Harbor Beach, Sanilac County, Michigan Property Taxes
Median Harbor Beach, MI effective property tax rate: 1.39%, significantly higher than the national median of 1.02%, but lower than the Michigan state median of 1.07%.
Median Harbor Beach, MI home value: $132,000
Median annual Harbor Beach, MI tax bill: $1,698, $702 lower than the national median property tax bill of $2,400.
How are property taxes in Sanilac calculated?
Property taxes in Harbor Beach, 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 Harbor Beach’s property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Harbor Beach, knowing local tax details benefits homeowners and investors.
Last Updated March 1, 2025
Harbor Beach, Sanilac County, Michigan Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.02%
Estimate Property Tax Bill
$2,231
$2,070
Property Tax Rates Across Harbor Beach, Sanilac County, Michigan
Local government entities set tax rates, and these can vary significantly within a state. Annually, each county estimates the budget needed to provide essential services and divides this by the total assessed value of all taxable property in its jurisdiction. This calculation determines the property tax rate. While votes and laws play a role in setting these rates and budgets, this is essentially the annual process.
In Harbor Beach, located in Sanilac County, the effective property tax rate is 1.39%, which is higher than the national median of 1.02%. This means that residents of Harbor Beach may pay more in property taxes compared to the national average. However, it's important to note that this rate is consistent across Sanilac County, as shown by the highest and lowest median tax rates both being 1.39% in the zip code 48441. This uniformity indicates a stable tax environment within the county. Comparing Harbor Beach's tax rate to other cities in Michigan and the U.S. provides valuable insight into local property tax obligations and helps property owners understand their financial commitments.
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 Harbor Beach Tax Rate
1.02%
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 Sanilac County Tax Rate
0.94%
Median Effective Michigan Tax Rate
1.05%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Harbor Beach, Sanilac County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 48441 | 0.59% | 0.74% | 1.02% | 1.24% | 1.39% |
Source: Ownwell
Property Tax Assessment Values Across Harbor Beach, Sanilac County, Michigan
When examining property taxes in Harbor Beach, 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 Sanilac 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 Sanilac 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 Harbor Beach. For example, the median home price in Harbor Beach is $132,000, with tax bills ranging significantly across the county. 48441 has the highest median home price at $132,000.
Property Tax Assessment Values Across Harbor Beach, Sanilac County, Michigan
Source: Ownwell
$97,200
$170,600
$244,000
Median Harbor Beach Market Value
$218,700
Median Sanilac County Market Value
$156,400
Median Michigan Market Value
$213,740
Median United States Market Value
$235,294
Property Tax Assessment Values Across Harbor Beach, Sanilac County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 48441 | $21,600 | $128,400 | $218,700 | $418,950 | $575,700 |
Source: Ownwell
Property Tax Bills Across Harbor Beach, Sanilac County, Michigan
Median Harbor Beach Tax Bill
$2,090
Median Sanilac County Tax Bill
$1,472
Median Michigan Tax Bill
$2,084
Median United States Tax Bill
$2,400
Property Tax Bills Across Harbor Beach, Sanilac County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 48441 | $199 | $1,177 | $2,090 | $4,195 | $4,914 |
Source: Ownwell