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Payment Plans
The Stipulated Payment Agreement (REGSPA) and the Pay As You Stay Payment Agreement (PAYSPA) are available online for eligible taxpayers.
Click here to see if you are eligible and to apply
IRSPA Payment plan agreements will have to be made through the mail or email until further notice.
To receive a payment agreement, send a request by mail or email (wctopaymentplans@waynecounty.com) with your name, email address, phone number, and the property address and parcel number that you are concerned about.
Payment plan agreement requests can also be mailed to:
Wayne County Treasurer's Office
400 Monroe Street
5th Floor
Detroit, MI 48226
Interest Reduction Stipulated Payment Agreement (IRSPA)
The IRSPA plan is designed for owner-occupied properties (the deed is in your name and it is your principal residence). If you are struggling to pay years of delinquent property taxes, you may qualify to be enrolled in the Interest Reduction Stipulated Payment Agreement (IRSPA). This payment plan reduces the interest rate from 18% to 6% for eligible taxpayers. To sign up, you must own and live in your home, and have a Principal Residence Exemption (PRE) that proves permanent residency. Under IRSPA, all delinquencies can be bundled into one payment plan.
(IRSPA's are available throughout the year.)
Stipulated Payment Agreement (REGSPA)
The REGSPA plan is available to everybody, and is designed for non-owner occupied properties. The REGSPA plan allows a taxpayer to pay taxes pursuant to a payment schedule. The plan will avoid foreclosure provided that payments are submitted per the agreed upon schedule. To be effective the plan must be signed by both the taxpayer and the Treasurer's Office. The REGSPA payment plan is available online for the taxpayers who are eligible for this type of plan. Please click on the link below and enter your parcel ID or property address to verify your eligibility for the REGSPA. Eligible Taxpayers will see the REGSPA button on the screen.
Click Here to Enroll Download REGSPA agreement
Pay As You Stay (PAYS) may reduce the amount of delinquent taxes owed for lower income homeowners who qualify for their cities, township's, or village's Poverty Tax Exemption (PTE).
The following Wayne County communities are participating in PAYS:Dearborn, Dearborn Heights, Detroit, Ecorse, Grosse Pointe City, Grosse Pointe Farms, Hamtramck, Highland Park, Plymouth City, Redford Twp., Rockwood, Romulus, Sumpter Twp., Taylor, Trenton, Van Buren Twp., and Westland.
The following Wayne County communities chose to opt-out of PAYS:
Allen Park, Belleville, Brownstown Twp., Canton Twp., Flat Rock, Garden City, Gibraltar, Grosse Ile Twp., Grosse Pointe Park, Grosse Pointe Woods, Harper Woods, Huron Twp., Inkster, Lincoln Park, Livonia, Melvindale, Northville City, Northville Twp., Plymouth Twp., River Rouge, Riverview, Southgate, Wayne, Woodhaven, Wyandotte, and the Village of Grosse Pointe Shores.
If you are interested in applying for PAYS, and live in a participating community, contact your local municipality to apply for a PTE.
Because of the recent state of emergency, the Treasurer's Office has modified the timetable for the PAYS Program enrollment as outlined below.
- Starting in mid-April 2020, the WCTO will begin sending letters to eligible homeowners with approved PTEs who have delinquent property taxes. They will be encouraged to enroll into a PAYS Payment Agreement (PAYSPA) or to pay the single Lump Sum payment through our website.* The website will direct them on how to:
- pay the Reduced Amount Due in a single Lump Sum payment (includes a 10% discount), or
- enter into and sign a PAYSPA, agreeing to make monthly payments over a 3 year period (or less in some cases).
- PTE applicants who were not approved by their local municipality may be eligible for an Interest Reduction Stipulated Payment Agreement (IRSPA) or a Distressed Owner Occupant Extension (DOOE) payment plan with the WCTO.
For Help with the PTE application:
- Contact UCHC (313-963-3310) or Wayne Metro (313-388-9799), or
- Call United Way at 211 or text HELP to 85274.
Eligible taxpayers who received a letter from the Wayne County Treasurer's Office can enroll online by clicking on the link below and entering their parcel ID or property address.
Click Here to Enroll Taxpayer Guide to PAYS
ATTENTION VETERANS
As a Veteran you will be allowed to enter into a Payment Plan without a down payment prior to March 15th of each year as long as you are able to provide one of following documents:
- Honorable Discharge Certification papers
- DD-214 Form referencing an Honorable Discharge
For further information please contact our office.
Veterans Resource Guide
First Responders
Wayne County property owners who are employed as police officers, firefighters, EMS and health care workers will be allowed to enter into payment plans with no down payment required. Identification and verification of employment will be required.
Download Flyers
Please click on the links below to download our program flyers.
Payment PlansTaxpayer Assistance Programs
