Midland, MI · Updated Oct 2026

What a Midland house pays

Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.

Sent only to free public map services to find who serves it. Not stored unless you save your house.

Example · a Midland house

$9,839a year · $820 a month

Starts at $123,400 of taxable value. Typical use.

Property tax$4,934
5.758% of $123,400 taxable value, with the principal residence exemption
Electricity and gas$2,839
628.09 kWh a month $1,885 · 68.74 therms $954
Water and sewer$1,010
7,000 gallons a month on City of Midland: water $36, sewer $48 a month
TrashIncluded
Paid through property tax; no separate trash fee
Home insurance$1,056
Typical premium $1,056

A typical Midland house pays about $9,800 a year: $4,930 property tax and charges, $1,010 water and sewer, $2,840 electricity and gas, $1,060 home insurance; trash is paid through property tax. Estimated from public rates, not anyone's actual bill.

Rates checked Oct 22, 2026. Insurance: what you enter, or a typical premium until you do. Sources are listed at the bottom.

Ways to pay less

Nothing here applies to every house automatically. These are worth checking:

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.
Summer tax deferment (income and eligibility limits)
A household income under $40,000 is required to request an Application for Deferment of Summer Taxes from the City Treasurer's Office. A citizen applying must also be: a taxpayer who is 62 years of age or older; a totally and permanently disabled person; blind person; eligible service person; eligible veteran; eligible widow or widower; paraplegic; quadriplegic. Applications with proof of income must be received by the Summer Tax due date (September 15).
How: Request the application from the City Treasurer's Office.
Lower incomes: Michigan Homestead Property Tax CreditUp to $1,900
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.
Monthly heavy-item pickup
Heavy Refuse Collection provides once-a-month pickup of bulky refuse items and brush.
How: Collection is once a month.

Money dates

Nov 1in 9 daysDeadline for filing a Homeowner's Principal Residence Exemption (PRE) Affidavit to be eligible for the winter tax bill (must own and occupy by November 1).
Feb 14in 114 daysWinter taxes are due and payable from December 1 to February 14 without penalty.
Jun 1Deadline for filing a Homeowner's Principal Residence Exemption (PRE) Affidavit to be eligible for the summer tax bill (must own and occupy by June 1).
Sep 15Summer taxes are due and payable from July 1 to September 15 without penalty; a 4% collection fee is levied on taxes unpaid after September 15.

Who serves this house

Water: City of Midland; City of Midland rates effective 7-01-26: a quarterly readiness-to-serve charge for a 5/8–3/4" meter plus $2.86 for each 1,000 gallons used per quarter
Property tax: 5.76% of value; 2026-27 city millage with 2025 county and school rates, Midland City / Midland Public Schools
Garbage: City of Midland Public Works; Weekly curbside refuse collection with a monthly heavy-item pickup
Sewer: City of Midland; Billed with water on the quarterly utility bill
Electricity: Consumers Energy; Midland is listed in Consumers Energy's electric service territory
Gas: Consumers Energy; Midland is listed in Consumers Energy's gas service territory
Schools: Midland Public Schools; The State's Midland City rate table lists Midland Public School and Bullock Creek School districts

Pay or manage your bills

Your water

Source: Midland has received its source water from Lake Huron since 1948.
Lead: City of Midland 2024 lead sampling: 2.5 ppb in the percentile column, action level 12 ppb, range 0.2-126.0 ppb, 1 site above the action level.
PFAS: PFBA (PFAS) was detected once in 2025 at 2.0 ppt, with violation listed as NO.

Other MI cities

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How these numbers are made

Property tax: the City of Midland's 2026-27 adopted total city millage of 15.64 mills is used, with the 2025 rates for Midland County (10.2730), Midland Public Schools (2.9016), Delta College (2.0559), State Education (6), and the Midland County Educational Service Agency (3.1104). These total 39.4808 mills with the 2025 city rate of 15.1399; the state has not published 2026 rates yet. An owner without a Principal Residence Exemption pays another 17.5984 mills (the state's 57.0792 vs 39.4808).
Taxable value: we start at $123,400, half of the City's stated average home value of $246,800 (assessment is 50 percent of market). Taxable value on your bill is often lower for long-time owners because of Michigan's cap. The City also collects a state-authorized property tax administration fee, not modelled here.
Water and sewer: City rates effective 7-01-26, 5/8–3/4-inch meter, billed quarterly: water $50.79 a quarter ($16.93 a month) plus $2.86 per 1,000 gallons; sewer $67.80 a quarter ($22.60 a month) plus $3.77 per 1,000 gallons. For domestic customers, summer-quarter sewer use is based on the winter average; this is not modelled. Other townships served by the City pay surcharges.
Garbage: no separate fee; curbside refuse, recycling and yard waste are funded by the General Operations millage already in the city tax rate. The optional gray city bin is a one-time $80 purchase.
Electricity and gas: Michigan Public Service Commission September 1, 2026 comparisons for Consumers Energy ($9.50 plus 23.5 cents per kWh; gas $17.00 plus $0.94293 per Ccf, converted at 1.037 therms per Ccf). Typical use is the EIA Consumers/Michigan average, not a Midland figure. Insurance: 2022 NAIC statewide average. Midland has no city income tax.
Nothing here is legal, tax or insurance advice.

Sources

Common questions about Midland house costs

What is the property tax rate in Midland?

About 4.00% of taxable value a year for an owner's principal residence, or 5.76% without the Principal Residence Exemption (2026-27 city millage with 2025 county and school rates, Midland City / Midland Public Schools).

How much is property tax on a $500,000 house in Midland?

A house bought for $500,000 starts at about $250,000 of taxable value (50% of its value), so about $9,995 a year with the principal residence exemption. After that, taxable value rises by inflation or 5%, whichever is lower, until the house sells again.

How much is the water bill in Midland?

About $84 a month for water and sewer at typical use (7,000 gallons a month) on City of Midland.

How much does trash pickup cost in Midland?

Paid through property tax; no separate trash fee

Can seniors lower their property tax or bills in Midland?

Yes. Summer tax deferment (income and eligibility limits): A household income under $40,000 is required to request an Application for Deferment of Summer Taxes from the City Treasurer's Office. A citizen applying must also be: a taxpayer who is 62 years of age or older; a totally and permanently disabled person; blind person; eligible service person; eligible veteran; eligible widow or widower; paraplegic; quadriplegic. Applications with proof of income must be received by the Summer Tax due date (September 15).

How much does a house in Midland cost to run each year?

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