The rate in context
On a $400,000 home, 0.66% means roughly $2,640 per year in property tax, escrowed monthly, so it lands directly in your payment and your debt-to-income ratio.
Exemptions and notes
Counties must revalue at least every eight years; there is no statewide cap on assessment growth.
Sources: Tax Foundation 2026 (2024 ACS); NAR/NCSL transfer tax table. County-level rates vary; your county page has local detail.
Counties in North Carolina
FAQ
What is the average property tax rate in North Carolina?
The average effective property tax rate in North Carolina is about 0.66%, per Tax Foundation 2026 (2024 ACS); NAR/NCSL transfer tax table. Individual counties vary above and below that average.
How do North Carolina property taxes affect my mortgage?
Taxes are escrowed into your monthly payment, so a higher rate directly reduces how much house you qualify for. Counties must revalue at least every eight years; there is no statewide cap on assessment growth.