Local costs · Michigan
What a home costs across Michigan
Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in Michigan, then every county with its own tax rate and insurance range.
Statewide facts
- Home insurance average
- About $1,056 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
- Transfer & recording tax
- Michigan state + county transfer tax: 0.86% of price — seller customarily paysOn the $254,200 state median home, the buyer’s customary share is about $0; the seller customarily covers about $2,186.
- Title insurance
- Michigan uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
- State income tax
- Michigan income tax is modeled at about 3.75% effective for a married household at $100,000 (4.00% filing single). These are modeled effective rates from Tax Foundation 2026 brackets.
All 83 counties in Michigan
Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.
| County | Property tax | Insurance / yr |
|---|---|---|
| Alcona County | 0.82% | $510–$1,150typical $790 |
| Alger County | 0.94% | $570–$1,280typical $880 |
| Allegan County | 1.08% | $670–$1,490typical $1,030 |
| Alpena County | 1.06% | $510–$1,150typical $790 |
| Antrim County | 0.84% | $510–$1,150typical $790 |
| Arenac County | 1.13% | $620–$1,390typical $960 |
| Baraga County | 1.22% | $790–$1,750typical $1,210 |
| Barry County | 1.05% | $790–$1,770typical $1,220 |
| Bay County | 1.49% | $770–$1,710typical $1,180 |
| Benzie County | 0.79% | $510–$1,150typical $790 |
| Berrien County | 1.08% | $550–$1,230typical $850 |
| Branch County | 1.16% | $800–$1,780typical $1,230 |
| Calhoun County | 1.46% | $890–$1,990typical $1,370 |
| Cass County | 0.97% | $660–$1,460typical $1,010 |
| Charlevoix County | 0.90% | $510–$1,150typical $790 |
| Cheboygan County | 0.89% | $510–$1,150typical $790 |
| Chippewa County | 1.26% | $510–$1,150typical $790 |
| Clare County | 1.11% | $770–$1,710typical $1,180 |
| Clinton County | 1.23% | $940–$2,100typical $1,450 |
| Crawford County | 1.06% | $640–$1,420typical $980 |
| Delta County | 1.13% | $560–$1,250typical $860 |
| Dickinson County | 1.26% | $670–$1,490typical $1,030 |
| Eaton County | 1.41% | $920–$2,040typical $1,410 |
| Emmet County | 0.83% | $510–$1,150typical $790 |
| Genesee County | 1.36% | $780–$1,740typical $1,200 |
| Gladwin County | 1.15% | $670–$1,490typical $1,030 |
| Gogebic County | 1.43% | $510–$1,150typical $790 |
| Grand Traverse County | 0.89% | $510–$1,150typical $790 |
| Gratiot County | 1.24% | $930–$2,070typical $1,430 |
| Hillsdale County | 0.99% | $810–$1,810typical $1,250 |
| Houghton County | 1.16% | $510–$1,150typical $790 |
| Huron County | 1.19% | $620–$1,390typical $960 |
| Ingham County | 1.83% | $910–$2,030typical $1,400 |
| Ionia County | 1.13% | $860–$1,930typical $1,330 |
| Iosco County | 0.96% | $510–$1,150typical $790 |
| Iron County | 1.34% | $700–$1,570typical $1,080 |
| Isabella County | 1.34% | $790–$1,750typical $1,210 |
| Jackson County | 1.26% | $890–$1,990typical $1,370 |
| Kalamazoo County | 1.45% | $870–$1,940typical $1,340 |
| Kalkaska County | 0.87% | $510–$1,150typical $790 |
| Kent County | 1.11% | $620–$1,390typical $960 |
| Keweenaw County | 1.00% | $510–$1,150typical $790 |
| Lake County | 1.09% | $790–$1,770typical $1,220 |
| Lapeer County | 0.92% | $770–$1,730typical $1,190 |
| Leelanau County | 0.68% | $510–$1,150typical $790 |
| Lenawee County | 1.27% | $830–$1,860typical $1,280 |
| Livingston County | 0.97% | $790–$1,750typical $1,210 |
| Luce County | 0.98% | $510–$1,150typical $790 |
| Mackinac County | 1.07% | $510–$1,150typical $790 |
| Macomb County | 1.40% | $720–$1,600typical $1,100 |
| Manistee County | 1.04% | $510–$1,150typical $790 |
| Marquette County | 0.97% | $810–$1,810typical $1,250 |
| Mason County | 1.06% | $510–$1,150typical $790 |
| Mecosta County | 0.99% | $1,730–$3,860typical $2,660 |
| Menominee County | 1.01% | $550–$1,220typical $840 |
| Midland County | 1.47% | $760–$1,700typical $1,170 |
| Missaukee County | 0.98% | $620–$1,380typical $950 |
| Monroe County | 1.16% | $750–$1,670typical $1,150 |
| Montcalm County | 1.01% | $770–$1,710typical $1,180 |
| Montmorency County | 0.86% | $510–$1,150typical $790 |
| Muskegon County | 1.18% | $580–$1,290typical $890 |
| Newaygo County | 1.10% | $600–$1,330typical $920 |
| Oakland County | 1.27% | $700–$1,570typical $1,080 |
| Oceana County | 1.01% | $730–$1,620typical $1,120 |
| Ogemaw County | 0.95% | $900–$2,020typical $1,390 |
| Ontonagon County | 1.16% | $510–$1,150typical $790 |
| Osceola County | 1.02% | $790–$1,770typical $1,220 |
| Oscoda County | 0.94% | $570–$1,260typical $870 |
| Otsego County | 0.80% | $550–$1,220typical $840 |
| Ottawa County | 1.02% | $590–$1,320typical $910 |
| Presque Isle County | 0.95% | $510–$1,150typical $790 |
| Roscommon County | 1.01% | $600–$1,330typical $920 |
| Saginaw County | 1.49% | $720–$1,600typical $1,100 |
| Sanilac County | 0.90% | $650–$1,450typical $1,000 |
| Schoolcraft County | 0.99% | $510–$1,150typical $790 |
| Shiawassee County | 1.31% | $990–$2,220typical $1,530 |
| St. Clair County | 1.14% | $610–$1,360typical $940 |
| St. Joseph County | 1.10% | $640–$1,440typical $990 |
| Tuscola County | 1.21% | $820–$1,830typical $1,260 |
| Van Buren County | 1.23% | $1,050–$2,330typical $1,610 |
| Washtenaw County | 1.52% | $750–$1,680typical $1,160 |
| Wayne County | 1.63% | $510–$1,150typical $790 |
| Wexford County | 1.13% | $510–$1,150typical $790 |
* Property-tax rate is approximate because the county’s Census median is top-coded.
How these numbers are built
Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.
Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.