Property Taxes in Point Harbor, North Carolina
Median Point Harbor, North Carolina effective property tax rate: 0.72%, significantly lower than the national median of 1.02%, and lower than the North Carolina state median of 0.81%.
Median Point Harbor, North Carolina home value: $232,200
Median annual Point Harbor, North Carolina tax bill: $1,657, $743 lower than the national median property tax bill of $2,400.
How are property taxes in Currituck calculated?
Property taxes in Point Harbor, North Carolina 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 Point Harbor's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Point Harbor, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Point Harbor Property Tax Calculator Work?
Use this Point Harbor property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Point Harbor's median effective tax rate of 0.72% — based on actual property records in Currituck County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Point Harbor's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Your bill may vary by ZIP code within Point Harbor: rates range from 0.72% in 27964 to 0.72% in 27964, primarily due to differences in school district levies and local assessment districts.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Point Harbor.
About Point Harbor Property Taxes
About Property Taxes in Point Harbor, Currituck, North Carolina
Point Harbor's median effective property tax rate of 0.72% is lower than the North Carolina state median of 0.81% and lower than the national median of 1.02%. This rate reflects the Currituck County base levy combined with local school district levies and special assessment districts that vary by subdivision throughout the city.
Property tax rates are not uniform across Point Harbor. Homeowners in the 27964 ZIP code carry a median effective rate of 0.72%, while those in the same ZIP code pay 0.72%. This spread reflects how school district boundaries and local assessment districts are drawn across Currituck County. Understanding which part of Point Harbor you live in can make a meaningful difference to your annual tax bill.
Point Harbor homeowners who believe their assessed value is too high can file a formal appeal with the Tax Assessor before the May 4, 2026 deadline each year.
If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.
Property Tax Rates Across Point Harbor, Currituck County, North Carolina
As noted earlier, local government entities set tax rates, which can vary widely within a state.
Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.
While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.
Below, you can compare Point Harbor's effective property tax rate to other cities in North Carolina and the median property tax rates in North Carolina and the U.S.
Property Tax Rates Across Point Harbor, Currituck County, North Carolina
Source: Ownwell
0.70%
0.76%
0.81%
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 Point Harbor Tax Rate
0.72%
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 Currituck County Tax Rate
0.74%
Median Effective North Carolina Tax Rate
0.81%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across Point Harbor, Currituck County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 27964 | 0.62% | 0.67% | 0.72% | 0.79% | 0.88% |
Source: Ownwell
Property Tax Assessment Values Across Point Harbor, Currituck County, North Carolina
When examining property taxes in Point Harbor, North Carolina, 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 Currituck 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.
Assessment notices in Currituck County are sent in the spring each year and typically reach your mailbox by the middle of the season. 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.
For example, the median home price in Point Harbor is $232,200, with a median tax bill of $1,657. The highest median home price is in 27964, where the median home price is $232,200 and the median tax bill is $1,657.
Property Tax Assessment Values Across Point Harbor, Currituck County, North Carolina
Source: Ownwell
$152,800
$327,800
$502,800
Median Point Harbor Market Value
$232,200
Median Currituck County Market Value
$313,200
Median North Carolina Market Value
$221,500
Median United States Market Value
$274,101
Property Tax Assessment Values Across Point Harbor, Currituck County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 27964 | $85,470 | $128,100 | $232,200 | $339,825 | $575,880 |
Source: Ownwell
Property Tax Bills Across Point Harbor, Currituck County, North Carolina
Property tax bills in Point Harbor are calculated by multiplying a home’s assessed value by the local tax rate set for Currituck County. The assessed value is based on the property’s market value, which means what the home is worth in the current real estate market, not what the owner originally paid for it. Factors such as location, size, condition, and nearby sales can all influence that value.
For homeowners, this means a higher assessed value usually leads to a higher tax bill. In Point Harbor, the median home price is $232,200, and the median tax bill is $1,657 in ZIP code 27964. That is below the national median property tax bill of $2,400 and also below the national median property tax rate of 1.02%.
Because tax bills can vary widely, homeowners may see very different amounts depending on how their property is assessed.
Property Tax Bills Across Point Harbor, Currituck County, North Carolina
Source: Ownwell
$1,171
$2,836
$4,500
Median Point Harbor Tax Bill
$1,657
Median Currituck County Tax Bill
$2,279
Median North Carolina Tax Bill
$1,813
Median United States Tax Bill
$3,209
Property Tax Bills Across Point Harbor, Currituck County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 27964 | $685 | $966 | $1,657 | $2,374 | $3,883 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | April 20 |
Links | |
|---|---|
| Currituck Tax Assessor | |
| Website | currituckncgov.com |