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Updated 2025 Tax Year

Delta County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
2.5-4.5% of assessed value (varies by township/city and school district)
1st Due
Jul 1
2nd Due
Dec 1
Exemptions
5+ Available
Section 1

How Property Tax Works

Delta County, Michigan operates on a property tax system that funds essential local services including schools, county operations, townships, cities, and various special districts. Property taxes are the primary revenue source for local government services such as public safety, road maintenance, parks, and emergency services. The county follows Michigan's standard property tax structure with an effective tax rate that typically ranges from 2.5% to 4.5% of assessed value, depending on your specific location within the county.

Property tax rates in Delta County vary significantly by location due to multiple overlapping taxing jurisdictions. Your total tax bill includes levies from the county, your local township or city, school district, and any applicable special assessment districts such as fire protection districts, library districts, or drainage districts. The Delta County Treasurer's Office handles property tax collection starting March 1st each year after receiving tax rolls from local municipalities, while individual townships and cities collect taxes through the end of February.

Section 2

What Makes Up Your Tax Bill

Note: 2025 tax rates are not yet finalized. The following represents typical rate components - actual rates vary by specific taxing districts within Delta County.

ComponentTypical Rate (mills)Description
County Operating4.5-6.0General county services, courts, sheriff
School Operating18.0-24.0Local school district operations
School Debt2.0-8.0School bond payments (varies by district)
Township/City2.0-5.0Local municipal services
Library0.5-1.5Public library services (if applicable)
Fire Protection1.0-3.0Fire department services (varies by district)
Special AssessmentsVariesDrainage, lighting, other local improvements

Total Typical Range: 28-47 mills (2.8% - 4.7% of assessed value)

Rates are expressed in mills, where 1 mill = $1 per $1,000 of assessed value. Contact the Delta County Equalization Department for specific rates in your taxing jurisdiction for the current levy year.

Section 3

When Are Property Taxes Due?

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

First Installment
Jul 1
Delinquent after Dec 10
Second Installment
Dec 1
Delinquent after Apr 10
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 Delta County are additional property tax assessments that occur when there are significant changes to a property during the tax year. The most common triggers include new construction completion, property improvements that add value, or corrections to assessment errors. Unlike annual property taxes, supplemental taxes are prorated based on the number of months remaining in the tax year after the change occurs.

For example, if you complete a $50,000 home addition in July, the county assessor will issue a supplemental assessment for the added value. The supplemental tax would be calculated on the $50,000 improvement for the remaining months of the tax year (August through December = 5 months), resulting in approximately 42% of a full year's tax on that improvement. Supplemental tax bills are typically issued 30-60 days after the assessment change and have separate due dates from regular property taxes.

Example Calculation

Example 1: $300,000 Home

  • Market Value: $300,000
  • Assessed Value (50%): $150,000
  • Less: Homestead Credit Cap Benefit: -$5,000
  • Net Taxable Value: $145,000
  • Annual Tax (35 mills): $5,075
  • Monthly Escrow: $423

Example 2: $600,000 Home

  • Market Value: $600,000
  • Assessed Value (50%): $300,000
  • Less: Homestead Credit Cap Benefit: -$8,000
  • Net Taxable Value: $292,000
  • Annual Tax (38 mills): $11,096
  • Monthly Escrow: $925

Example 3: $1,000,000 Home

  • Market Value: $1,000,000
  • Assessed Value (50%): $500,000
  • Less: Homestead Credit Cap Benefit: -$10,000
  • Net Taxable Value: $490,000
  • Annual Tax (42 mills): $20,580
  • Monthly Escrow: $1,715

Note: Homestead credit requires annual application and caps assessment increases rather than providing direct reduction. Tax rates vary by specific location within Delta County due to different special taxing districts.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Delta County require borrowers to maintain an escrow account for property tax payments, especially when the loan-to-value ratio exceeds 80%. Your lender will collect monthly payments equal to approximately 1/12th of your annual property tax bill and hold these funds in a separate escrow account. The lender then pays your property taxes directly to the Delta County Treasurer when due, typically by the February 21st deadline to avoid penalties.

Lenders are required to provide annual escrow account statements showing payments received, taxes paid, and account balances. If your escrow account has a shortage, your monthly payment will increase to cover the deficit over 12 months. Conversely, if there's an overage exceeding $50, you'll receive a refund. Property owners can request to remove escrow requirements once they have at least 20% equity in their home and demonstrate a good payment history, but will then become responsible for making tax payments directly to the county.

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 property taxes due in Delta County? A: Property taxes are due by February 21st each year. After February 28th, tax collection transfers from local townships and cities to the Delta County Treasurer's Office starting March 1st.

Q: What tax credits are available and do they require application? A: The primary credit is the Michigan Homestead Property Tax Credit, which caps annual assessment increases and requires annual application. Other potential credits include veterans' exemptions, senior citizen exemptions, and disabled person exemptions. All credits require separate applications and are NOT automatic.

Q: How does the Homestead credit work? A: The Homestead credit doesn't reduce your property's assessed value but instead limits how much your taxable value can increase each year. You must file annually with your local assessor by the deadline to maintain this benefit. It applies only to your primary residence.

Q: When are properties reassessed in Delta County? A: Michigan law requires annual assessments, but major reassessments typically occur every few years. Property owners receive assessment notices in early spring and have until mid-March to appeal valuations to the local Board of Review.

Q: What are the penalties for late property tax payments? A: Interest and penalties accrue on unpaid taxes starting March 1st. The penalty structure follows Michigan state law with monthly interest charges and collection fees that can significantly increase your total amount due.

Q: Can I pay property taxes online? A: Yes, the Delta County Treasurer's Office provides online payment options through their official website. You can pay with electronic check or credit card, though convenience fees may apply for credit card transactions.

Q: How do special district taxes affect my bill? A: Special districts for services like fire protection, libraries, or drainage add separate line items to your tax bill. These rates vary significantly based on your property's location within Delta County and the services provided in your area.

Q: What happens if I disagree with my property assessment? A: You can appeal your assessment to the local Board of Review, typically meeting in March. If unsatisfied with that decision, you can appeal to the Michigan Tax Tribunal. Appeals must be filed within specific deadlines following your assessment notice.

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