Housing

in committee · Michigan · House Aug 11, 2026

HB 6229: Civil procedure: bankruptcy; bankruptcy exemptions; modify. Amends sec. 5451 of 1961 PA 236 (MCL 600.5451).

Michigan House Bill 6229 significantly increases the amount of personal property that individuals can protect from creditors when filing for bankruptcy under state law. The bill raises exemption limits for key assets, including increasing the homestead exemption to $125,000 (or $200,000 for those over age 65 or disabled), raising the motor vehicle exemption to $15,000, and expanding protections for household goods, tools of trade, and retirement accounts. It also introduces a new mechanism where the state treasurer adjusts these dollar amounts every three years based on changes in the Consumer Price Index and the Home Price Index to account for inflation. These changes apply to bankruptcy cases filed after the bill's effective date, allowing debtors to retain more of their essential assets during the legal process.

Topics ✓ HousingSupports HousingIncreases homestead exemption limits to $125k/$200k, strengthening property rights and protecting homeowners from losing their primary residence in bankruptcy.85% confidence

Sub-Topics Property Taxes

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in committee · Michigan · Senate Aug 26, 2026

SB 1138: Civil procedure: bankruptcy; bankruptcy exemptions; modify. Amends sec. 5451 of 1961 PA 236 (MCL 600.5451).

Michigan Senate Bill 1138 significantly increases the dollar limits for property that debtors can protect from creditors during federal bankruptcy proceedings. The bill raises specific exemption caps, such as increasing the homestead exemption to $125,000 for most individuals and $200,000 for those who are disabled or over age 65, while also boosting limits for household goods, motor vehicles, and business tools. Additionally, it expands protections for retirement accounts by clarifying that IRAs and qualified pension plans are generally exempt, with specific exclusions for recent contributions or amounts subject to court orders for child support and divorce. The legislation establishes a mechanism for the state treasurer to adjust these dollar amounts every three years based on consumer price and home value indices to keep pace with inflation.

Topics ✓ HousingSupports HousingBill increases homestead exemption limits to $125k-$200k, directly protecting property rights and preventing forced sale of homes during bankruptcy.85% confidence

Sub-Topics Property Taxes

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in committee · Michigan · Senate Aug 26, 2026

SB 1137: Civil procedure: execution; procedures for collection of judgments; revise. Amends & adds (See bill).

Michigan Senate Bill 1137 comprehensively revises state civil procedure laws to expand protections for individuals with consumer debts by increasing the value of property exempt from seizure, such as raising the homestead exemption to $125,000 and the household goods exemption to $5,000. The bill establishes a new cap on wage garnishment, limiting creditors to seizing only 15% of an individual's weekly earnings or the amount exceeding 35 times the minimum wage, whichever is less. It also introduces specific procedural safeguards, including requirements for financial institutions to identify and protect exempt funds in deposit accounts and mandates that courts provide debtors with clear notices about their rights before property can be seized. Additionally, the legislation creates a mechanism for periodic inflation adjustments to these exemption amounts and restricts the state from intercepting tax refunds to satisfy consumer debts when the refund includes specific earned income tax credits.

Topics ✓ HousingSupports HousingRaises homestead exemption to $125k and caps wage garnishment, strengthening protections for debtors' housing assets and income.75% confidence ✓ Labor & EmploymentSupports Labor & EmploymentBill caps wage garnishment at 15% of earnings and increases property exemptions, directly protecting workers' income from excessive creditor seizure.95% confidence

Sub-Topics Property Taxes Minimum Wage

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in committee · Michigan · Senate Jul 29, 2026

SB 1127: Housing: housing development authority; first-time home buyers fund; create. Amends 1966 PA 346 (MCL 125.1401 - 125.1499c) by adding sec. 49w. TIE BAR WITH: SB 1125'26, SB 1126'26

Michigan's SB 1127 creates the Community Housing Stability Fund within the state housing development authority, primarily funded by fines collected from business corporations and limited liability companies. The fund is dedicated to developing and coordinating resources to meet the housing needs of low-income, very low-income, and extremely low-income households. Key provisions require a biennial allocation plan that distributes money based on regional poverty levels, mandates that at least 30% of funds target extremely low-income groups including those experiencing homelessness, and requires assisted projects to set aside at least 20% of units for households earning no more than 60% of the area median income. The authority must hold public hearings before finalizing allocation plans and submit an annual report to the governor and legislature detailing expenditures and outcomes.

Topics ✓ HousingSupports HousingBill creates a fund specifically to meet housing needs of low-income households and supports first-time home buyers.95% confidence

Sub-Topics Affordable Housing Homeownership Housing Finance

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in committee · Michigan · Senate Aug 26, 2026

SB 1129: Insurance: property and casualty; premium discounts; require insurance companies to offer under certain circumstances. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding sec. 2132a.

Michigan Senate Bill 1129 requires home insurance companies to offer premium discounts or other cost reductions to policyholders who build or retrofit their properties to meet specific fortified roof standards. To qualify for these savings, a property must be inspected and certified by an evaluator from the Insurance Institute for Business and Home Safety (IBHS), and the homeowner must present this certification to their insurer. The bill applies only to insurance policies issued or renewed after December 31, 2027, and it does not prevent insurers from offering additional discounts under existing laws.

Topics ✓ HousingSupports HousingBill incentivizes home fortification through insurance discounts, reducing costs for homeowners and improving housing resilience.75% confidence

Sub-Topics Homeownership

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in committee · Michigan · House Aug 27, 2026

HB 6269: Use tax: exemptions; exemption for building materials purchased for the construction of a new single-family residence; provide for. TIE BAR WITH: HB 6270'26

Michigan House Bill 6269 amends the state's use tax act to exempt qualified building materials from taxation when purchased for the construction of new single-family residences or small multi-family homes with up to four units. This exemption applies to both home owners and developers, as well as contractors building for others, provided a valid building permit is in place at the time of purchase. The bill includes safeguards that require taxpayers to pay back any exempted taxes if the materials are not used for the intended residence, if the project is abandoned within 15 months, or if the building permit expires before a certificate of occupancy is issued. Additionally, the state Department of Treasury must submit annual reports to the legislature detailing how this tax break affects housing construction, job creation, and state revenue.

Topics ✗ Budget & TaxesOpposes Budget & TaxesThe bill creates a specific use tax exemption for building materials, which reduces state tax revenue and provides a fiscal benefit to home builders and developers.85% confidence ✓ HousingSupports HousingExempts building materials from use tax for new single-family and small multi-family homes, lowering construction costs to encourage housing development.85% confidence

Sub-Topics Revenue Sales Tax Tax Incentives Building Codes

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in committee · Michigan · House Aug 11, 2026

HB 6230: Civil procedure: execution; procedures for collection of judgments; revise. Amends secs. 4011, 4012, 4015, 4031, 4061a, 6023, 6027, 6059 & 6104 of 1961 PA 236 (MCL 600.4011 et seq.) & adds secs. 4001a, 4032, 4033, 6001a, 6023b, 6023c, 6023d, 6023e, 6023f & 6023g.

Michigan House Bill 6230 comprehensively revises the state's civil procedure laws regarding debt collection, garnishment, and property exemptions to better protect individual consumers. The bill significantly increases the dollar amounts of protected assets, such as raising the household goods exemption from $1,000 to $5,000 and the homestead exemption to $125,000, while also establishing a new earnings protection that limits wage garnishment to the lesser of 15% of weekly income or the amount exceeding 35 times the minimum wage. It introduces specific protections for financial accounts by requiring banks to identify and shield funds originating from exempt sources like public assistance or tax credits over a 90-day period, and it mandates that courts provide debtors with clear notices about their rights to claim exemptions before any property seizure occurs. Additionally, the legislation creates a mechanism for periodic inflation adjustments to these exemption limits and restricts the state treasurer from intercepting specific earned income tax credits when collecting consumer debts.

Topics ✓ HousingSupports HousingBill increases the homestead exemption to $125,000 and limits wage garnishment, directly protecting property rights and tenant financial stability.85% confidence ✓ Labor & EmploymentSupports Labor & EmploymentBill increases wage protection limits and raises asset exemptions for debtors, directly strengthening financial security and rights for workers facing garnishment.85% confidence

Sub-Topics Property Taxes Minimum Wage

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in committee · Michigan · Senate Aug 26, 2026

SB 1128: Insurance: property and casualty; grants for certain properties to resist loss due to common weather-related perils; provide for. Amends 1956 PA 218 (MCL 500.100 - 500.8302) by adding ch. 29A.

Michigan Senate Bill 1128 establishes the "Strengthen MI Homes" program to provide grants for retrofitting owner-occupied, single-family homes to meet fortified roof standards that resist weather-related perils such as tornadoes and hail. To qualify, homeowners must have a homestead exemption, obtain an evaluation from a certified inspector, and hire a licensed contractor who meets specific insurance and training requirements. The bill creates the Strengthen MI Home Fund within the Department of Treasury to finance these grants and administrative costs, though the program only operates if the legislature appropriates sufficient funding. Grant payments are released directly to contractors only after a final inspection confirms the home meets the required safety standards, and participants must maintain active property insurance to receive benefits.

Topics ✓ HousingSupports HousingBill funds grants to retrofit homes for weather resistance, protecting property value and safety for owner-occupied single-family residences.75% confidence

Sub-Topics Homeownership Property Taxes

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in committee · Michigan · House Aug 27, 2026

HB 6271: Individual income tax: credit; credit for permits associated with building a new single-family residential unit; provide for.

Michigan House Bill 6271 creates a new individual income tax credit for taxpayers who pay local building permit fees to construct a new single-family home. Starting with the 2027 tax year, eligible individuals can claim a credit equal to their actual permit costs, up to a maximum of $2,500 per year. The bill requires taxpayers to provide reasonable proof of these expenses to the state department if requested. If the total credit amount is greater than the taxpayer's annual income tax liability, the excess portion must be refunded to the taxpayer rather than being lost.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill creates a new individual income tax credit to reduce tax liability for homebuilders, providing direct fiscal relief and incentivizing construction.85% confidence ✓ HousingSupports HousingBill provides a tax credit to offset building permit costs for new single-family homes, incentivizing residential construction and housing development.75% confidence

Sub-Topics Income Tax Tax Credits Affordable Housing Building Codes Property Taxes

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in committee · Michigan · Senate Jul 15, 2026

SJR N: Individual income tax: income; surcharge on certain taxpayers and distribution of revenue attributable to the surcharge; provide for. Amends sec. 7, art. IX of the state constitution.

This bill proposes a constitutional amendment to add a new income tax surcharge for high-earning individuals in Michigan starting in 2027. The surcharge applies a 5% tax on income exceeding $500,000 for single filers or $1,000,000 for joint filers, with these thresholds automatically adjusted each year based on the national inflation rate. All money collected from this surcharge must be spent exclusively on pre-kindergarten through 12th-grade education, child care, health and human services, housing, and water infrastructure. The amendment requires voter approval at a general election to take effect and directs the legislature to create the necessary laws to implement the tax.

Topics ✓ Budget & TaxesSupports Budget & TaxesBill increases revenue via a surcharge on high earners and mandates funding for education and essential services.95% confidence ✓ EducationSupports EducationBill mandates that all revenue from the new tax surcharge be spent exclusively on K-12 education, child care, and related services, directly increasing funding for schools.95% confidence ✓ HousingSupports HousingBill allocates surcharge revenue to housing and human services, potentially funding affordable housing initiatives.65% confidence

Sub-Topics Fees & Licensing Income Tax K-12 Education

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