HonestCasa logoHonestCasa
Updated 2025 Tax Year

Monroe County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
25-35 mills (2.5%-3.5% of assessed value), varies by taxing district
1st Due
Jul 1
2nd Due
Dec 1
Exemptions
5+ Available
Section 1

How Property Tax Works

Monroe County, Michigan operates under the state's property tax system where taxes are collected to fund essential local services including schools, municipal operations, county services, and special districts. Property taxes in Monroe County are based on assessed values determined by local assessors, with the state equalized value (SEV) typically representing 50% of true cash value. The effective tax rate in Monroe County varies significantly by location within the county, typically ranging from approximately 25 to 35 mills (2.5% to 3.5% of assessed value), depending on the specific taxing jurisdictions that serve each property.

The county's tax system includes multiple components: county operations, school districts, municipalities, townships, and various special assessment districts such as library districts, fire departments, and drainage districts. For 2025, Monroe County's base millage rate is capped at 0.543 mills with a maximum allowable rate of 0.75 mills. However, property owners will pay additional millages from their local school district, city or township, and any applicable special districts, making the total effective rate much higher than the county portion alone.

It's important to note that actual tax rates vary considerably by specific location within Monroe County due to different combinations of school districts, municipalities, and special taxing districts that serve each area. Property owners should verify their specific tax rate by reviewing their actual tax bill or contacting their local assessor's office.

Section 2

What Makes Up Your Tax Bill

ComponentRate (Mills)Description
Monroe County Operating0.543 (max)County government services, courts, sheriff, health department
School District18-24 (typical)Local school operations, varies by district
Municipality/Township1-8 (varies)City or township services, police, fire, roads
Intermediate School District3-4 (typical)Regional education services
Community College2-3 (typical)Monroe County Community College
Library District0.5-2 (varies)Public library services where applicable
Special AssessmentsVariesFire protection, drainage, lighting districts

Levy Year: These rates apply to the 2025 tax year (collected in 2025-2026).

Important: Total millage rates vary significantly by location within Monroe County based on which taxing jurisdictions serve each property. Rural areas may have different school districts and special districts compared to incorporated cities. Property owners should refer to their actual tax statement for their specific combined millage rate, which typically totals between 25-35 mills countywide.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Monroe 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 Monroe County are additional property tax bills issued when there are changes to a property's assessed value during the tax year. The most common triggers include new construction, property improvements, ownership transfers that remove existing exemptions, or corrections to the original assessment. When a supplemental assessment is issued, it represents the difference between the original tax amount and the new tax amount, prorated for the remaining months in the tax year.

For example, if a homeowner completes a $100,000 addition to their home in June, the assessor will issue a supplemental assessment for the increased value. If the addition increases the assessed value by $50,000 and the total millage rate is 30 mills, the additional annual tax would be $1,500. Since the improvement was completed in June with 7 months remaining in the tax year, the supplemental tax bill would be approximately $875 (7/12 × $1,500). This supplemental bill is typically issued within 30-60 days of the assessor becoming aware of the change and has its own due date separate from regular tax bills.

Example Calculation

Property Value: $300,000

  • Assessed Value (50% of market value): $150,000
  • Less: Principal Residence Exemption: -$18,000 (homestead exemption on school operating millage)
  • Net Taxable Value: $132,000
  • Annual Tax (30 mills): $3,960
  • Monthly Escrow: $330

Property Value: $600,000

  • Assessed Value (50% of market value): $300,000
  • Less: Principal Residence Exemption: -$18,000 (homestead exemption on school operating millage)
  • Net Taxable Value: $282,000
  • Annual Tax (30 mills): $8,460
  • Monthly Escrow: $705

Property Value: $1,000,000

  • Assessed Value (50% of market value): $500,000
  • Less: Principal Residence Exemption: -$18,000 (homestead exemption on school operating millage)
  • Net Taxable Value: $482,000
  • Annual Tax (30 mills): $14,460
  • Monthly Escrow: $1,205

Note: These examples assume a 30-mill total rate and application of the Principal Residence Exemption, which requires filing an affidavit with the local assessor. Actual rates and available exemptions vary by location within Monroe County. The Principal Residence Exemption also caps assessment increases at inflation or 5%, whichever is less, but requires proper application to receive benefits.

See How Taxes Affect Your Payment

Property taxes are just part of your total monthly cost. Get the full picture.

Calculate Now
Section 5

Escrow & Property Taxes

Most Monroe County property owners with mortgages have their property taxes collected through an escrow account managed by their mortgage lender. The lender collects monthly escrow payments along with the mortgage payment, then pays the property taxes directly to the county treasurer when taxes are due. Lenders typically collect 1/12th of the estimated annual tax bill each month, plus a cushion amount as allowed by federal regulations.

Monroe County issues winter tax bills annually in early December with payment due by February 14th (February 17th in some jurisdictions). Lenders usually pay these bills before the due date to avoid penalties. Property owners should verify that their lender has received and paid their tax bills on time, as late payments result in a 3% penalty. If there are significant changes to the property tax amount due to reassessment or new construction, the lender will adjust the monthly escrow payment accordingly, typically at the annual escrow analysis.

Property owners can verify tax payments by checking Monroe County's online property tax records or contacting the county treasurer's office. If paying taxes directly without escrow, online payments are typically available through the county's website, and payments can also be made by mail or in person at designated offices.

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 Monroe County for the 2025-2026 fiscal year? A: Winter tax bills are mailed in early December and are due by February 14th (some jurisdictions February 17th). A 3% penalty is added to any delinquent taxes after the due date.

Q: What is the Principal Residence Exemption and how do I apply? A: The Principal Residence Exemption is a tax credit that reduces taxes on your primary residence by exempting the home from school operating millage (typically saving $300-600 annually). It also caps annual assessment increases at inflation or 5%, whichever is less. You must file a Principal Residence Homestead Exemption Affidavit with your local assessor's office. This is NOT automatic and requires application.

Q: What other tax credits are available in Monroe County? A: Available credits may include disabled veteran exemptions, senior citizen exemptions, and poverty exemptions. Each requires a separate application with documentation submitted to your local assessor's office by specific deadlines. Contact your municipal or township assessor for specific requirements and application deadlines.

Q: When are properties reassessed in Monroe County? A: Michigan law requires annual assessments, but most properties undergo detailed reappraisal every 3-5 years unless there are significant market changes or property improvements. Assessment notices are typically mailed in March, with appeals due by the second Monday in May.

Q: How do I appeal my property assessment? A: File an appeal with your local Board of Review by the second Monday in May. Contact your city or township assessor's office for the specific appeal form and procedure. You may present evidence such as recent appraisals, comparable sales, or photos showing property condition.

Q: Can I pay property taxes online? A: Yes, most Monroe County jurisdictions offer online payment options through the county treasurer's website or individual municipal websites. Payment methods typically include electronic check or credit card (fees may apply for credit cards).

Q: Why do tax rates vary within Monroe County? A: Different areas are served by different school districts, municipalities, townships, and special districts (libraries, fire departments, etc.). Your total millage rate depends on which combination of these taxing authorities serve your specific property location.

Q: What happens if I don't pay property taxes on time? A: A 3% penalty is added immediately after the due date. If taxes remain unpaid, additional interest and fees accrue. After three years of delinquency, the property may be subject to foreclosure proceedings by Monroe County.

Q: How does new construction affect my property taxes? A: New construction or improvements trigger a supplemental tax bill for the increased assessed value, prorated for the remaining months in the tax year. The assessor will issue this supplemental bill within 30-60 days of discovering the improvement.

Q: Do I need to reapply for exemptions every year? A: Most exemptions, including the Principal Residence Exemption, remain in effect as long as you continue to qualify. However, some exemptions like poverty exemptions may require annual reapplication. Always verify with your local assessor's office about renewal requirements.

See the Full Picture of Your Home Costs

Property taxes are just one piece of homeownership. HonestCasa helps you understand your total monthly cost and explore safe ways to access your home equity.

Total Monthly Cost

Mortgage + taxes + insurance + HOA

Equity Growth

Track how your equity grows over time

Safe Equity Access

Options for projects or debt payoff

Free • No credit check • 2-minute estimate