Michigan · County property tax · ACS 2024
Montcalm County Property Taxes
The median homeowner in Montcalm County pays $1,876 a year, an effective rate of 1.01%, modestly below the U.S. average.
- $1,876
- Median tax / yr · Above-median bill
- 1.01%
- Effective rate · Above-median rate
- -6%
- vs U.S. average
- #56 of 83
- rank in MI
The verdict
Homeowners in Montcalm County pay a median $1,876 a year in property tax, an effective rate of 1.01%, more affordable than 34% of U.S. counties (Census ACS 2024).
- $1,876
- Median annual tax bill, 2024
- 1.01%
- Effective rate on median home
- #2058 of 3135
- U.S. counties by tax burden
- -6%
- vs the national average bill
Effective rate is the median property tax bill divided by the median home value ($185,500). U.S. Census Bureau, ACS 5-Year Estimates · 2024.
Census Bureau ACS property tax data for Michigan. Population: 67,816. Owner-occupied homes: 20,380.
The median annual property tax in Montcalm County is $1,876, which is 35% lower than the Michigan state average and 6% below the national average. The effective tax rate is 1.01% on a median home value of $185,500. Property taxes represent 2.8% of the median household income in this county.
Montcalm County's rate standing among U.S. counties
Primary signal
The effective rate sits near the national middle
Montcalm County's 1.01% effective rate sits near the middle of 3,135 tracked counties (more affordable than 34%).
Decision signal 2
The bill sits below the Michigan median
Homeowners in Montcalm County pay a median annual property tax of $1,876, modestly below the national median and well below the Michigan state median. On a $185,500 median home, that works out to an effective rate of 1.01% once the local assessment base and millage are combined.
Decision signal 3
Near the middle of Michigan counties by effective rate
Montcalm County ranks #56 of 83 counties in Michigan by effective rate (33% of in-state counties pay a lower rate).
Decision signal 4
Income and the tax bill sit in the middle band
Property taxes in Montcalm County run within the commonly cited 2%-4% national benchmark, at about 2.8% of the $67,344 median household income.
Informational notice
Figures describe the median homeowner household in Montcalm County as reported to the Census Bureau; your parcel can differ. Not tax, legal, or financial advice: check the county assessor or a qualified professional before decisions that depend on these numbers.
The rate gave way faster than almost anywhere
Between the 2020 and 2024 releases the median home value in Montcalm County rose 52.3%, from $121,800 to $185,500. The effective rate fell 22.0% over the same span, a steeper move than in 88% of U.S. counties.
The median bill still rose 18.8%, to $1,876. Where the rate drops this far and the bill rises anyway, what changed is the value the rate is applied to.
Effective rate is the published median bill divided by the published median home value, so the two multiply back to the bill exactly; the rate's movement here is derived from those two figures rather than read from the rounded published rate. Both are ACS 5-year survey estimates for the median owner-occupied household, compared across non-overlapping releases. They describe what the Census published, not a local policy, assessment, or exemption change.
How to read this county's bill
Bills rose across 2020-2024, from $1,579 to $1,876, a gain of 19%. This is a comparison of published ACS medians, not an explanation of a particular property's assessment or tax bill.
The fullest band here is the $800 to $1,499 range, holding 5,373 of 20,380 owner-occupied homes (26.4%). The band shows where the largest share of reported owner-occupied households falls; it is not an individual-bill estimate.
Both the income and the rate here sit in the third quarter nationally, and the median bill is 2.8% of median household income. Two above-average figures pulling in opposite directions is why the rate on its own is a poor guide.
The share above is the median annual bill divided by median household income, a ratio of two county-level medians rather than a household-by-household figure.
What Montcalm County Homeowners Actually Pay
The single largest group of Montcalm County homeowners, 5,373 of 20,380 owner-occupied homes (26.4%), pays $800 to $1,499 a year. The median is one point in this spread, not a typical bill.
- Less than $800 9.1% (1,858)
- $800 to $1,499 26.4% (5,373)
- $1,500 to $1,999 14.9% (3,040)
- $2,000 to $2,999 22.3% (4,552)
- $3,000 or more 20.7% (4,212)
Census ACS 2024, table B25102. Bands and the no-tax share sum to 100%.
1,345 homes here (6.6%) report no real estate tax at all. Exemptions are set by state: how Michigan handles assessments and appeals.
With vs Without Mortgage
In Montcalm County, mortgaged homeowners pay 13% more than those without a mortgage, a gap that typically tracks higher home values rather than a different tax rate.
Montcalm County's effective rate vs peers
Effective property tax rate (median tax ÷ median home value), ACS 2024.
Montcalm County's effective rate is higher than 33% of the 83 counties in Michigan - ranking #56 of 83.
Where Montcalm County sits among every U.S. county
Effective property tax rate (median tax ÷ median home value)
1.01% more affordable than 34% of 3,135 U.S. counties
Show national distribution
Each bar is a band; taller bars hold more U.S. counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2024
Below Michigan on both measures
Montcalm County's effective rate runs 19% under the Michigan median and its bill 35% under. Both sitting on the same side means the gap is not a valuation artefact: a county can post a low rate purely because its homes are expensive, but then the bill rises to meet the state. Here it does not, so the $1,876 median bill reflects a genuinely lighter charge than the Michigan norm rather than a different denominator. Compare it against the state page before reading anything into the county rank.
Montcalm County vs Benchmarks
| Metric | Montcalm County | Michigan Avg | U.S. Avg |
|---|---|---|---|
| Median Annual Tax Above-median bill | |||
| Effective Tax Rate Above-median rate | |||
| Median Home Value | |||
| Tax as % of income Above-median income burden | 2.8% | - | - |
Source: U.S. Census Bureau, ACS 5-Year Estimates. Tax-burden differences across rows reflect millage decisions, assessment-ratio practices, and the residential-vs-commercial mix of each tax base.
Montcalm County is PAR · MID on ACS medians, still verify your parcel card before quoting the county figure. Estimate appeal savings · Michigan counties.
Montcalm County rate trail · PAR
| Year | Median Tax (vs prior release) | Effective Rate |
|---|---|---|
| 2024 | $1,876 +1.4% | 1.01% |
| 2023 | $1,851 +5.8% | 1.08% |
| 2022 | $1,749 +8.5% | 1.13% |
| 2021 | $1,612 +2.1% | 1.25% |
| 2020 | $1,579 | 1.30% |
Each row is a separate ACS 5-year release, and consecutive releases share four of their five survey years. The percentage beside each bill is therefore movement in the published estimate against the previous release, not a single year's tax change. The two releases largely describe the same households. For change over time, compare releases that do not overlap.
Montcalm County: tax-to-income at 2.8%
Counties near Montcalm County's effective rate
On effective rate, Montcalm County sits nearest Charles County (MD), Campbell County (KY), Isanti County (MN).
On published median-tax change, the nearest matches are Dougherty County (GA), Poinsett County (AR), Dunklin County (MO).
How peers are chosen
These are the nearest cross-state matches in the published Census data, not neighboring counties or recommendations. Peers are rebuilt with each data release; see the calculation method.
Similar effective rates
Similar published median-tax changes, 2020–2024
Montcalm County: only 2% of returns show Schedule A real-estate tax
Tax year 2022: 590 of 29,630 returns from Montcalm County reported real estate taxes, averaging $4,619 - 34% of those reporters sat in the $100-200k AGI band.
What this IRS county file does not say
Amounts are reported before the SALT cap, not deducted; the share is of filers, not homeowners. Source: IRS SOI county data, tax year 2022.
Other Counties in Michigan
Montcalm County rate FAQs
- What is the average property tax in Montcalm County, Michigan?
- The median annual property tax in Montcalm County is $1,876, an effective rate of 1.01% on a $185,500 median home (Census ACS, 2024).
- How does Montcalm County property tax compare to the national average?
- Property taxes in Montcalm County run modestly below the national median of $1,993, an effective rate of 1.01% versus 0.92% nationally.
- What is the tax affordability score for Montcalm County?
- Montcalm County, Michigan scores D (44/100) on PlainPropertyTax's tax affordability composite across 5 Census ACS dimensions (effective rate, bill size, income share, mortgage gap, and home-value/income). Its strongest scored dimension here is mortgage premium at C+ (+$228). The score compares published county medians to U.S. percentiles, it is not a personal bill and not advice to buy, sell, appeal, or relocate.
- Are property taxes increasing in Montcalm County?
- The ACS median property-tax bill for Montcalm County climbed 18.8% between the 2020 and 2024 5-year releases, from $1,579 to $1,876, a 4-year span. These are survey estimates covering five years each, so this compares the two releases furthest apart rather than consecutive ones, which overlap and would mostly measure the same households twice.
- What percentage of income goes to property taxes in Montcalm County?
- Property taxes in Montcalm County run within the commonly cited 2%-4% national benchmark, at about 2.8% of the $67,344 median household income.
What to do with Montcalm County's PAR rate
Inside Michigan, Montcalm County's $1,876 median bill runs low versus the state median - check peer counties before assuming the lowest bill is the best move. Michigan overview →
Montcalm County ranks #56 of 83 Michigan counties by effective rate - on the lower-burden half of the state ACS set. Michigan overview →
Nationwide peers by effective rate (then bill)
Rate-first peers for Montcalm County's PAR effective rate, then a disjoint out-of-state bill set so the two neighborhoods stay distinct.
Similar effective rate
Nearest out-of-state counties by ACS effective rate. This county: 1.01%.
Similar median bill
Nearest out-of-state counties by ACS median annual tax. This county: $1,876/yr. Rate peers are excluded so the two link sets stay distinct.
Read with Montcalm County
Nearest ABS(median_tax) ACS peers for Montcalm County (PAR · MID), replacing the old fixed Keep exploring strip.
PAR MID
Harlan County, NE
ABS(median_tax) peer · tied with Montcalm County at $1,876/yr; rate 1.29% vs Montcalm County 1.01%.
Milam County, TX
ABS(median_tax) peer · $1,875/yr (near-tied bill ABS $1); rate 0.99% vs Montcalm County 1.01%.
Charles Mix County, SD
ABS(median_tax) peer · $1,878/yr (near-tied bill ABS $2); rate 1.10% vs Montcalm County 1.01%.
Dixon County, NE
ABS(median_tax) peer · $1,874/yr (near-tied bill ABS $2); rate 1.20% vs Montcalm County 1.01%.
Michigan county set
State ACS overview for every published Michigan county rate and median bill.
Assessment cycle basics
Montcalm County stamps PAR · MID - how assessed value and millage become the ACS median bill.
Data vintage and method
Data as of 2024. Source: U.S. Census Bureau, American Community Survey 5-Year Estimates.
Property tax data reflects median amounts paid by homeowners. Effective rates are calculated as median tax divided by median home value.
Source: U.S. Census Bureau American Community Survey 5-Year Estimates, county median real-estate taxes · 2024 Montcalm County (PAR · MID) - ACS medians, not a parcel bill.