Free Michigan tool

Buying a house in Michigan

A Michigan purchase comes with math the listing never shows. The property tax bill can reset after the sale, there is a transfer tax at closing, a 45-day form, and in some cities a local income tax. This planner walks through all of it in four short steps, and the result is one page you can share by link.

Michigan home-purchase planner

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This planner needs JavaScript enabled. The same math lives on the property-tax, closing-costs, and homebuyer-timeline pages, and the State of Michigan's official estimator is at treas-secure.state.mi.us/ptestimator.

The tools behind the planner

Go deeper on any piece

Each part of the plan has a full page with the detailed math, the what-ifs, and the official forms.

Michigan Property Tax Calculator

The full pop-up estimate, with a what-if table for a different assessed value.

Open the calculator →

Closing Cost Calculator

Adjust the down payment, cost cushion, and insurance behind the cash number.

Estimate closing costs →

Homebuyer Timeline Calculator

Every after-closing deadline explained, with what to file and where.

Build the timeline →

City Income Tax Checker

The wage-level estimate for living or working in a taxed city.

Check city tax →

Michigan glossary

Taxable Value, SEV, PRE, escrow — the words behind the numbers, defined.

Look up a term →

Michigan place pages

Statewide city, township, and village pages with local rates and notes.

Browse places →

Know when Michigan's rules change

Buying in Michigan? We send the deadline reminders that follow a closing — the transfer affidavit, PRE filing dates, and tax-bill timing.

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Sources and review

Where these numbers come from

The planner runs the same math as the property-tax, closing-costs, homebuyer-timeline, and city-income-tax tools, built from official published rates and statutes.

Data used: 2025 Michigan Treasury millage rates, statutory transfer tax rates, Michigan deadline statutes, and the Treasury city-income-tax list
Last reviewed: June 8, 2026

Michigan Treasury millage-rate reports for official local millage-rate reports.
Michigan Treasury change-of-ownership guidance for Proposal A, uncapping, and ownership-transfer rules.
State of Michigan property tax estimator for official parcel-oriented property tax estimate.
MCL 207.504 for county transfer tax rate.
MCL 207.525 for state transfer tax rate.
Michigan Compiled Laws §211.27b for Property Transfer Affidavit filing and late penalties.
Michigan Treasury PRE claim requirement for June 1 and November 1 PRE deadlines.
MCL 211.44a for summer and winter tax bill timing.
Michigan Treasury list of cities that impose income tax for current list of city income tax authorities.

Use this carefully: Every figure is a planning estimate. The local assessor, treasurer, lender, title company, and city tax office control parcel-specific values, fees, due dates, and the final numbers.