Charlotte, NC Property Tax Rates
Compare property tax rates across 24 ZIP codes in Charlotte, North Carolina.
Avg Tax Rate
0.77%
Avg Annual Tax
$3,315
Avg Home Value
$434,954
ZIP Codes
24
Property Tax Overview: Charlotte, NC
Charlotte has 24 ZIP codes with property tax data. The average effective tax rate across these ZIPs is 0.77%, which is 7% above the North Carolina average of 0.71%. Annual property taxes range from $4,997 (ZIP 28211) to $2,577 (ZIP 28262).
For a home at Charlotte's median value of $434,954, property taxes add approximately $277/month to housing costs. Charlotte home values are above the North Carolina median of $236,692, meaning the monthly tax impact is correspondingly higher.
Property tax rates within Charlotte vary by 0.15 percentage points across its ZIP codes. This variation typically reflects different school district boundaries, special assessment zones, and municipal service areas within the city.
ZIP Codes in Charlotte, NC
| ZIP Code | Effective Rate | Median Tax | Median Home Value |
|---|---|---|---|
| 28211 | 0.71% | $4,997 | $701,900 |
| 28217 | 0.72% | $1,710 | $238,500 |
| 28205 | 0.72% | $2,972 | $410,800 |
| 28206 | 0.73% | $1,738 | $239,700 |
| 28270 | 0.73% | $3,955 | $543,600 |
| 28209 | 0.74% | $4,387 | $596,000 |
| 28215 | 0.74% | $2,024 | $273,800 |
| 28227 | 0.74% | $2,327 | $313,900 |
| 28207 | 0.74% | $10,001 | $1,348,900 |
| 28278 | 0.74% | $3,078 | $413,400 |
| 28273 | 0.75% | $2,290 | $304,900 |
| 28212 | 0.76% | $1,785 | $236,300 |
| 28210 | 0.76% | $3,695 | $486,000 |
| 28208 | 0.77% | $1,521 | $198,300 |
| 28226 | 0.77% | $4,312 | $560,100 |
| 28204 | 0.77% | $4,449 | $576,900 |
| 28216 | 0.78% | $1,908 | $246,100 |
| 28214 | 0.78% | $2,012 | $258,400 |
| 28277 | 0.79% | $3,991 | $507,600 |
| 28202 | 0.80% | $3,416 | $425,900 |
| 28269 | 0.80% | $2,416 | $300,300 |
| 28213 | 0.83% | $2,091 | $251,700 |
| 28203 | 0.83% | $5,896 | $708,600 |
| 28262 | 0.87% | $2,577 | $297,300 |
Charlotte vs North Carolina Average
Effective Tax Rate
7% above state average
Annual Property Tax
Median Home Value
Frequently Asked Questions
What is the average property tax rate in Charlotte, NC?
The average effective property tax rate in Charlotte, North Carolina is 0.77%, based on 24 ZIP codes.
How much is property tax in Charlotte, NC?
The average median annual property tax in Charlotte is $3,315 per year, with a median home value of $434,954.
Which ZIP code in Charlotte has the lowest property tax rate?
ZIP code 28211 has the lowest effective tax rate in Charlotte at 0.71%, with a median annual tax of $4,997.
How many ZIP codes are in Charlotte, NC?
Charlotte, North Carolina has 24 ZIP codes with property tax data available.
Which ZIP code in Charlotte has the highest property tax rate?
ZIP code 28262 has the highest effective tax rate in Charlotte at 0.87%, with a median annual tax of $2,577.
How do Charlotte property taxes compare to the North Carolina average?
Charlotte's average effective rate of 0.77% is 7% above the North Carolina state average of 0.71%.
What factors affect property tax rates between ZIP codes in Charlotte?
Property tax rate differences within Charlotte are typically driven by school district boundaries (which can account for 40–60% of a tax bill), special assessment zones for fire, water, or transit services, and whether a ZIP falls within city limits or an unincorporated area. Each taxing jurisdiction sets its own rate, which is why adjacent ZIP codes can have noticeably different effective rates.
Tips for Charlotte Homeowners
- •Appeal your assessment: If your home is assessed higher than its market value, you can file a property tax appeal. Studies suggest 30–60% of properties are over-assessed. Most counties offer a free informal review process.
- •Check your exemptions: Homestead exemptions can reduce your taxable value and are available to primary residents in most states. Senior, veteran, and disability exemptions may also apply. Exemptions must typically be applied for — they are not automatic.
- •Know your assessment cycle: North Carolina reassesses properties periodically. After buying a home, your next tax bill may reflect a new assessment based on your purchase price. Budget accordingly, especially if you bought above prior assessed values.
- •Compare ZIP codes before buying: Even within Charlotte, effective tax rates can vary significantly across ZIP codes due to different school district overlays. Use PropertyTaxByZip to compare specific ZIPs before choosing a neighborhood.
Other Cities in North Carolina
Looking for county-level property tax data? View Mecklenburg County on TaxByCounty.com
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.