Taxes & Insurance in Royal Oak
Royal Oak applies Michigan's flat state income tax with NO city add-on, a precisely-itemized city millage layered on an above-state-median effective property tax rate, and Michigan's standard statewide homeowners-insurance range.
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Learn moreMichigan's flat state income tax, with no Royal Oak add-on
Michigan levies a flat 4.25% state income tax. Royal Oak 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 Royal Oak city income tax on that authoritative basis, deliberately discarding a conflicting, unreliable 1.22% figure found in one lower-confidence source.
A real, precisely-itemized 2025 city millage
Royal Oak's 2025 city-specific millage totaled 17.1220 mills: 6.7424 for general operations, 3.6241 for police/fire/EMS, 2.4745 for roads, 0.9898 for library bonds, 2.3381 for refuse/recycling, 0.6928 for parks/forestry/recreation, 0.1979 for senior services, plus smaller drain and publicity-tax allocations.
Property tax runs above the Michigan median, with ZIP-level variation
Royal Oak's own median effective property tax rate ran 1.28% per Ownwell -- above Michigan's statewide (1.05%) and national (1.02%) medians -- with ZIP-level variation between 1.23% (48073) and 1.34% (48067).
Michigan's standard homeowners-insurance range applies
Michigan average annual premiums carry a real, disclosed $1,943-$2,924/year statewide spread, with no Royal-Oak-specific figure distinct from that range found this pass.
Key takeaways
- Michigan's flat 4.25% state income tax applies, with NO Royal Oak city income tax, confirmed against the state's own official 24-city list.
- Royal Oak's 2025 city millage totaled a real, precise 17.1220 mills, itemized across operations, police/fire/EMS, roads, and other services.
- Royal Oak's overall effective property tax rate (1.28%) runs above the Michigan statewide median.
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