48642 Property Tax Rate
Midland, Michigan · Part of Midland County
Effective Tax Rate
1.64%
31.4% above state avgMedian Annual Tax
$3,188
$266/mo escrow
Estimate Your Tax
Annual Tax
$3,188
Monthly
$266
Eff. Rate
1.64%
Buyer decision brief
What ZIP 48642 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$266/mo
Based on median annual tax paid
State context
0.42 percentage points above the Michigan average
Michigan average: 1.22%
Data confidence
High confidenceThe Census margin of error is $147, about 5% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Midland County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 48642 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Strong ACS confidence
$147 tax MOE, 5% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County advisory available
Midland County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 48642
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $194,100, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 1.64%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on Michigan and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $266 per month before insurance, HOA dues, or special assessments.
Assessor verification
Midland County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 48642 Compares
Median Annual Property Tax
ZIP 48642
1.64%
Effective rate
Michigan Avg
1.22%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Michigan
Higher than 89% of ZIP codes in Michigan(89th percentile, 957 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 48642
Property owners in ZIP code 48642 (Midland, Michigan) pay a median of $3,188/year in property taxes on homes valued at $194,100. This translates to an effective tax rate of 1.64%, which is 34% above the Michigan state average of 1.22%.
The monthly property tax burden for a median-valued home in 48642 is approximately $266, which factors into escrow payments on mortgages. This ZIP code is located within Midland County. This is $762 more than the Michigan average of $2,426/year.
Compared to similar ZIP codes in Michigan, 48642 has higher property taxes. ZIP codes with similar effective rates include 48917 (1.64%) and 48733 (1.64%).
In Midland, property taxes represent approximately 4.1% of the median household income of $77,690, providing context for the relative tax burden on homeowners in this area.
Under Proposal A, uncapping at sale resets your assessed value to purchase price, and Midland County's 1.47% effective rate means a significant year-one tax increase. Apply immediately for the Principle Residence Exemption (PRE) with the Midland County Assessor — this exemption removes school operating millage from primary residences and is the most important tax relief available to you. File the PRE application by December 1 to ensure the exemption takes effect for the next tax year.
Frequently Asked Questions
What is the property tax rate in ZIP code 48642?
How much are property taxes in Midland, MI (48642)?
How does ZIP 48642 compare to the Michigan average?
What is the median home value in ZIP 48642?
What county is ZIP code 48642 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$147. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 48642 is part of Midland County, Michigan. View the full county profile for broader context and more data.
View Midland County on TaxByCounty →Explore Midland, MI
View all 2 ZIP codes in Midland with property tax comparisons.
View Midland Property Tax Rates →Why compare these ZIPs?
Better comparison set for ZIP 48642
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
48640
Midland, MI
0.16 percentage points lower than ZIP 48642.
Rate
1.48%
Tax
$2,830
Quality
96
48618
Coleman, MI
0.18 percentage points lower than ZIP 48642.
Rate
1.47%
Tax
$1,763
Quality
89
48628
Hope, MI
0.16 percentage points lower than ZIP 48642.
Rate
1.48%
Tax
$2,782
Quality
89
48657
Sanford, MI
0.08 percentage points lower than ZIP 48642.
Rate
1.56%
Tax
$2,672
Quality
89
49757
Mackinac Island, MI
0.73 percentage points lower than ZIP 48642.
Rate
0.91%
Tax
$7,589
Quality
69
49636
Glen Arbor, MI
1.03 percentage points lower than ZIP 48642.
Rate
0.61%
Tax
$4,563
Quality
82
48009
Birmingham, MI
0.24 percentage points lower than ZIP 48642.
Rate
1.40%
Tax
$10,001
Quality
70
49654
Leland, MI
1.21 percentage points lower than ZIP 48642.
Rate
0.43%
Tax
$2,973
Quality
65
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.