Charlotte, Mecklenburg County, North Carolina Property Taxes

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

Median Charlotte, NC effective property tax rate: 0.62%, significantly lower than the national median of 1.02%, but lower than the NC state median of 0.82%.
Median Charlotte, NC home value: $350,000
Median annual Charlotte, NC tax bill: $2,113, $287 lower than the national median property tax bill of $2,400.

How are property taxes in Mecklenburg calculated?

Property taxes in Charlotte, NC 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 Charlotte’s property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Charlotte, knowing local tax details benefits homeowners and investors.

Last Updated March 1, 2025

Charlotte, Mecklenburg County, North Carolina Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

0.62%

Estimate Property Tax Bill

$2,170

$2,014

Ownwell’s Charlotte Property Tax Bill Calculator empowers homeowners, real estate investors, and potential buyers to estimate their annual property taxes in Charlotte with just two data points. By entering your property's estimated assessed value, our calculator applies Charlotte’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 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 Mecklenburg County. For those interested in more localized information, please scroll down to explore city-level trends!

Property Tax Rates Across Charlotte, Mecklenburg County, North Carolina

Local government entities set tax rates, which can vary widely within a state. Each year, counties determine their budget requirements for public services and divide this by the total value of all taxable property within their jurisdiction, resulting in the property tax rate. This annual process involves votes and laws to finalize rates and budgets. In Charlotte, located in Mecklenburg County, the effective property tax rate stands at 0.62%, which is below the national median of 1.02%. Within Charlotte, the highest median property tax rate is 0.79% in the 28202 ZIP code, while the lowest is 0.48% in the 28078 ZIP code. Compared to other cities in North Carolina, Charlotte's tax rate is relatively moderate. This offers a favorable environment for property owners, especially when contrasted with the national landscape. Understanding these local variations is crucial for property owners seeking to manage their tax liabilities effectively.

Property Tax Rates Across Charlotte, Mecklenburg County, North Carolina

Source: Ownwell

0.26%

0.53%

0.79%

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 Charlotte Tax Rate

0.62%

Median Effective Mecklenburg County Tax Rate

0.61%

Median Effective North Carolina Tax Rate

0.82%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Charlotte, Mecklenburg County, North Carolina

Zip	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
28031	0.29%	0.46%	0.52%	1.16%	2.33%
28036	0.11%	0.30%	0.39%	0.46%	0.62%
28078	0.20%	0.32%	0.48%	0.62%	0.84%
28104	0.24%	0.24%	0.26%	0.64%	0.68%
28105	0.42%	0.52%	0.60%	0.83%	1.96%
28107	0.35%	0.48%	0.59%	0.64%	1.25%
28134	0.37%	0.41%	0.70%	0.95%	1.00%
28202	0.68%	0.73%	0.79%	0.86%	0.92%
28203	0.55%	0.63%	0.70%	0.75%	0.81%
28204	0.48%	0.64%	0.71%	0.78%	0.87%
28205	0.43%	0.59%	0.66%	0.71%	0.77%
28206	0.30%	0.42%	0.51%	0.61%	0.71%
28207	0.58%	0.64%	0.69%	0.75%	0.82%
28208	0.31%	0.45%	0.54%	0.61%	0.70%
28209	0.59%	0.64%	0.69%	0.73%	0.79%
28210	0.56%	0.63%	0.67%	0.71%	0.75%
28211	0.55%	0.61%	0.66%	0.71%	0.79%
28212	0.44%	0.53%	0.58%	0.61%	0.65%
28213	0.49%	0.55%	0.59%	0.62%	0.66%
28214	0.39%	0.52%	0.57%	0.62%	0.68%
28215	0.42%	0.53%	0.57%	0.62%	0.68%
28216	0.40%	0.51%	0.57%	0.62%	0.67%
28217	0.34%	0.43%	0.53%	0.60%	0.67%
28226	0.58%	0.64%	0.68%	0.72%	0.76%
28227	0.45%	0.51%	0.56%	0.61%	0.66%
28262	0.41%	0.53%	0.58%	0.63%	0.68%
28269	0.49%	0.56%	0.61%	0.65%	0.69%
28270	0.58%	0.63%	0.66%	0.70%	0.73%
28273	0.53%	0.57%	0.62%	0.65%	0.68%
28277	0.60%	0.63%	0.66%	0.70%	0.73%
28278	0.51%	0.58%	0.61%	0.66%	0.70%
28027	N/A	N/A	N/A	N/A	N/A
28079	N/A	N/A	N/A	N/A	N/A

Source: Ownwell

Property Tax Assessment Values Across Charlotte, Mecklenburg County, North Carolina

When examining property taxes in Charlotte, NC, 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 Mecklenburg 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.

In Mecklenburg 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 Charlotte.

For example, the median home price in Charlotte is $350,000, with tax bills ranging significantly across the county. Zip code 28207 has the highest median home price at $1,283,750.

Property Tax Assessment Values Across Charlotte, Mecklenburg County, North Carolina

Source: Ownwell

$18,200

$650,975

$1,283,750

Median Charlotte Market Value

$350,000

Median Mecklenburg County Market Value

$364,800

Median North Carolina Market Value

$197,136

Median United States Market Value

$235,294

Property Tax Assessment Values Across Charlotte, Mecklenburg County, North Carolina

Zip	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
28031	$10,180	$28,400	$279,551	$876,700	$1,453,980
28036	$28,040	$128,200	$300,100	$452,300	$1,407,373
28078	$20,410	$66,825	$183,550	$371,900	$804,180
28104	$357,100	$357,400	$357,700	$382,500	$382,500
28105	$1,370	$18,675	$107,050	$417,125	$471,270
28107	$68,800	$86,100	$129,800	$167,800	$340,900
28134	$14,020	$18,000	$18,200	$54,000	$210,200
28202	$232,500	$289,171	$376,973	$502,650	$683,634
28203	$269,620	$385,542	$617,900	$983,000	$1,339,540
28204	$265,371	$334,302	$523,150	$783,775	$1,000,800
28205	$231,692	$304,600	$392,100	$543,200	$757,700
28206	$150,300	$206,275	$273,000	$358,450	$531,080
28207	$235,582	$430,134	$1,283,750	$1,986,225	$2,724,270
28208	$100,000	$171,200	$233,600	$309,000	$449,740
28209	$257,295	$386,822	$539,950	$839,475	$1,387,603
28210	$199,617	$326,183	$470,000	$641,800	$861,320
28211	$287,460	$484,750	$675,550	$1,257,376	$1,963,540
28212	$166,352	$238,800	$288,100	$329,425	$377,300
28213	$147,543	$220,800	$302,800	$369,400	$426,180
28214	$99,630	$242,700	$305,800	$354,300	$421,300
28215	$161,066	$249,800	$312,100	$365,200	$425,000
28216	$126,800	$219,875	$287,400	$348,300	$416,700
28217	$137,600	$208,325	$265,900	$336,300	$397,700
28226	$268,703	$364,500	$531,700	$819,900	$1,173,860
28227	$181,050	$247,000	$290,300	$340,700	$416,900
28262	$184,469	$252,875	$321,250	$377,900	$457,910
28269	$194,100	$267,500	$331,700	$389,300	$447,820
28270	$315,320	$399,200	$537,000	$716,900	$934,580
28273	$241,850	$287,700	$341,350	$394,800	$456,850
28277	$308,000	$392,400	$518,500	$673,100	$913,060
28278	$291,800	$359,000	$431,600	$548,200	$723,920
28027	N/A	N/A	N/A	N/A	N/A
28079	N/A	N/A	N/A	N/A	N/A

Source: Ownwell

Property Tax Bills Across Charlotte, Mecklenburg County, North Carolina

In Charlotte, located in Mecklenburg County, NC, property tax bills are calculated based on the assessed value of a home, which is determined by the county assessor. This assessed value is then multiplied by the local tax rate to determine the annual tax bill. Homeowners in Charlotte face a range of tax bills, with the 25th percentile at $1,485 and the 75th percentile at $3,207, reflecting the city's diverse housing market. The highest median tax bill in the area can reach up to $8,593, while the lowest can be as little as $206, depending on the neighborhood. These figures illustrate the significant impact property taxes can have on homeowners' finances. By appealing their assessed values, homeowners can potentially reduce their tax burden. Ownwell offers expertise in property tax appeals and exemptions, helping homeowners navigate the complexities of the tax system. With professional guidance, homeowners can identify opportunities for savings, ensuring they only pay their fair share in property taxes.

Property Tax Bills Across Charlotte, Mecklenburg County, North Carolina

Source: Ownwell

$206

$4,400

$8,593

Median Charlotte Tax Bill

$2,113

Median Mecklenburg County Tax Bill

$2,199

Median North Carolina Tax Bill

$1,615

Median United States Tax Bill

$2,400

Property Tax Bills Across Charlotte, Mecklenburg County, North Carolina

Zip	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
28031	$104	$415	$1,150	$4,692	$6,975
28036	$102	$519	$1,040	$1,798	$5,649
28078	$110	$307	$771	$1,753	$3,849
28104	$920	$921	$921	$2,435	$2,437
28105	$16	$142	$656	$2,507	$2,865
28107	$303	$417	$669	$1,000	$4,443
28134	$42	$143	$206	$605	$899
28202	$1,817	$2,201	$2,935	$4,025	$5,498
28203	$1,843	$2,609	$4,029	$6,663	$9,397
28204	$1,487	$2,061	$3,254	$5,402	$6,942
28205	$1,148	$1,891	$2,493	$3,606	$5,029
28206	$318	$886	$1,305	$2,039	$3,098
28207	$1,665	$3,040	$8,593	$13,355	$18,421
28208	$434	$844	$1,178	$1,587	$2,827
28209	$1,592	$2,554	$3,677	$5,785	$9,181
28210	$1,195	$2,138	$3,187	$4,320	$6,082
28211	$1,661	$3,049	$4,451	$8,257	$12,930
28212	$780	$1,306	$1,642	$1,915	$2,261
28213	$763	$1,239	$1,702	$2,152	$2,575
28214	$429	$1,280	$1,686	$2,073	$2,630
28215	$637	$1,382	$1,739	$2,129	$2,581
28216	$550	$1,134	$1,575	$2,007	$2,519
28217	$591	$964	$1,323	$1,824	$2,233
28226	$1,475	$2,463	$3,589	$5,549	$7,858
28227	$826	$1,278	$1,599	$1,986	$2,540
28262	$932	$1,353	$1,827	$2,272	$2,866
28269	$868	$1,493	$1,937	$2,443	$2,864
28270	$1,840	$2,569	$3,554	$4,780	$6,147
28273	$1,305	$1,713	$2,092	$2,503	$2,938
28277	$1,909	$2,561	$3,434	$4,503	$6,163
28278	$1,152	$2,076	$2,623	$3,387	$4,648
28027	N/A	N/A	N/A	N/A	N/A
28079	N/A	N/A	N/A	N/A	N/A

Source: Ownwell