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Updated 2025 Tax Year

Genesee County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
5.68% projected average for 2025 (varies significantly by school district and municipality)
1st Due
Jul 31
2nd Due
Feb 14
Exemptions
6+ Available
Section 1

How Property Tax Works

Property taxes in Genesee County, Michigan serve as the primary funding source for essential local services including public schools, county government operations, municipal services, libraries, and emergency services. The county operates under Michigan's property tax system where properties are assessed annually and taxed based on their taxable value, which is generally the lower of assessed value or capped value under the Proposal A assessment limitations.

For the 2025 tax year, Genesee County's projected overall property tax rate is 5.68%, though actual rates vary significantly by location within the county due to different combinations of school districts, municipalities, and special taxing authorities. Property owners should note that this rate represents the combined millage from all applicable taxing jurisdictions - county, township/city, school district, and any special assessment districts. The effective tax rate you pay depends on your specific location and the taxing districts that serve your property.

Michigan's unique assessment cap system means that annual increases in taxable value are limited to the rate of inflation or 5%, whichever is less, until the property is sold. This provides predictability for long-term property owners, though new purchasers pay taxes based on the full purchase price.

Section 2

What Makes Up Your Tax Bill

ComponentApproximate Rate RangeDescription
County Operating0.8 - 1.2 millsGeneral county services, courts, sheriff
School District18-24 millsK-12 education, varies by district
Municipality3-8 millsCity/township services, varies by location
Community College2-3 millsMott Community College district
Intermediate School0.5-1 millGenesee ISD services
Library0.5-2 millsPublic library systems
Special Assessments0-5 millsFire, ambulance, parks (varies by area)
Total Estimated25-45 millsVaries significantly by location

Note: These rates apply to Levy Year 2025 and are expressed in mills (1 mill = $1 per $1,000 of taxable value). Actual rates vary considerably based on your specific taxing districts. Contact the Genesee County Equalization Department for your exact millage rate.

Section 3

When Are Property Taxes Due?

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

First Installment
Jul 31
Delinquent after Dec 10
Second Installment
Feb 14
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 Genesee County are additional property tax bills issued when there are mid-year changes that increase a property's taxable value. The most common trigger is a change of ownership (sale/transfer), which removes the Proposal A assessment cap and sets the new taxable value equal to the property's state equalized value, typically the purchase price.

Other events that may trigger supplemental taxes include new construction completion, major improvements, or corrections to assessment errors. The supplemental tax is calculated as the difference between taxes owed on the old taxable value versus the new taxable value, prorated for the portion of the tax year remaining after the change occurred.

For example, if a property sells in January for $400,000 but was previously capped at a $200,000 taxable value, a supplemental bill would be issued for the tax difference on the additional $200,000 of taxable value for the remaining months of that tax year. This ensures the new owner pays the full tax burden for their ownership period.

Example Calculation

Example 1: $300,000 Home with Homestead Credit

  • Market Value: $300,000
  • Assessed Value: $150,000 (50% of market value)
  • Less: Homestead Credit reduction: $7,500 (varies by district)
  • Net Taxable Value: $142,500
  • Annual Tax (5.68% rate): $8,094
  • Monthly Escrow: $675

Example 2: $600,000 Home with Homestead Credit

  • Market Value: $600,000
  • Assessed Value: $300,000
  • Less: Homestead Credit reduction: $7,500
  • Net Taxable Value: $292,500
  • Annual Tax (5.68% rate): $16,614
  • Monthly Escrow: $1,385

Example 3: $1,000,000 Home (No Homestead Credit - Non-Owner Occupied)

  • Market Value: $1,000,000
  • Assessed Value: $500,000
  • Net Taxable Value: $500,000 (no credits applied)
  • Annual Tax (5.68% rate): $28,400
  • Monthly Escrow: $2,367

Note: Homestead Credit requires annual application and provides assessment growth limitations. Credits shown are estimates and vary by taxing district.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Genesee County require property tax escrow accounts to ensure timely tax payments. Your lender collects approximately 1/12th of your annual property tax bill with each monthly mortgage payment, holding these funds in an escrow account until tax bills are due.

Genesee County issues property tax bills twice yearly: summer tax bills are typically due in September, and winter tax bills are due in February. Your lender will pay these bills directly from your escrow account when due. Lenders must provide an annual escrow analysis showing account activity and any required payment adjustments.

Property owners should verify that their mortgage company has current contact information with the county treasurer's office and review escrow statements for accuracy. If your property taxes increase due to reassessment or new special assessments, your monthly escrow payment will be adjusted accordingly. You have the right to request escrow account information and dispute any errors in tax payments made by your lender.

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 Genesee County for 2025? A: Summer tax bills are typically due in September 2025, and winter tax bills are due in February 2026. Verify exact dates with the Genesee County Treasurer's office as specific due dates may vary.

Q: What is the Homestead Property Tax Credit and how do I apply? A: The Homestead Credit limits annual assessment increases to inflation or 5% (whichever is less) for owner-occupied primary residences. You must file an application with your local assessor's office - it is NOT automatic. Applications are typically due by filing deadlines in spring.

Q: Are there other tax credits available that require application? A: Yes, including disabled veteran exemptions, senior citizen exemptions, and poverty exemptions. All require separate applications with specific documentation and income requirements. Contact your local assessor's office for eligibility requirements and deadlines.

Q: How often are properties reassessed in Genesee County? A: Properties are assessed annually, but major reassessment projects may occur every few years. Assessment notices are typically mailed in spring, and you have the right to appeal if you believe your assessment is incorrect.

Q: What happens if I pay my property taxes late? A: Late payments incur penalties and interest charges. Summer taxes become delinquent after September 30th, and winter taxes after February 28th. Delinquent taxes may eventually result in foreclosure proceedings.

Q: Can I pay property taxes online? A: Most jurisdictions in Genesee County offer online payment options through their treasurer's websites. Check with your specific city, township, or county treasurer for available online payment methods and any associated fees.

Q: Why do special district taxes vary so much within the county? A: Different areas are served by different combinations of fire districts, library districts, park authorities, and drainage districts. Your exact tax rate depends on which special districts serve your specific property location.

Q: How do I appeal my property assessment? A: Start with your local assessor's office for informal review. If unresolved, you can appeal to the local Board of Review (typically meets in March), then to the Michigan Tax Tribunal if necessary. Appeals must be filed within specific deadlines.

Q: What documentation do I need for tax credit applications? A: Requirements vary by credit type but may include proof of residency, income documentation, military service records, or disability verification. Contact your assessor's office for specific requirements and application forms.

Q: How does property tax escrow work when I refinance? A: Your new lender will typically establish a new escrow account and may require several months of tax payments upfront. Your previous lender should refund any remaining escrow balance within 30 days of loan payoff.

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