Clay County, North Carolina Property Taxes

Name: Property Tax Bills Across Clay County, North Carolina
Creator: Ownwell
License: https://creativecommons.org/licenses/by-nc/4.0/

Median Clay County effective property tax rate: 0.46%, significantly lower than the national median of 1.02%.
Median Clay County home value: $206,600
Median annual Clay County tax bill: $929, $1,471 lower than the national median property tax bill of $2,400.

How are property taxes in Clay County calculated?

Property taxes in Clay County are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.

Understanding your county's property tax system, exemptions, and reduction opportunities can lead to significant savings. Whether you live in Hayesville or another part of Clay County, knowing local tax details benefits homeowners and investors.

Last Updated March 1, 2025

Clay County, North Carolina Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

0.46%

Estimate Property Tax Bill

$950

$882

Ownwell’s Clay County Property Tax Bill Calculator empowers homeowners, real estate investors, and potential buyers to estimate their annual property taxes in Clay County with just two data points. By entering your property's estimated assessed value, our calculator applies Clay County’s median effective tax rate to accurately estimate your property tax bill. Note that your property's assessed value — determined by your county — reflects any exemptions you may have, ensuring a more precise calculation for your property tax obligations. This insightful tool helps you understand potential tax liabilities and highlights how Ownwell can assist in reducing property taxes in Clay County. For those interested in more localized information, please scroll down to explore city-level trends!

Property Tax Rates Across Clay County, North Carolina

Local government entities set tax rates, which can vary widely within a state. Annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate. While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process. Below, you can compare Clay County's effective property tax rate to other counties in North Carolina or the U.S. median property tax rate.

Property Tax Rates Across Clay County, North Carolina

Source: Ownwell

0.46%

0.47%

Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.

Median Effective Clay County Tax Rate

0.46%

Median Effective North Carolina Tax Rate

0.82%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Clay County, North Carolina

City	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
Brasstown	0.42%	0.47%	0.47%	0.47%	0.48%
Hayesville	0.46%	0.46%	0.46%	0.47%	0.51%
Warne	0.20%	0.47%	0.47%	0.47%	0.47%
Franklin	N/A	N/A	N/A	N/A	N/A

Source: Ownwell

Property Tax Assessment Values Across Clay County, North Carolina

When examining property taxes in Clay County, understanding the distinction between "market value" and "assessed value" is crucial. The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Clay County Appraisal District estimates the market value for tax purposes. The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill. Assessment notices: In Clay County, assessment notices are sent in the spring each year. They’ll typically reach your mailbox by the middle of April. Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Clay County. For example, the median tax bill in Clay County is $935, with tax bills ranging significantly across the county. Hayesville has the highest median home price at $211,500.

Property Tax Assessment Values Across Clay County, North Carolina

Source: Ownwell

$140,950

$176,225

$211,500

Median Clay County Market Value

$206,600

Median North Carolina Market Value

$197,136

Median United States Market Value

$235,294

Property Tax Assessment Values Across Clay County, North Carolina

City	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
Brasstown	$52,560	$107,325	$140,950	$268,675	$526,600
Hayesville	$77,400	$123,950	$211,500	$416,600	$756,010
Warne	$95,060	$125,125	$163,350	$447,625	$764,110
Franklin	N/A	N/A	N/A	N/A	N/A

Source: Ownwell

Property Tax Bills Across Clay County, North Carolina

In Clay County, NC, property tax bills are calculated based on the assessed value of a home and the local tax rate. The assessed value is determined by the county assessor, who evaluates the property's market value. Homeowners in Clay County face a range of tax bills, with the 25th percentile at $533, the 75th percentile at $1,802, and the 90th percentile reaching $3,011. The median home price in the county is $206,600, which helps determine the assessed value. When comparing tax bills across different areas within the county, Hayesville has the highest median tax bill at $935, while Warne has the lowest at $605. Although Clay County's property tax rate is relatively modest compared to the national median property tax bill of $2,400, it still affects homeowners by contributing to their annual expenses. Understanding these factors is crucial for homeowners who wish to manage their property tax liabilities effectively and ensure they are not overpaying.

Property Tax Bills Across Clay County, North Carolina

Source: Ownwell

$605

$770

$935

Median Clay County Tax Bill

$929

Median North Carolina Tax Bill

$1,615

Median United States Tax Bill

$2,400

Property Tax Bills Across Clay County, North Carolina

City	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
Brasstown	$384	$512	$685	$1,251	$1,436
Hayesville	$353	$539	$935	$1,821	$3,107
Warne	$466	$562	$605	$2,063	$2,415
Franklin	N/A	N/A	N/A	N/A	N/A

Source: Ownwell