Utica property taxes & housing data
Utica is taxed at 40.6467 mills across 1 school district. That is 1.23 mills above the Macomb County median and 8.04 mills above the Southeast Michigan median — the 15th lowest of 24 municipalities in the county, and 166 of 236 region-wide.
Rates by school district
| School district | Homestead | Non-homestead | $250,000 | $350,000 | $500,000 |
|---|---|---|---|---|---|
| Utica Community School District | 40.6467 | 58.6467 | $5,081 | $7,113 | $10,162 |
Homestead (PRE) applies to your primary residence. Non-homestead applies to rentals and second homes. Dollar columns are the annual bill at the uncapped taxable value — half the purchase price — at the homestead rate.
How Utica compares in Macomb County
| Municipality | Lowest millage | Annual tax on $350,000 |
|---|---|---|
| Harrison Township | 34.3809 | $6,017 |
| Sterling Heights | 38.9277 | $6,812 |
| Richmond | 39.8993 | $6,982 |
| Memphis | 40.2848 | $7,050 |
| Utica | 40.6467 | $7,113 |
| New Baltimore | 40.8182 | $7,143 |
| Grosse Pointe Shores Village | 43.5773 | $7,626 |
| Fraser | 46.5688 | $8,150 |
| Saint Clair Shores | 47.6075 | $8,331 |
← Memphis (lower) · New Baltimore (higher) →
For sale in Utica right now
13 active listings in Utica — the 6 newest below. Remember: every one of them uncaps the year after closing, so the bill you should budget is the uncapped one above, not the seller's.
$96,500
45731 Kensington ST · Utica
3 bd · 2 ba · 1,800 sqft
Listing courtesy of Real Estate One Clinton
$309,000
8125 Mackay CT · Utica
3 bd · 2 ba · 1,637 sqft
Listing courtesy of LawyersRealtyMI
$240,000
8175 Mackay CT · Utica
3 bd · 1 ba · 954 sqft
Listing courtesy of RE/MAX Eclipse
$350,000
53277 Garland DR · Utica
4 bd · 3 ba · 3,705 sqft
Listing courtesy of RE/MAX First
$55,000
11497 Pinewood DR · Utica
1 bd · 1 ba · 610 sqft
Listing courtesy of Epique Inc.
$255,000
45062 Custer Avenue · Utica
3 bd · 2 ba · 2,119 sqft
Listing courtesy of Hoyt Real Estate Inc
IDX provided courtesy of Realcomp II Ltd. via Match Realty LLC and MiRealSource, Realcomp II Ltd, ©2026 Realcomp II Ltd. Shareholders. The accuracy of all information, regardless of source, is not guaranteed or warranted. All information should be independently verified. Listings refreshed 2026-11-03T21:03+00:00; refreshed at least twice daily.
Compare Utica with another community
Utica has 9 side-by-side comparisons, 5 of them with a community that shares a school district — same schools, different bill. Dollar columns are the annual homestead bill on a $350,000 home at the uncapped taxable value, and the last column is the difference against Utica.
| Comparison | Their lowest millage | Annual tax on $350,000 | vs Utica |
|---|---|---|---|
| Utica vs Washington Township · same schools | 23.4934 | $4,111 | −$3,002 |
| Utica vs Macomb Township · same schools | 25.4068 | $4,446 | −$2,667 |
| Utica vs Ray Township · same schools | 25.9689 | $4,545 | −$2,569 |
| Utica vs Shelby Township · same schools | 28.5500 | $4,996 | −$2,117 |
| Utica vs Grosse Pointe Shores Village | 43.5773 | $7,626 | +$513 |
| Utica vs Sterling Heights · same schools | 38.9277 | $6,812 | −$301 |
| Utica vs Richmond | 39.8993 | $6,982 | −$131 |
| Utica vs Memphis | 40.2848 | $7,050 | −$63 |
| Utica vs New Baltimore | 40.8182 | $7,143 | +$30 |
Look up, pay and appeal your Utica taxes
Utica bills twice a year. The summer bill is issued July 1 and the winter bill December 1; most communities make them due September 14 and February 14, and anything still unpaid on March 1 moves to the county treasurer as delinquent, with interest added monthly. Both bills are collected by the Utica treasurer, so the balance on a specific parcel is on the city or township site first (most of Southeast Michigan uses BS&A Online for this) and on the county site once it is late.
- Macomb County tax information — parcel and tax search for Macomb County addresses.
- Macomb County Treasurer — where a bill goes once it is delinquent: balances, payment plans and the hardship deferral.
- Estimate a bill before you look one up — the figure on the current owner's statement is capped; this gives you the uncapped one.
Appealing the assessment
Assessment notices go out in late February. If the assessed value is more than half of what the house would actually sell for, the appeal runs in two steps and the first one cannot be skipped: the March Board of Review in Utica (dates and the petition form are on the assessor's notice), then, if the board does not move, a petition to the Michigan Tax Tribunal by July 31 for residential property. The July and December boards do not re-value: they correct qualified errors (clerical mistakes, mutual mistakes of fact, a wrong principal residence exemption) and hear poverty exemptions. A successful appeal lowers the assessed value, not the millage — the 40.6467 mills above apply to whatever value stands after it.
A home bought this year is a special case: the taxable value uncaps to the assessed value next year regardless of the appeal, so the number to check on the first notice after closing is the assessed value against the price you paid.
What it's like to own in Utica
Beyond the tax rate, three things shape what owning in Utica actually costs: the age of the homes, what the water utility reports at the tap, and what local air testing has turned up. Each figure below carries the date of the survey it came from.
Housing stock
1957
average year built · 1,586 sqft average across 933 single-family homes
SEMCOG Buildings_2024
Lead in drinking water
2 ppb
90th percentile for Utica, City Of · below Michigan's 12 ppb action level. Sampled at the fifth liter, which deliberately draws water that sat in the service line and reads higher by design — not comparable to systems that sample standard.
EGLE / MDHHS water-system monitoring, periods ending 2025-12-31
Radon
2.97 pCi/L
average across 187 home tests · 23% above the EPA 4 pCi/L action level — elevated. ZIP 48317.
MDHHS indoor radon test results by ZIP
Lead is measured at the water system, not the house — it cannot tell you whether a specific property has a lead service line. Radon is a ZIP-level test distribution, not a prediction for any one home; the EPA recommends testing every home regardless. Screening information only.
Common questions
What is the property tax rate in Utica, Michigan?
Utica is taxed at 40.6467 mills for a homestead (principal residence) under the official 2025 Michigan Department of Treasury millage report. On a $350,000 home at the uncapped taxable value that is about $7,113 a year.
Does the tax rate change by address within Utica?
No. All of Utica sits in Utica Community School District, so the millage is 40.6467 at every address in the municipality. Your bill still changes after you buy, because it is recalculated on the uncapped taxable value rather than the seller's capped one.
How much are property taxes on a $350,000 home in Utica?
About $7,113 a year at the homestead rate. Michigan taxes the taxable value, not the sale price, and after a sale that value uncaps to roughly half what you paid — so $350,000 is taxed on about $175,000.
Why is the tax bill on a Utica listing lower than what I would pay?
Because the figure on the listing is the seller's. Michigan caps annual taxable-value growth while an owner keeps the property, and that cap is removed the year after it sells. The longer the seller owned it, the further their bill sits below yours.
How does Utica compare with the rest of Macomb County?
It is the 15 lowest of 24 municipalities in Macomb County and 166 of 236 across the eight-county region — 1.23 mills above the county median.
How do I look up or pay my Utica property tax bill?
Summer and winter bills are collected by the Utica treasurer, so the balance on a parcel is on the municipality's own site (usually BS&A Online). Once a bill is delinquent — March 1 — it moves to the Macomb County Treasurer, whose parcel search covers every address in the county.
How do I appeal my Utica property tax assessment?
Petition the Utica March Board of Review first — the dates are on the assessment notice mailed in late February — and, if that fails, the Michigan Tax Tribunal by July 31 for residential property. The board step is mandatory; the Tribunal will not hear a residential appeal that skipped it. An appeal changes the assessed value, not the millage (40.6467 mills).
Is down payment assistance available for homes in Utica?
Likely, but verify per program: 100% of the 66 Utica sales evaluated by Down Payment Resource over the last 12 months were flagged as potentially matching at least one assistance program. The flag is an indicator, not a promise — compare the programs and check your numbers.
What your Utica taxes become after you buy
Michigan taxable value uncaps the year after a sale and resets to roughly half the purchase price. The calculator below is already set to Utica — enter a price and the seller's current taxable value.
Uncapping calculator
When a Michigan home changes hands, its taxable value uncaps the following year and resets to roughly half the sale price. Buyers routinely get blindsided by a bill that's thousands higher than the listing showed. Here's your actual number.
What will your tax bill be after closing?
Your taxable value uncaps the year after closing and resets to roughly half the purchase price — so a $350,000 home is taxed on about $175,000, whatever the seller was paying. Enter the price and the current taxable value below.