Ruby, St. Clair County, Michigan Property Taxes
Median Ruby, MI effective property tax rate: 0.34%, significantly lower than the national median of 1.02%, but also lower than the Michigan state median of 1.07%.
Median Ruby, MI home value: $160,500
Median annual Ruby, MI tax bill: $538, $1,862 lower than the national median property tax bill of $2,400.
How are property taxes in St. Clair calculated?
Property taxes in Ruby, 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 Ruby’s property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Ruby, knowing local tax details benefits homeowners and investors.
Last Updated March 1, 2025
Ruby, St. Clair County, Michigan Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.32%
Estimate Property Tax Bill
$570
$529
Property Tax Rates Across Ruby, St. Clair County, Michigan
Local government entities are responsible for setting property tax rates, which can vary significantly even within a single state. This variation is due to each county estimating its annual budget requirements to provide essential services and then dividing this by the total value of all taxable properties within its boundaries. This process determines the property tax rate. While votes and legal frameworks play a role in setting these rates and budgets, this is essentially the yearly procedure.
In Ruby, located in St. Clair County, Michigan, the effective property tax rate is considerably lower than the national median of 1.02%. This places Ruby below the national average, offering a more favorable tax environment compared to many other regions. When compared to other cities in Michigan, Ruby's tax rate also stands out as more economical, making it an attractive location for property owners seeking lower tax liabilities. This affordability in property taxes can be a significant factor for potential homeowners and investors considering Michigan as a location for real estate investments. By understanding these dynamics, property owners in Ruby can make informed decisions about their investments in the area.
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 Ruby Tax Rate
0.32%
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 St. Clair County Tax Rate
0.72%
Median Effective Michigan Tax Rate
1.05%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Ruby, St. Clair County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 48049 | 0.30% | 0.30% | 0.32% | 0.33% | 0.41% |
Source: Ownwell
Property Tax Assessment Values Across Ruby, St. Clair County, Michigan
When examining property taxes in Ruby, 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 St. Clair 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 St. Clair County, assessment notices are sent in the spring each year. They’ll typically reach your mailbox by the middle of May. 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 Ruby. For example, the median home price in Ruby is $160,500, with tax bills ranging significantly across the county. The 48049 zip code has the highest median home price at $160,500.
Property Tax Assessment Values Across Ruby, St. Clair County, Michigan
Source: Ownwell
$54,200
$198,700
$343,200
Median Ruby Market Value
$178,000
Median St. Clair County Market Value
$214,800
Median Michigan Market Value
$213,740
Median United States Market Value
$235,294
Property Tax Assessment Values Across Ruby, St. Clair County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 48049 | $129,480 | $149,800 | $178,000 | $206,900 | $220,680 |
Source: Ownwell
Property Tax Bills Across Ruby, St. Clair County, Michigan
In Ruby, property tax bills are determined based on the assessed value of a home, which is a percentage of the market value. Local tax rates are applied to this assessed value to calculate the annual property tax bill. In St. Clair County, the median property tax bill is $538, significantly lower than the national median of $2,400. Factors such as property size, improvements, and location within the county can influence the assessed value, affecting the final tax bill. Homeowners in Ruby, particularly those with tax bills in the higher percentiles, may find their property tax burdens significant despite the lower median rate.
Ownwell offers valuable assistance to homeowners by providing property tax appeal services. By analyzing property assessments and comparing them with similar properties, Ownwell identifies potential over-assessments. This can lead to reduced tax bills if successful appeals are made. With expertise in navigating the property tax appeal process, Ownwell helps homeowners in Ruby potentially save hundreds of dollars annually on their property tax bills, ensuring they only pay their fair share.
Median Ruby Tax Bill
$565
Median St. Clair County Tax Bill
$1,650
Median Michigan Tax Bill
$2,084
Median United States Tax Bill
$2,400
Property Tax Bills Across Ruby, St. Clair County, Michigan
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 48049 | $397 | $455 | $565 | $656 | $852 |
Source: Ownwell