Local costs · North Carolina
What a home costs across North Carolina
Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in North Carolina, then every county with its own tax rate and insurance range.
Statewide facts
- Home insurance average
- About $1,621 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
- Transfer & recording tax
- North Carolina excise tax: 0.20% of price — seller customarily paysSeven counties are authorized to add a local land-transfer tax of up to 1%.On the $333,000 state median home, the buyer’s customary share is about $0; the seller customarily covers about $666.
- Title insurance
- North Carolina uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
- State income tax
- North Carolina income tax is modeled at about 2.97% effective for a married household at $100,000 (3.48% filing single). These are modeled effective rates from Tax Foundation 2026 brackets.
All 100 counties in North Carolina
Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.
| County | Property tax | Insurance / yr |
|---|---|---|
| Alamance County | 0.62% | $790–$1,770typical $1,220 |
| Alexander County | 0.60% | $790–$1,770typical $1,220 |
| Alleghany County | 0.57% | $790–$1,770typical $1,220 |
| Anson County | 0.77% | $790–$1,770typical $1,220 |
| Ashe County | 0.49% | $790–$1,770typical $1,220 |
| Avery County | 0.38% | $790–$1,770typical $1,220 |
| Beaufort County | 0.68% | $2,720–$6,060typical $4,180 |
| Bertie County | 0.79% | $1,880–$4,190typical $2,890 |
| Bladen County | 0.91% | $2,180–$4,870typical $3,360 |
| Brunswick County | 0.54% | $2,720–$6,060typical $4,180 |
| Buncombe County | 0.57% | $790–$1,770typical $1,220 |
| Burke County | 0.68% | $790–$1,770typical $1,220 |
| Cabarrus County | 0.73% | $790–$1,770typical $1,220 |
| Caldwell County | 0.60% | $790–$1,770typical $1,220 |
| Camden County | 0.58% | $990–$2,220typical $1,530 |
| Carteret County | 0.43% | $2,720–$6,060typical $4,180 |
| Caswell County | 0.69% | $790–$1,770typical $1,220 |
| Catawba County | 0.58% | $790–$1,770typical $1,220 |
| Chatham County | 0.64% | $790–$1,770typical $1,220 |
| Cherokee County | 0.46% | $790–$1,770typical $1,220 |
| Chowan County | 0.71% | $2,000–$4,470typical $3,080 |
| Clay County | 0.43% | $790–$1,770typical $1,220 |
| Cleveland County | 0.64% | $790–$1,770typical $1,220 |
| Columbus County | 0.77% | $2,400–$5,350typical $3,690 |
| Craven County | 0.63% | $2,720–$6,060typical $4,180 |
| Cumberland County | 0.93% | $960–$2,150typical $1,480 |
| Currituck County | 0.46% | $1,020–$2,280typical $1,570 |
| Dare County | 0.52% | $2,720–$6,060typical $4,180 |
| Davidson County | 0.60% | $790–$1,770typical $1,220 |
| Davie County | 0.63% | $790–$1,770typical $1,220 |
| Duplin County | 0.69% | $2,290–$5,120typical $3,530 |
| Durham County | 0.79% | $790–$1,770typical $1,220 |
| Edgecombe County | 1.04% | $940–$2,100typical $1,450 |
| Forsyth County | 0.79% | $790–$1,770typical $1,220 |
| Franklin County | 0.65% | $790–$1,770typical $1,220 |
| Gaston County | 0.74% | $790–$1,770typical $1,220 |
| Gates County | 0.76% | $920–$2,060typical $1,420 |
| Graham County | 0.57% | $790–$1,770typical $1,220 |
| Granville County | 0.67% | $900–$2,020typical $1,390 |
| Greene County | 0.89% | $1,940–$4,320typical $2,980 |
| Guilford County | 0.84% | $790–$1,770typical $1,220 |
| Halifax County | 1.15% | $890–$1,990typical $1,370 |
| Harnett County | 0.69% | $920–$2,060typical $1,420 |
| Haywood County | 0.57% | $790–$1,770typical $1,220 |
| Henderson County | 0.52% | $790–$1,770typical $1,220 |
| Hertford County | 0.98% | $1,870–$4,180typical $2,880 |
| Hoke County | 0.67% | $1,050–$2,330typical $1,610 |
| Hyde County | 0.79% | $2,720–$6,060typical $4,180 |
| Iredell County | 0.61% | $790–$1,770typical $1,220 |
| Jackson County | 0.34% | $790–$1,770typical $1,220 |
| Johnston County | 0.62% | $790–$1,770typical $1,220 |
| Jones County | 0.74% | $2,720–$6,060typical $4,180 |
| Lee County | 0.74% | $830–$1,840typical $1,270 |
| Lenoir County | 0.84% | $1,490–$3,320typical $2,290 |
| Lincoln County | 0.58% | $790–$1,770typical $1,220 |
| Macon County | 0.43% | $790–$1,770typical $1,220 |
| Madison County | 0.48% | $790–$1,770typical $1,220 |
| Martin County | 1.06% | $1,870–$4,180typical $2,880 |
| McDowell County | 0.53% | $790–$1,770typical $1,220 |
| Mecklenburg County | 0.71% | $790–$1,770typical $1,220 |
| Mitchell County | 0.52% | $790–$1,770typical $1,220 |
| Montgomery County | 0.64% | $960–$2,130typical $1,470 |
| Moore County | 0.53% | $840–$1,870typical $1,290 |
| Nash County | 0.71% | $910–$2,030typical $1,400 |
| New Hanover County | 0.54% | $2,670–$5,960typical $4,110 |
| Northampton County | 1.08% | $930–$2,070typical $1,430 |
| Onslow County | 0.64% | $2,720–$6,060typical $4,180 |
| Orange County | 0.91% | $790–$1,770typical $1,220 |
| Pamlico County | 0.56% | $2,720–$6,060typical $4,180 |
| Pasquotank County | 0.67% | $1,510–$3,360typical $2,320 |
| Pender County | 0.63% | $2,700–$6,020typical $4,150 |
| Perquimans County | 0.59% | $2,160–$4,810typical $3,320 |
| Person County | 0.62% | $790–$1,770typical $1,220 |
| Pitt County | 0.83% | $1,400–$3,120typical $2,150 |
| Polk County | 0.54% | $790–$1,770typical $1,220 |
| Randolph County | 0.67% | $790–$1,770typical $1,220 |
| Richmond County | 0.89% | $960–$2,150typical $1,480 |
| Robeson County | 0.87% | $1,400–$3,130typical $2,160 |
| Rockingham County | 0.75% | $790–$1,770typical $1,220 |
| Rowan County | 0.65% | $790–$1,770typical $1,220 |
| Rutherford County | 0.58% | $790–$1,770typical $1,220 |
| Sampson County | 0.75% | $2,000–$4,470typical $3,080 |
| Scotland County | 0.93% | $1,050–$2,350typical $1,620 |
| Stanly County | 0.57% | $790–$1,770typical $1,220 |
| Stokes County | 0.60% | $790–$1,770typical $1,220 |
| Surry County | 0.60% | $790–$1,770typical $1,220 |
| Swain County | 0.41% | $790–$1,770typical $1,220 |
| Transylvania County | 0.45% | $790–$1,770typical $1,220 |
| Tyrrell County | 0.81% | $2,720–$6,060typical $4,180 |
| Union County | 0.57% | $790–$1,770typical $1,220 |
| Vance County | 0.78% | $790–$1,770typical $1,220 |
| Wake County | 0.71% | $790–$1,770typical $1,220 |
| Warren County | 0.71% | $1,010–$2,260typical $1,560 |
| Washington County | 0.99% | $2,720–$6,060typical $4,180 |
| Watauga County | 0.39% | $790–$1,770typical $1,220 |
| Wayne County | 0.70% | $1,270–$2,830typical $1,950 |
| Wilkes County | 0.59% | $790–$1,770typical $1,220 |
| Wilson County | 0.79% | $930–$2,070typical $1,430 |
| Yadkin County | 0.67% | $790–$1,770typical $1,220 |
| Yancey County | 0.48% | $790–$1,770typical $1,220 |
* Property-tax rate is approximate because the county’s Census median is top-coded.
How these numbers are built
Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.
Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.