2026 effective rate · 0.73% · below the US average (0.99%)
North Carolina Property Tax Calculator
Estimate annual and monthly property tax in North Carolina. The state's effective property tax rate is 0.73% (close to the national average, vs the US average of about 0.99%). On a $280,000 median-value home, that works out to about $2,050 per year or $170 per month.
North Carolina median home property tax
$2,044 per year
$170 per month at the median home value of $280,000
Effective rate 0.73% times $280,000 = $2,044
North Carolina property tax at common home values
| Home value | Annual property tax | Monthly | % of value |
|---|---|---|---|
| $150,000 | $1,095 | $91 | 0.73% |
| $250,000 | $1,825 | $152 | 0.73% |
| $280,000 (median) | $2,044 | $170 | 0.73% |
| $350,000 | $2,555 | $213 | 0.73% |
| $500,000 | $3,650 | $304 | 0.73% |
| $750,000 | $5,475 | $456 | 0.73% |
Uses North Carolina's 2026 effective rate (0.73%). Actual taxes vary by county and exemptions. For full PITI mortgage estimate including taxes + insurance, use the North Carolina mortgage calculator.
North Carolina property tax overview
North Carolina has below-average property tax rates statewide. Homestead exclusion for 65+ or disabled provides $25,000 or 50% of value (whichever greater). Property tax is paid annually in arrears.
North Carolina's effective rate of 0.73% ranks close to the national average nationally. Median annual property tax: $2,050. Median home value: $280,000.
North Carolina vs neighboring states
FAQs about North Carolina property tax
What is the property tax rate in North Carolina?
North Carolina's effective property tax rate is 0.73% (close to the national average, vs national average of ~0.99%). On a $280,000 median-value home, that's about $2,050 per year, or roughly $170 per month added to your housing cost.
How is property tax calculated in North Carolina?
Property tax = assessed value times the local mill rate (millage). The effective rate (0.73%) is what you actually pay as a percentage of market value, accounting for assessment ratios, exemptions, and millage. For a home valued at X, multiply X by 0.73% for an annual estimate.
When are property taxes due in North Carolina?
Property tax due dates vary by county within North Carolina. Most counties bill annually with either a single payment or two installments. Common payment deadlines fall in late summer (1st half) and late winter (2nd half). Check with your county tax assessor for exact dates and any escrow arrangements through your mortgage lender.
Does North Carolina have a homestead exemption?
North Carolina has below-average property tax rates statewide. Homestead exclusion for 65+ or disabled provides $25,000 or 50% of value (whichever greater). Property tax is paid annually in arrears.
How does North Carolina property tax compare to neighboring states?
North Carolina's 0.73% rate compares to: Virginia (0.80%), Tennessee (0.56%), Georgia (0.83%). Property tax burden can vary significantly between neighboring states — moving 30 miles across a state line can change your annual tax bill by thousands.
Can I appeal my property tax assessment in North Carolina?
Yes. Every US state including North Carolina provides a formal property tax appeal process. Steps: (1) request your property's assessment record from the county assessor, (2) gather comparable sales from your neighborhood, (3) file a formal appeal within the deadline (usually 30-60 days after assessment notice). Successful appeals typically save 5-15% on annual tax bills.
How can I lower my North Carolina property taxes?
Common strategies: apply for homestead exemption (primary residence), senior or disabled exemptions if eligible, veteran's exemptions, and appeal over-assessment. Track your county's assessment notices carefully and verify the appraisal matches recent comparable home sales. Avoid major visible upgrades right before reassessment dates.