Bay City property tax: where it goes
A typical Bay City house pays about $2,280 a year on the property tax bill, including flat charges on the same bill. Estimated from public rates, not anyone's actual bill.
A Bay City house pays 6.473% of its taxable value before the exemption (4.673% with it) in property tax. For a house at $48,800 of taxable value with the homestead exemption, that's about $2,280 a year.
Tax is levied on taxable value.
The State of Michigan has not yet published 2026 total rates, so the 2025 totals are used.
Pay or manage it
Who taxes this house
| Taxing agency | Rate | On $48,800 |
|---|---|---|
| Total 2025 millage for a principal residence, Bay City with Bay City School District (city, county, schools and other levies) | 4.6728% | $2,280 |
| Added local school operating millage on property without a Principal Residence Exemption (non-homestead 64.7281 minus 46.7281 mills), 2025 (schools) | 1.8% | $0 |
| Total | 6.473% | $2,280 |
2025 total rates, Bay City / Bay City School District. Exemptions applied: Principal Residence Exemption (exempts an owner's principal residence from the local school operating millage, up to 18 mills) ($48,800).
How Bay City compares with nearby cities
Property tax rate
- Midland · 17 mi5.76%
- Owosso · 44 mi5.99%
- Mount Pleasant · 44 mi6.25%
- Bay City6.47%
- Flint · 40 mi7.02%
- Saginaw · 12 mi7.38%
The combined rate of every agency on the bill, before exemptions.
Ways to pay less
- Principal Residence Exemption. A principal residence exemption exempts an owner's principal residence from the local school operating millage, up to 18 mills. How: File a Principal Residence Exemption Affidavit (Form 2368) with the assessor for the city where the property is located.
- Lower incomes: Michigan Homestead Property Tax Credit. Tax year 2025 limits: maximum taxable value $165,400, total household resources limit $71,500, phase-out above $62,500, credit limit $1,900. How: See the Michigan Department of Treasury's Homestead Property Tax Credit information.
Dates
| When | What |
|---|---|
| Feb 14 | Winter taxes are payable December 1 through February 14 without interest |
| Jun 1 | File a Principal Residence Exemption Affidavit by June 1 to lower that year's taxes starting with the summer levy |
Sources
- Michigan Treasury 2025 total property tax rates
- Michigan Treasury: Principal Residence Exemption
- City of Bay City tax bill payments
- Property-Assessment
- tax-year-2025-guidance
Checked October 28, 2026. Every number here comes from the public sources listed, matched by our checker.
Rates change every year; this page shows when it was last checked. Nothing here is legal, tax or insurance advice.
Property tax in other Michigan cities
Ann Arbor property taxBattle Creek property taxBeverly Hills property taxFlint property taxGarden City property taxGrand Rapids property taxJackson property taxLincoln Park property taxSaginaw property taxWalker property taxWayne property taxWyoming property taxAll Michigan cities →