Taxes & Insurance in Ferndale
Ferndale applies Michigan's flat state income tax with NO city add-on, a genuinely complex but precisely-documented local millage, and Michigan's standard statewide homeowners-insurance range.
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Learn moreMichigan's flat state income tax, with no Ferndale add-on
Michigan levies a flat 4.25% state income tax. Ferndale does not appear on the Michigan Department of Treasury's own official list of the 24 Michigan cities levying a local income tax -- this record confirms NO Ferndale city income tax on that authoritative basis.
A real, complex local millage history
Ferndale's original 20-mill city operating levy has been reduced via Michigan's Headlee Amendment rollback mechanic to 11.4144 mills for 2025. A 2015 voter-approved 10-year Headlee override added 4.2808 mills, bringing the 2025 combined general operating millage to 15.6952 mills -- a real, genuinely complex, but precisely-documented local tax history.
Property tax runs above the Michigan median
Ferndale's own effective property tax rate carried a real, disclosed spread across sources (1.56%-1.61%), above Michigan's statewide median (1.05%), with a median annual bill of approximately $3,768 on a cited $233,600 home.
Michigan's standard homeowners-insurance range applies
Michigan average annual premiums carry a real, disclosed $1,943-$2,924/year statewide spread, with no Ferndale-specific figure distinct from that range found this pass.
Key takeaways
- Michigan's flat 4.25% state income tax applies, with NO Ferndale city income tax, confirmed against the state's own official 24-city list.
- Ferndale's local millage carries a real, complex history: a Headlee-rolled-back 11.4144-mill base plus a 2015 voter-approved 4.2808-mill override.
- Ferndale's overall effective property tax rate (1.56%-1.61%) runs above the Michigan statewide median.
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