28205 Property Tax Rate
Charlotte, North Carolina · Part of Mecklenburg County
Effective Tax Rate
0.72%
86.8% above state avgMedian Annual Tax
$2,972
$248/mo escrow
Estimate Your Tax
Annual Tax
$2,972
Monthly
$248
Eff. Rate
0.72%
Buyer decision brief
What ZIP 28205 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$248/mo
Based on median annual tax paid
State context
0.01 percentage points above the North Carolina average
North Carolina average: 0.71%
Data confidence
High confidenceThe Census margin of error is $125, about 4% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Mecklenburg County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 28205 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Strong ACS confidence
$125 tax MOE, 4% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County advisory available
Mecklenburg County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 28205
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $410,800, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 0.72%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on North Carolina and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $248 per month before insurance, HOA dues, or special assessments.
Assessor verification
Mecklenburg County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 28205 Compares
Median Annual Property Tax
ZIP 28205
0.72%
Effective rate
North Carolina Avg
0.71%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in North Carolina
Higher than 56% of ZIP codes in North Carolina(56th percentile, 754 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 28205
Property owners in ZIP code 28205 (Charlotte, North Carolina) pay a median of $2,972/year in property taxes on homes valued at $410,800. This translates to an effective tax rate of 0.72%, which is near the North Carolina state average of 0.71%.
The monthly property tax burden for a median-valued home in 28205 is approximately $248, which factors into escrow payments on mortgages. This ZIP code is located within Mecklenburg County. This is $1,381 more than the North Carolina average of $1,591/year.
Compared to similar ZIP codes in North Carolina, 28205 has higher property taxes. ZIP codes with similar effective rates include 27244 (0.72%) and 28338 (0.72%).
In Charlotte, property taxes represent approximately 4.1% of the median household income of $72,479, providing context for the relative tax burden on homeowners in this area.
North Carolina revalues property every four years at market value; your assessed value will reset to the purchase price at the next countywide revaluation. Mecklenburg County offers a Homestead Property Tax Exclusion ($20,000–$25,000 depending on homeowner age, disability, or widow status) — submit your application to the Mecklenburg County Tax Assessor's office and verify income thresholds ($58,000–$60,000 range for most applicants). Contact the Mecklenburg County Tax Assessor immediately after closing to file your homestead exemption and ensure it takes effect on your first tax bill.
Frequently Asked Questions
What is the property tax rate in ZIP code 28205?
How much are property taxes in Charlotte, NC (28205)?
How does ZIP 28205 compare to the North Carolina average?
What is the median home value in ZIP 28205?
What county is ZIP code 28205 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$125. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 28205 is part of Mecklenburg County, North Carolina. View the full county profile for broader context and more data.
View Mecklenburg County on TaxByCounty →Explore Charlotte, NC
View all 24 ZIP codes in Charlotte with property tax comparisons.
View Charlotte Property Tax Rates →Why compare these ZIPs?
Better comparison set for ZIP 28205
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
28211
Charlotte, NC
0.01 percentage points lower than ZIP 28205.
Rate
0.71%
Tax
$4,997
Quality
101
28217
Charlotte, NC
0.01 percentage points lower than ZIP 28205.
Rate
0.72%
Tax
$1,710
Quality
101
28031
Cornelius, NC
0.03 percentage points lower than ZIP 28205.
Rate
0.70%
Tax
$3,458
Quality
89
28134
Pineville, NC
0.03 percentage points lower than ZIP 28205.
Rate
0.70%
Tax
$2,340
Quality
89
28078
Huntersville, NC
0.03 percentage points lower than ZIP 28205.
Rate
0.70%
Tax
$3,078
Quality
89
28207
Charlotte, NC
$938,100 higher median home value than ZIP 28205.
Rate
0.74%
Tax
$10,001
Quality
89
28480
Wrightsville Beach, NC
0.25 percentage points lower than ZIP 28205.
Rate
0.47%
Tax
$4,974
Quality
77
27608
Raleigh, NC
$500,200 higher median home value than ZIP 28205.
Rate
0.76%
Tax
$6,949
Quality
94
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.