North Carolina Property Tax
North Carolina Property Tax Calculator (2026)
Estimate North Carolina property taxes, review the statewide effective rate, browse county pages, and connect tax costs to mortgage payment planning.
Estimated Effective State Rate
0.66%
Sample Annual Tax on $425,000 Home
$2,805
FHA State Tier
Standard FHA Tier
Counties Covered
100
FHA Limit Tier Context in North Carolina
State Tier Signal
Most counties in this state follow the standard FHA floor framework.
FHA 1-Unit Floor
$541,287
FHA 1-Unit Ceiling
$1,249,125
What Homebuyers in North Carolina Should Know
- Lower effective property taxes can support payment flexibility in some scenarios.
In the current NMC dataset, North Carolina has an estimated effective property-tax rate of 0.66%, resulting in approximately $2,640 in annual property taxes on a $400,000 home.
North Carolina County and Locality Pages
Highest property tax rates in North Carolina
Among counties currently in the NMC dataset for this state.
- 1. Halifax County1.15%
- 2. Northampton County1.08%
- 3. Martin County1.06%
- 4. Edgecombe County1.04%
- 5. Washington County0.99%
Lowest property tax rates in North Carolina
Among counties currently in the NMC dataset for this state.
- 1. Jackson County0.34%
- 2. Avery County0.38%
- 3. Watauga County0.39%
- 4. Swain County0.41%
- 5. Carteret County0.43%
Alamance County
Estimated effective rate: 0.62%
Alexander County
Estimated effective rate: 0.60%
Alleghany County
Estimated effective rate: 0.57%
Anson County
Estimated effective rate: 0.77%
Ashe County
Estimated effective rate: 0.49%
Avery County
Estimated effective rate: 0.38%
Beaufort County
Estimated effective rate: 0.67%
Bertie County
Estimated effective rate: 0.79%
Bladen County
Estimated effective rate: 0.91%
Brunswick County
Estimated effective rate: 0.54%
Buncombe County
Estimated effective rate: 0.57%
Burke County
Estimated effective rate: 0.68%
Cabarrus County
Estimated effective rate: 0.73%
Caldwell County
Estimated effective rate: 0.60%
Camden County
Estimated effective rate: 0.58%
Carteret County
Estimated effective rate: 0.43%
Caswell County
Estimated effective rate: 0.69%
Catawba County
Estimated effective rate: 0.58%
Chatham County
Estimated effective rate: 0.64%
Cherokee County
Estimated effective rate: 0.46%
Chowan County
Estimated effective rate: 0.71%
Clay County
Estimated effective rate: 0.43%
Cleveland County
Estimated effective rate: 0.64%
Columbus County
Estimated effective rate: 0.77%
Craven County
Estimated effective rate: 0.63%
Cumberland County
Estimated effective rate: 0.93%
Currituck County
Estimated effective rate: 0.46%
Dare County
Estimated effective rate: 0.52%
Davidson County
Estimated effective rate: 0.60%
Davie County
Estimated effective rate: 0.63%
Duplin County
Estimated effective rate: 0.69%
Durham County
Estimated effective rate: 0.79%
Edgecombe County
Estimated effective rate: 1.04%
Forsyth County
Estimated effective rate: 0.79%
Franklin County
Estimated effective rate: 0.65%
Gaston County
Estimated effective rate: 0.75%
Gates County
Estimated effective rate: 0.76%
Graham County
Estimated effective rate: 0.57%
Granville County
Estimated effective rate: 0.67%
Greene County
Estimated effective rate: 0.89%
Guilford County
Estimated effective rate: 0.84%
Halifax County
Estimated effective rate: 1.15%
Harnett County
Estimated effective rate: 0.69%
Haywood County
Estimated effective rate: 0.57%
Henderson County
Estimated effective rate: 0.52%
Hertford County
Estimated effective rate: 0.98%
Hoke County
Estimated effective rate: 0.67%
Hyde County
Estimated effective rate: 0.79%
Iredell County
Estimated effective rate: 0.61%
Jackson County
Estimated effective rate: 0.34%
Johnston County
Estimated effective rate: 0.62%
Jones County
Estimated effective rate: 0.74%
Lee County
Estimated effective rate: 0.74%
Lenoir County
Estimated effective rate: 0.84%
Lincoln County
Estimated effective rate: 0.58%
Macon County
Estimated effective rate: 0.43%
Madison County
Estimated effective rate: 0.48%
Martin County
Estimated effective rate: 1.06%
McDowell County
Estimated effective rate: 0.53%
Mecklenburg County
Estimated effective rate: 0.71%
Mitchell County
Estimated effective rate: 0.52%
Montgomery County
Estimated effective rate: 0.64%
Moore County
Estimated effective rate: 0.53%
Nash County
Estimated effective rate: 0.71%
New Hanover County
Estimated effective rate: 0.54%
Northampton County
Estimated effective rate: 1.08%
Onslow County
Estimated effective rate: 0.64%
Orange County
Estimated effective rate: 0.91%
Pamlico County
Estimated effective rate: 0.56%
Pasquotank County
Estimated effective rate: 0.67%
Pender County
Estimated effective rate: 0.63%
Perquimans County
Estimated effective rate: 0.59%
Person County
Estimated effective rate: 0.62%
Pitt County
Estimated effective rate: 0.83%
Polk County
Estimated effective rate: 0.54%
Randolph County
Estimated effective rate: 0.67%
Richmond County
Estimated effective rate: 0.89%
Robeson County
Estimated effective rate: 0.87%
Rockingham County
Estimated effective rate: 0.75%
Rowan County
Estimated effective rate: 0.65%
Rutherford County
Estimated effective rate: 0.58%
Sampson County
Estimated effective rate: 0.75%
Scotland County
Estimated effective rate: 0.93%
Stanly County
Estimated effective rate: 0.57%
Stokes County
Estimated effective rate: 0.60%
Surry County
Estimated effective rate: 0.60%
Swain County
Estimated effective rate: 0.41%
Transylvania County
Estimated effective rate: 0.45%
Tyrrell County
Estimated effective rate: 0.81%
Union County
Estimated effective rate: 0.57%
Vance County
Estimated effective rate: 0.78%
Wake County
Estimated effective rate: 0.71%
Warren County
Estimated effective rate: 0.71%
Washington County
Estimated effective rate: 0.99%
Watauga County
Estimated effective rate: 0.39%
Wayne County
Estimated effective rate: 0.70%
Wilkes County
Estimated effective rate: 0.59%
Wilson County
Estimated effective rate: 0.79%
Yadkin County
Estimated effective rate: 0.67%
Yancey County
Estimated effective rate: 0.48%
Related Planning Resources for North Carolina
Need the National View?
Return to the national Property Tax Calculator to compare across states and scenarios.
Methodology and Data Sources
- Tax Foundation Facts & Figures: Property Tax as Percent of Home Value - State-level effective property tax rates (Updated: 2026-02-19)
- HUD/FHA Mortgagee Letter 2025-23 - 2026 FHA floor and high-cost ceiling frameworks (1-4 unit) (Updated: 2026-01-01)
Educational guidance only. Final loan terms and eligibility vary by county limits, credit, income, property profile, and lender guidelines.