ZIP 48632 · Freeman Township, MI

Eight governments run on your community's money

This page shows every government that serves ZIP 48632: the state, county, city or town and school district, and where each one's money comes from and goes.

Each government is shown for its own newest fiscal year on file, so the years differ. Figures come from the U.S. Census Bureau's Annual Survey of State and Local Government Finances, the government's own report or, for Michigan governments, the Michigan Department of Treasury, as named under Sources and more.

Where do my taxes go in 48632?
48632 is served by the State of Michigan, Farwell Area School District, Clare County, Chippewa Hills School District, Isabella County, Freeman Township, Garfield Township and Coldwater Township. In each one's latest recorded fiscal year, State of Michigan spent $98.8 billion (fiscal year ended September 30, 2023), Farwell Area School District spent $18.2 million (fiscal year ended June 30, 2024), Clare County spent $40.6 million (fiscal year ended September 30, 2025), Chippewa Hills School District spent $29.3 million (fiscal year ended June 30, 2024), Isabella County spent $78.8 million (fiscal year ended September 30, 2025), Freeman Township spent $601 thousand (fiscal year ended March 31, 2026), Garfield Township spent $1.1 million (fiscal year ended June 30, 2025) and Coldwater Township spent $178 thousand (fiscal year ended March 31, 2026). Each government's money is separate.

Which governments collect property tax in 48632?
Of the governments serving 48632, State of Michigan collected $2.81 billion (fiscal year ended September 30, 2023), Isabella County collected $25.4 million (fiscal year ended September 30, 2025), Chippewa Hills School District collected $11.4 million (fiscal year ended June 30, 2024), Clare County collected $11.3 million (fiscal year ended September 30, 2025), Farwell Area School District collected $7.0 million (fiscal year ended June 30, 2024), Garfield Township collected $551 thousand (fiscal year ended June 30, 2025), Freeman Township collected $406 thousand (fiscal year ended March 31, 2026) and Coldwater Township collected $72 thousand (fiscal year ended March 31, 2026) in property tax. These are each government's total collections, not a bill for 48632.

See another ZIP code

From the state down to your schools: where each one's money comes from and goes.

See the full budget for: Clare County, Isabella County, Freeman Township and Garfield Township

Why not this year? Michigan governments with newer filings show figures from the Michigan Department of Treasury (for 2025 and 2026, each government's newest year on file). Each other figure is the newest year the U.S. Census Bureau has published for that government, so the years differ and are not the current year. Most governments post their current budget on their own website.

Where property tax goes in 48632

State of Michigan$2.81 billion

3.0% of its $93.9 billion in revenue · fiscal year ended September 30, 2023

Isabella County$25.4 million

28% of its $91.7 million in revenue · fiscal year ended September 30, 2025

Chippewa Hills School District$11.4 million

31% of its $36.7 million in revenue · fiscal year ended June 30, 2024

Clare County$11.3 million

28% of its $40.8 million in revenue · fiscal year ended September 30, 2025

Farwell Area School District$7.0 million

38% of its $18.4 million in revenue · fiscal year ended June 30, 2024

Garfield Township$551 thousand

49% of its $1.1 million in revenue · fiscal year ended June 30, 2025

Freeman Township$406 thousand

57% of its $710 thousand in revenue · fiscal year ended March 31, 2026

Coldwater Township$72 thousand

38% of its $187 thousand in revenue · fiscal year ended March 31, 2026

These are each government's total property tax collections, not your bill. Your own bill is split by each government's tax rate, shown on your property tax bill.

Your counties

Clare County

$40.6 million budget in fiscal year 2025 (ended September 30, 2025), from the Michigan Department of Treasury.

About 63% of this ZIP is in Clare County.

Where the money comes from

State tax money37%County taxes29%Fees for services18%Fines and other8.9%Federal tax money5.6%Local tax money1.8%
Full Clare County breakdown

County taxes29%

Property tax
28%$11.3 million
Other taxes
1.3%$531 thousand

Fees for services18%

Fees for services
18%$7.2 million

Federal tax money5.6%

Grants from Washington, paid for by the federal taxes residents also pay.

From the federal government
5.6%$2.3 million

State tax money37%

Money the state passes on, paid for by the state taxes residents also pay.

From the state
37%$15.2 million

Local tax money1.8%

Money passed on by the county or other local governments.

From other local governments
1.8%$725 thousand

Fines and other8.9%

Interest, rents and other
8.7%$3.6 million
Fines
0.2%$63 thousand
Clare County page →

Where the money goes

Roads, transit and parking42%Police, fire, courts and jails30%Running the government and other costs16%Social services5.9%Debt payments (principal and interest)2.8%All other spending2.9%
Full Clare County breakdown

Spending by category100%

Roads, transit and parking
42%$17.0 million
Police, fire, courts and jails
30%$12.2 million
Running the government and other costs
16%$6.7 million
Social services
5.9%$2.4 million
Debt payments (principal and interest)
2.8%$1.2 million
Health and hospitals
1.2%$505 thousand
Water, sewer, trash and utilities
0.9%$346 thousand
Housing and community development
0.8%$308 thousand
Clare County page →

Isabella County

$78.8 million budget in fiscal year 2025 (ended September 30, 2025), from the Michigan Department of Treasury.

About 32% of this ZIP is in Isabella County.

Where the money comes from

Fees for services30%State tax money29%County taxes29%Fines and other5.5%Federal tax money4.5%Local tax money2.7%
Full Isabella County breakdown

County taxes29%

Property tax
28%$25.4 million
Other taxes
0.9%$785 thousand

Fees for services30%

Fees for services
30%$27.1 million

Federal tax money4.5%

Grants from Washington, paid for by the federal taxes residents also pay.

From the federal government
4.5%$4.1 million

State tax money29%

Money the state passes on, paid for by the state taxes residents also pay.

From the state
29%$26.7 million

Local tax money2.7%

Money passed on by the county or other local governments.

From other local governments
2.7%$2.5 million

Fines and other5.5%

Interest, rents and other
5.4%$4.9 million
Fines
0.1%$104 thousand
Isabella County page →

Where the money goes

Social services30%Police, fire, courts and jails25%Roads, transit and parking21%Running the government and other costs16%Water, sewer, trash and utilities2.3%All other spending5.3%
Full Isabella County breakdown

Spending by category100%

Social services
30%$23.9 million
Police, fire, courts and jails
25%$20.0 million
Roads, transit and parking
21%$16.3 million
Running the government and other costs
16%$12.6 million
Water, sewer, trash and utilities
2.3%$1.8 million
Debt payments (principal and interest)
2.0%$1.6 million
Parks, recreation and libraries
1.7%$1.3 million
Health and hospitals
1.3%$1.0 million
Housing and community development
0.3%$230 thousand
Isabella County page →

Your towns

Freeman Township

$601 thousand budget in fiscal year 2026 (ended March 31, 2026), from the Michigan Department of Treasury.

About 27% of this ZIP is in Freeman Township.

Where the money comes from

Township taxes58%Fines and other24%State tax money18%
Full Freeman Township breakdown

Township taxes58%

Property tax
57%$406 thousand
Other taxes
0.4%$3 thousand

State tax money18%

Money the state passes on, paid for by the state taxes residents also pay.

From the state
18%$128 thousand

Fines and other24%

Interest, rents and other
24%$173 thousand
Freeman Township page →

Where the money goes

Running the government and other costs29%Water, sewer, trash and utilities27%Roads, transit and parking27%Police, fire, courts and jails16%Housing and community development0.8%Parks, recreation and libraries0.2%
Full Freeman Township breakdown

Spending by category100%

Running the government and other costs
29%$172 thousand
Water, sewer, trash and utilities
27%$165 thousand
Roads, transit and parking
27%$163 thousand
Police, fire, courts and jails
16%$95 thousand
Housing and community development
0.8%$5 thousand
Parks, recreation and libraries
0.2%$1 thousand
Freeman Township page →

Garfield Township

$1.1 million budget in fiscal year 2025 (ended June 30, 2025), from the Michigan Department of Treasury.

About 26% of this ZIP is in Garfield Township.

Where the money comes from

Township taxes49%Fines and other31%State tax money19%Fees for services1.6%
Full Garfield Township breakdown

Township taxes49%

Property tax
49%$551 thousand
Other taxes
<0.1%$225

Fees for services1.6%

Fees for services
1.6%$18 thousand

State tax money19%

Money the state passes on, paid for by the state taxes residents also pay.

From the state
19%$211 thousand

Fines and other31%

Interest, rents and other
31%$346 thousand
Garfield Township page →

Where the money goes

Running the government and other costs25%Police, fire, courts and jails21%Parks, recreation and libraries17%Roads, transit and parking16%Water, sewer, trash and utilities15%All other spending6.0%
Full Garfield Township breakdown

Spending by category100%

Running the government and other costs
25%$278 thousand
Police, fire, courts and jails
21%$242 thousand
Parks, recreation and libraries
17%$194 thousand
Roads, transit and parking
16%$179 thousand
Water, sewer, trash and utilities
15%$167 thousand
Housing and community development
3.1%$35 thousand
Debt payments (principal and interest)
2.9%$33 thousand
Garfield Township page →

Coldwater Township

$178 thousand budget in fiscal year 2026 (ended March 31, 2026), from the Michigan Department of Treasury.

About 21% of this ZIP is in Coldwater Township.

Where the money comes from

State tax money50%Township taxes38%Fees for services6.0%Fines and other5.0%
Full Coldwater Township breakdown

Township taxes38%

Property tax
38%$72 thousand

Fees for services6.0%

Fees for services
6.0%$11 thousand

State tax money50%

Money the state passes on, paid for by the state taxes residents also pay.

From the state
50%$94 thousand

Fines and other5.0%

Interest, rents and other
5.0%$9 thousand
Coldwater Township page →

Where the money goes

Running the government and other costs58%Roads, transit and parking21%Police, fire, courts and jails21%
Full Coldwater Township breakdown

Spending by category100%

Running the government and other costs
58%$103 thousand
Roads, transit and parking
21%$38 thousand
Police, fire, courts and jails
21%$37 thousand
Coldwater Township page →

Your schools

Farwell Area School District

$18.2 million budget in the latest fiscal year on record, which ended June 30, 2024.

About 66% of this ZIP is in Farwell Area School District.

Where the money comes from

State tax money56%School district taxes38%County and local tax money2.7%Fees for services (school tuition and transportation, school lunches)2.5%Fines and other1.0%
Full Farwell Area School District breakdown

What stands out

38%

of Farwell Area School District's money comes from property tax.A typical school district with fewer than 5,000 students gets 28%.

School district taxes38%

Property tax
38%$7.0 million

Fees for services2.5%

Fees for services
2.5%$451 thousand
What's in fees for servicesOther school charges; school tuition and transportation and 1 more
  • Other school charges$294 thousand
  • School tuition and transportation$139 thousand
  • School lunches$18 thousand

Amounts are by Census type of charge.

State tax money56%

Money the state passes on, paid for by the state taxes residents also pay.

From the state
56%$10.2 million

County and local tax money2.7%

Money passed on by the county or other local governments.

From the county and other local governments
2.7%$497 thousand

Fines and other1.0%

Interest, rents and other
1.0%$178 thousand
Farwell Area School District page →

Where the money goes

Schools and colleges89%Sent to other local governments8.4%Interest on debt2.7%

What stands out

8.4%

of Farwell Area School District's spending goes to local governments.A typical school district with fewer than 5,000 students spends 1.3%.

Full Farwell Area School District breakdown

Spending by category100%

Schools and colleges
89%$16.2 million
What's in schools and collegesElementary and secondary schools
  • Elementary and secondary schools$16.2 million
Sent to other local governments
8.4%$1.5 million
What's in sent to other local governmentsSent to school districts
  • Sent to school districts$1.5 million
Interest on debt
2.7%$492 thousand
Farwell Area School District page →

Chippewa Hills School District

$29.3 million budget in the latest fiscal year on record, which ended June 30, 2024.

About 33% of this ZIP is in Chippewa Hills School District.

Where the money comes from

State tax money62%School district taxes31%Fees for services (school lunches, school tuition and transportation)2.6%County and local tax money2.0%Fines and other1.8%Federal tax money0.2%
Full Chippewa Hills School District breakdown

What stands out

31%

of Chippewa Hills School District's money comes from property tax.A typical school district with fewer than 5,000 students gets 28%.

School district taxes31%

Property tax
31%$11.4 million

Fees for services2.6%

Fees for services
2.6%$953 thousand
What's in fees for servicesOther school charges; school lunches and 1 more
  • Other school charges$902 thousand
  • School lunches$41 thousand
  • School tuition and transportation$10 thousand

Amounts are by Census type of charge.

Federal tax money0.2%

Grants from Washington, paid for by the federal taxes residents also pay.

From the federal government
0.2%$59 thousand

State tax money62%

Money the state passes on, paid for by the state taxes residents also pay.

From the state
62%$22.9 million

County and local tax money2.0%

Money passed on by the county or other local governments.

From the county and other local governments
2.0%$723 thousand

Fines and other1.8%

Interest, rents and other
1.8%$654 thousand
Chippewa Hills School District page →

Where the money goes

Schools and colleges98%Interest on debt1.9%Sent to other local governments0.1%
Full Chippewa Hills School District breakdown

Spending by category100%

Schools and colleges
98%$28.7 million
What's in schools and collegesElementary and secondary schools
  • Elementary and secondary schools$28.7 million
Interest on debt
1.9%$556 thousand
Sent to other local governments
0.1%$43 thousand
What's in sent to other local governmentsSent to school districts
  • Sent to school districts$43 thousand
Chippewa Hills School District page →

Your state

State of Michigan

$98.8 billion budget in the latest fiscal year on record, which ended September 30, 2023.

Where the money comes from

State taxes41%Federal tax money36%Fees for services (hospital bills, college tuition)17%Fines and other6.2%Local tax money0.3%

What stands out

17%

of Michigan's money comes from fees for services such as water, sewer and parking.A typical state government gets 10%.

Full Michigan breakdown

State taxes41%

Sales tax
14%$12.7 billion
Local income tax
12%$11.6 billion
Other taxes
8.9%$8.34 billion
What's in other taxesOther selective sales taxes; motor fuel taxes and 17 more
  • Other selective sales taxes$2.33 billion
  • Motor fuel taxes$1.55 billion
  • Motor vehicle licenses$1.53 billion
  • Tobacco taxes$675 million
  • Insurance premium taxes$529 million
  • Real estate and stock transfer taxes$399 million
  • Amusement taxes$311 million
  • Occupation and business licenses$281 million
  • Other licenses$238 million
  • Alcoholic beverage taxes$205 million
  • Driver's licenses$65.4 million
  • Hunting and fishing licenses$64.4 million
  • Public utility taxes$42.7 million
  • Public utility licenses$37.9 million
  • Severance taxes$27.6 million
  • Corporation licenses$24.3 million
  • Alcoholic beverage licenses$22.5 million
  • Other taxes not classified elsewhere$40 thousand
  • Estate and gift taxes$6 thousand

Amounts are by Census tax category.

Business income tax
3.4%$3.18 billion
Property tax
3.0%$2.81 billion

Fees for services17%

Fees for services
17%$15.6 billion
What's in fees for servicesHospital bills; college tuition and 12 more
  • Hospital bills$8.03 billion
  • College tuition$4.34 billion
  • Liquor stores$1.56 billion
  • University housing and dining$1.36 billion
  • Other service charges$164 million
  • Parks, land and natural resources$58.2 million
  • Housing$43.7 million
  • Tolls on roads and bridges$32.1 million
  • Parks and recreation$8.7 million
  • Other education charges$6.7 million
  • Airport$529 thousand
  • Other government-run businesses$443 thousand
  • Road charges$159 thousand
  • Transit fares$10 thousand

Amounts are by Census type of charge.

Federal tax money36%

Grants from Washington, paid for by the federal taxes residents also pay.

From the federal government
36%$33.6 billion

Local tax money0.3%

Money passed on by the county or other local governments.

From local governments
0.3%$279 million

Fines and other6.2%

Interest, rents and other
6.1%$5.73 billion
Fines
0.1%$119 million
Michigan page →

Where the money goes

Sent to local governments34%Social services25%Schools and colleges16%Health and hospitals10%Running the government and other costs3.6%All other spending11%

What stands out

34%

of Michigan's spending goes to local governments.A typical state government spends 24%.

Full Michigan breakdown

Spending by category100%

Sent to local governments
34%$34.0 billion
What's in sent to local governmentsSent to school districts; sent to local governments: other public welfare and 20 more
  • Sent to school districts$20.3 billion
  • Sent to local governments: other public welfare$5.13 billion
  • Sent to local governments: roads and highways$2.45 billion
  • Sent to local governments: general support$1.68 billion
  • Sent to local governments: public health$1.02 billion
  • Sent to local governments: other and not broken out$856 million
  • Sent to school districts (colleges)$568 million
  • Sent to local governments: other government administration$556 million
  • Sent to local governments: courts and legal services$487 million
  • Sent to local governments: finance, tax collection and budgeting$437 million
  • Sent to local governments: airports$221 million
  • Sent to local governments: police$80.9 million
  • Sent to local governments: natural resources, farming and conservation$40.2 million
  • Sent to local governments: housing and community development$35.2 million
  • Sent to local governments: inspections and regulation$31.1 million
  • Sent to local governments: parks and recreation$29.0 million
  • Sent to local governments: probation, parole and other corrections$25.4 million
  • Sent to local governments: libraries$17.1 million
  • Sent to local governments: colleges and universities$13.5 million
  • Sent to local governments: other education$12.8 million
  • Sent to local governments: hospitals$7.0 million
  • Sent to the federal government$2.2 million
Social services
25%$24.7 billion
What's in social servicesOther public welfare; unemployment and social insurance offices and 1 more
  • Other public welfare$24.4 billion
  • Unemployment and social insurance offices$304 million
  • Welfare institutions$31.7 million
Schools and colleges
16%$15.6 billion
What's in schools and collegesColleges and universities; scholarships and other education subsidies and 2 more
  • Colleges and universities$10.9 billion
  • Scholarships and other education subsidies$1.95 billion
  • College housing, dining and bookstores$1.93 billion
  • Other education$812 million
Health and hospitals
10%$10.3 billion
What's in health and hospitalsHospitals and public health
  • Hospitals$8.10 billion
  • Public health$2.22 billion
Running the government and other costs
3.6%$3.56 billion
What's in running the government and other costsOther and not broken out; finance, tax collection and budgeting and 3 more
  • Other and not broken out$1.63 billion
  • Finance, tax collection and budgeting$1.33 billion
  • Other government administration$346 million
  • Central staff services (personnel, purchasing, technology)$250 million
  • Other government-run businesses$514 thousand
Police, fire, courts and jails
3.5%$3.45 billion
What's in police, fire, courts and jailsPrisons and jails; police and 3 more
  • Prisons and jails$1.68 billion
  • Police$733 million
  • Probation, parole and other corrections$361 million
  • Inspections and regulation$359 million
  • Courts and legal services$316 million
Roads, transit and parking
3.2%$3.14 billion
What's in roads, transit and parkingRoads and highways; toll roads and bridges and 2 more
  • Roads and highways$2.98 billion
  • Toll roads and bridges$92.2 million
  • Airports$63.4 million
  • Public transit$114 thousand
Water, sewer, trash and utilities
1.3%$1.27 billion
What's in water, sewer, trash and utilitiesLiquor stores and garbage and solid waste
  • Liquor stores$1.26 billion
  • Garbage and solid waste$5.3 million
Interest on debt
1.0%$984 million
Housing and community development
0.9%$928 million
Environment and natural resources
0.6%$548 million
What's in environment and natural resourcesNatural resources, farming and conservation
  • Natural resources, farming and conservation$548 million
Parks, recreation and libraries
0.3%$284 million
What's in parks, recreation and librariesParks and recreation and libraries
  • Parks and recreation$273 million
  • Libraries$11.1 million
Michigan page →
Sources and moreEach government's source, fiscal year and how a ZIP is matched

State of Michigan. U.S. Census Bureau, 2024 Annual Survey of State and Local Government Finances, individual unit file, fiscal year ended September 30, 2023.

Farwell Area School District. U.S. Census Bureau, 2024 Annual Survey of State and Local Government Finances, individual unit file, fiscal year ended June 30, 2024.

Clare County. Michigan Department of Treasury, MI Community Financial Dashboard (annual F-65 filings), fiscal year 2025, fiscal year ended September 30, 2025. The earlier Census figures are from U.S. Census Bureau, 2024 Annual Survey of State and Local Government Finances, individual unit file, fiscal year ended September 30, 2023.

Chippewa Hills School District. U.S. Census Bureau, 2024 Annual Survey of State and Local Government Finances, individual unit file, fiscal year ended June 30, 2024.

Isabella County. Michigan Department of Treasury, MI Community Financial Dashboard (annual F-65 filings), fiscal year 2025, fiscal year ended September 30, 2025. The earlier Census figures are from U.S. Census Bureau, 2024 Annual Survey of State and Local Government Finances, individual unit file, fiscal year ended September 30, 2023.

Freeman Township. Michigan Department of Treasury, MI Community Financial Dashboard (annual F-65 filings), fiscal year 2026, fiscal year ended March 31, 2026. The earlier Census figures are from U.S. Census Bureau, 2022 Census of Governments, Finance, individual unit file, fiscal year ended March 31, 2022.

Garfield Township. Michigan Department of Treasury, MI Community Financial Dashboard (annual F-65 filings), fiscal year 2025, fiscal year ended June 30, 2025. The earlier Census figures are from U.S. Census Bureau, 2022 Census of Governments, Finance, individual unit file, fiscal year ended June 30, 2022.

Coldwater Township. Michigan Department of Treasury, MI Community Financial Dashboard (annual F-65 filings), fiscal year 2026, fiscal year ended March 31, 2026. The earlier Census figures are from U.S. Census Bureau, 2022 Census of Governments, Finance, individual unit file, fiscal year ended March 31, 2022.

How these figures are counted. Revenue and spending are the annual financial reports (Form F-65) that a Michigan government filed with the Michigan Department of Treasury, grouped into the same categories as the Census figures. Counties, cities, villages and townships are included together with their component units, such as road commissions, downtown development authorities and county health departments. Internal service funds, transfers, borrowing proceeds and depreciation are not counted.

Debt payments. The report lists principal and interest on debt, so the "Debt payments" line includes principal as well as interest. The Census figures leave principal out.

Capital purchases. Michigan filings do not break out enterprise capital purchases, so total spending can read lower than the Census figure for governments with large water or sewer projects.

How a ZIP is matched. A ZIP code is not a government boundary, so we match it to the cities, counties and school districts that overlap it, using Census Bureau geography. Where a ZIP crosses several, each one is shown with its share of the ZIP. Each government's money covers its own operations only; the others listed here are separate.

Latest recorded year. The year differs by government: each block shows the newest fiscal year on file. A Census survey year covers fiscal years ending July 1 of the year before through June 30 of that year.