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Updated 2025 Tax Year

Crawford County
Property Tax Guide

Everything you need to know about property taxes in Crawford County, MI. Rates, due dates, exemptions, and how it affects your monthly payment.

9 Official Sources
8 min read
Quick Facts
Tax Rate
25-35 mills (2.5-3.5% of assessed value), varies by taxing district and location
Exemptions
5+ Available
Section 1

How Property Tax Works

Crawford County, Michigan operates under a property tax system that serves as the primary funding mechanism for essential local services including schools, county government operations, road maintenance, fire protection, and other municipal services. Property owners in Crawford County can expect effective tax rates that typically range from approximately 25-35 mills (2.5% to 3.5% of assessed value), though actual rates vary significantly depending on your specific location within the county due to different combinations of special taxing districts, school districts, and municipal boundaries.

The county follows Michigan's standard assessment practices where properties are assessed at 50% of true cash value (market value), with the State Equalized Value (SEV) serving as the basis for tax calculations. What makes Crawford County unique is the variation in tax rates across different areas - properties in Grayling may have different millage rates than those in rural townships due to varying special assessments for services like library districts, downtown development authorities, or enhanced emergency services. Property owners should verify their specific millage rate with the Crawford County Equalization Department, as your exact location determines which combination of taxing authorities apply to your property.

Section 2

What Makes Up Your Tax Bill

ComponentRate (Mills)Description
County Operating4.5-6.0General county services, administration
School Operating18.0-24.0Local school district operations (varies by district)
School Debt2.0-5.0Bond payments for school facilities
Township/City1.0-3.0Municipal services, varies by jurisdiction
Library0.5-1.5Public library services (if applicable)
Fire/EMS1.0-2.5Emergency services (varies by coverage area)
Special Assessments0.5-2.0Street lighting, drainage, other local improvements

Note: These rates apply to the 2024 levy year (taxes payable in 2025). Actual millage rates vary significantly by location within Crawford County due to different combinations of special taxing districts. Contact the Crawford County Treasurer's office at (989) 348-2841 for your specific property's millage rate, as properties in different townships, school districts, and special assessment districts will have different total rates.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Crawford County, property taxes are due in two installments:

Pro tip: If you pay through mortgage escrow, your lender splits these payments across your monthly mortgage. If you pay directly, set calendar reminders to avoid late penalties.
Section 4

Supplemental Tax Bills

Supplemental taxes in Crawford County are additional property tax assessments that occur when there are significant changes to a property outside the normal assessment cycle. The most common triggers include ownership transfers, new construction completion, property improvements exceeding $1,000 in value, or corrections to assessment errors discovered mid-year. When triggered, the supplemental tax is calculated as the difference between the new assessed value and the previous assessed value, multiplied by the applicable millage rate for your district.

For example, if you complete a $50,000 home addition in Crawford County, and your State Equalized Value increases by $25,000 (50% of improvement value), a supplemental tax would be calculated on this $25,000 increase at your local millage rate. If your total millage rate is 30 mills, the supplemental tax would be $750 ($25,000 × 0.030) prorated for the portion of the tax year remaining after the improvement was completed. This supplemental bill would be issued separately from your regular summer and winter tax bills.

Example Calculation

Example 1: $300,000 Home in Crawford County

  • Market Value: $300,000
  • State Equalized Value (SEV): $150,000 (50% of market value)
  • Less: Principal Residence Exemption: $18,000 (if qualified and applied for)
  • Net Taxable Value: $132,000
  • Millage Rate: 28 mills (varies by location)
  • Annual Tax: $3,696 ($132,000 × 0.028)
  • Monthly Escrow: $308

Example 2: $600,000 Home in Crawford County

  • Market Value: $600,000
  • State Equalized Value (SEV): $300,000
  • Less: Principal Residence Exemption: $18,000 (if qualified and applied for)
  • Net Taxable Value: $282,000
  • Millage Rate: 30 mills (varies by location)
  • Annual Tax: $8,460 ($282,000 × 0.030)
  • Monthly Escrow: $705

Example 3: $1,000,000 Home in Crawford County

  • Market Value: $1,000,000
  • State Equalized Value (SEV): $500,000
  • Less: Principal Residence Exemption: $18,000 (if qualified and applied for)
  • Net Taxable Value: $482,000
  • Millage Rate: 32 mills (varies by location)
  • Annual Tax: $15,424 ($482,000 × 0.032)
  • Monthly Escrow: $1,285

Note: Principal Residence Exemption requires annual application and caps assessment increases. Rates shown are estimates - actual millage varies by specific location within Crawford County.

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Section 5

Escrow & Property Taxes

Most Crawford County property owners with mortgages have their property taxes collected through escrow accounts managed by their mortgage servicer. Your lender collects monthly escrow payments along with your mortgage payment, then pays your property taxes directly to Crawford County when bills are due. In Michigan, property taxes are collected in two installments - summer taxes (typically due July 1) and winter taxes (due February 14), so your servicer will need to manage payments for both billing cycles.

Your mortgage servicer is required to conduct an annual escrow analysis to ensure adequate funds are collected, and they may adjust your monthly escrow payment if taxes increase due to millage changes or assessment increases. You should receive your actual tax bills even when using escrow - review these carefully to verify your exemptions are properly applied and to understand any changes in your tax burden. If you believe your escrow account has insufficient funds or your servicer failed to pay taxes on time, contact them immediately, as you remain ultimately responsible for ensuring taxes are paid to avoid penalties and potential tax foreclosure proceedings.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
  • See how rising taxes will change your monthly payment
  • Plan ahead instead of being surprised by "shortage" letters
Section 6

Frequently Asked Questions

Q: When are Crawford County property taxes due for the current tax year? A: Crawford County follows Michigan's standard schedule. Summer taxes are typically due July 1, 2024, and winter taxes are due February 14, 2025. Interest begins accruing on unpaid balances after February 14, and taxes become delinquent if not paid by March 1, 2025.

Q: What is the Principal Residence Exemption and do I get it automatically? A: The Principal Residence Exemption is NOT automatic - you must file Form 2368 with your local assessor. This exemption removes the 18-mill state education tax from your primary residence and caps annual assessment increases. Applications are typically due by May 1, but contact your township assessor for specific deadlines.

Q: How do I know if I qualify for the Homestead Property Tax Credit? A: The Homestead Property Tax Credit is an income-based credit available to Michigan residents whose property taxes exceed a certain percentage of their household income. You must apply annually through your Michigan income tax return (Form MI-1040). This is a refundable credit that requires meeting specific income and property tax thresholds.

Q: Can I pay my Crawford County property taxes online? A: Yes, Crawford County offers online payment options through their official website. You can pay by electronic check or credit card, though credit card payments may include convenience fees. Contact the Crawford County Treasurer's office at (989) 348-2841 for current online payment options and fee schedules.

Q: What happens if I disagree with my property assessment? A: You can appeal your assessment by filing with the local Board of Review, typically meeting in March. If unsatisfied, you can appeal to the Michigan Tax Tribunal. Appeals must be filed within specific deadlines - contact your township assessor for exact dates and procedures.

Q: Are there property tax credits for seniors or veterans? A: Michigan offers several credits that require application: the Senior Citizen Property Tax Credit (income-based), Veterans Disability Exemption for qualifying disabled veterans, and the Disabled Veterans Exemption. None are automatic - contact Crawford County Equalization Department at (989) 348-2841 for applications and eligibility requirements.

Q: How are special district taxes determined in Crawford County? A: Special district taxes vary by location and may include fire protection, library services, street lighting, or drainage districts. Your specific millage rate depends on which districts serve your property. These appear as separate line items on your tax bill and rates are set by each district's governing board.

Q: What are the penalties for late property tax payments? A: Interest begins accruing on February 15 at a rate set annually by the state (typically 1% per month). Additional collection fees may apply. Properties with taxes remaining unpaid after March 1 are considered delinquent and may eventually face tax foreclosure proceedings if not resolved.

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