median Effective Roscommon County Tax Rate

1.15%

Median Effective Michigan Tax Rate

1.05%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Houghton Lake, Roscommon County, Michigan

Zip	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
48629	0.67%	0.81%	1.10%	1.40%	1.70%

Source: Ownwell

Property Tax Assessment Values Across Houghton Lake, Roscommon County, Michigan

When examining property taxes in Houghton Lake, 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 Roscommon 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 Roscommon County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of the month when notices are sent.

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 Houghton Lake is $165,600, with tax bills ranging significantly across the county. ZIP code 48629 has the highest median home price at $165,600.

Property Tax Assessment Values Across Houghton Lake, Roscommon County, Michigan

Source: Ownwell

$95,000

$152,500

$210,000

Median Houghton Lake Market Value

$165,600

Median Roscommon County Market Value

$151,200

Median Michigan Market Value

$213,740

Median United States Market Value

$235,294

Property Tax Assessment Values Across Houghton Lake, Roscommon County, Michigan

Zip	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
48629	$45,600	$92,000	$165,600	$293,200	$457,160

Source: Ownwell

Property Tax Bills Across Houghton Lake, Roscommon County, Michigan

Property tax bills in Houghton Lake are based on the assessed value of a home, which is then used to calculate the amount owed to local taxing authorities. The bill reflects the market value of the property, local tax rates, and any exemptions or credits that may apply. For homeowners, this means a higher assessed value can lead to a larger tax bill, while lower assessments can reduce what is owed.

The median home price in Houghton Lake is $165,600, and the median property tax bill is $1,675, which is below the national median property tax bill of $2,400. Tax bills can vary widely across the area, with the 25th percentile at $1,029 and the 75th percentile at $3,111. At the 90th percentile, bills reach $5,167, showing how much property taxes can differ from one homeowner to another.

Property Tax Bills Across Houghton Lake, Roscommon County, Michigan

Source: Ownwell

$1,191

$1,557

$1,922

Median Houghton Lake Tax Bill

$1,675

Median Roscommon County Tax Bill

$1,643

Median Michigan Tax Bill

$2,084

Median United States Tax Bill

$2,400

Property Tax Bills Across Houghton Lake, Roscommon County, Michigan

Zip	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
48629	$562	$1,029	$1,675	$3,111	$5,167

Source: Ownwell

Don't miss the deadline to appeal!

Dates
Appeal Deadline	March 9

Links
Roscommon Tax Assessor
Website	bsaonline.com

Frequently Asked Property Tax Questions in Houghton Lake, Michigan

How are property taxes calculated in Houghton Lake, Michigan?

Property taxes in Houghton Lake, 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 Houghton Lake, Michigan?

To appeal your property taxes in Houghton Lake, 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 Houghton Lake, Michigan?

Common property tax exemptions in Houghton Lake, 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 Houghton Lake, Michigan?

Property tax deadlines in Houghton Lake, 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 Houghton Lake, Michigan?

Ownwell provides professional property tax appeal services in Houghton Lake, 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.