28540 Property Tax Rate
Jacksonville, North Carolina · Part of Onslow County
Effective Tax Rate
0.70%
10.9% below state avgMedian Annual Tax
$1,418
$118/mo escrow
Estimate Your Tax
Annual Tax
$1,418
Monthly
$118
Eff. Rate
0.70%
Buyer decision brief
What ZIP 28540 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
$118/mo
Based on median annual tax paid
State context
0.01 percentage points below the North Carolina average
North Carolina average: 0.71%
Data confidence
High confidenceThe Census margin of error is $91, about 6% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Onslow 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 28540 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
$91 tax MOE, 6% 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
Onslow County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 28540
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 $201,700, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 0.70%, 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 $118 per month before insurance, HOA dues, or special assessments.
Assessor verification
Onslow County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 28540 Compares
Median Annual Property Tax
ZIP 28540
0.70%
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 53% of ZIP codes in North Carolina(53th percentile, 754 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 28540
Property owners in ZIP code 28540 (Jacksonville, North Carolina) pay a median of $1,418/year in property taxes on homes valued at $201,700. This translates to an effective tax rate of 0.70%, which is near the North Carolina state average of 0.71%.
The monthly property tax burden for a median-valued home in 28540 is approximately $118, which factors into escrow payments on mortgages. This ZIP code is located within Onslow County.
Compared to similar ZIP codes in North Carolina, 28540 has higher property taxes. ZIP codes with similar effective rates include 27581 (0.70%) and 28529 (0.70%).
In Jacksonville, property taxes represent approximately 2.3% of the median household income of $61,462, providing context for the relative tax burden on homeowners in this area.
North Carolina assesses property at market value annually with no statewide cap on increases, and your home will be revalued at purchase price upon sale. Onslow County offers a Homestead Property Tax Exemption ($25,000 off assessed value for primary residences) and a Disabled Veterans Exemption — contact the Onslow County Tax Assessor's office to file before the next revaluation cycle. Request your assessment notice immediately after closing to verify the appraised value and confirm exemption eligibility.
Frequently Asked Questions
What is the property tax rate in ZIP code 28540?
How much are property taxes in Jacksonville, NC (28540)?
How does ZIP 28540 compare to the North Carolina average?
What is the median home value in ZIP 28540?
What county is ZIP code 28540 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$91. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 28540 is part of Onslow County, North Carolina. View the full county profile for broader context and more data.
View Onslow County on TaxByCounty →Explore Jacksonville, NC
View all 2 ZIP codes in Jacksonville with property tax comparisons.
View Jacksonville Property Tax Rates →Why compare these ZIPs?
Better comparison set for ZIP 28540
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
28546
Jacksonville, NC
0.00 percentage points lower than ZIP 28540.
Rate
0.70%
Tax
$1,489
Quality
96
28544
Midway Park, NC
0.29 percentage points lower than ZIP 28540.
Rate
0.41%
Tax
$558
Quality
74
28582
Stella, NC
0.15 percentage points lower than ZIP 28540.
Rate
0.55%
Tax
$1,704
Quality
89
28574
Richlands, NC
0.15 percentage points lower than ZIP 28540.
Rate
0.56%
Tax
$1,136
Quality
89
28460
Sneads Ferry, NC
0.09 percentage points lower than ZIP 28540.
Rate
0.61%
Tax
$1,895
Quality
89
28539
Hubert, NC
0.06 percentage points lower than ZIP 28540.
Rate
0.64%
Tax
$1,324
Quality
89
28454
Maple Hill, NC
0.06 percentage points lower than ZIP 28540.
Rate
0.64%
Tax
$1,243
Quality
89
28207
Charlotte, NC
$1,147,200 higher median home value than ZIP 28540.
Rate
0.74%
Tax
$10,001
Quality
82
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.