Property Taxes in Union Mills, North Carolina
Median Union Mills, North Carolina effective property tax rate: 0.66%, significantly lower than the national median of 1.02%, and lower than the North Carolina state median of 0.81%.
Median Union Mills, North Carolina home value: $110,715
Median annual Union Mills, North Carolina tax bill: $688, $1,712 lower than the national median property tax bill of $2,400.
How are property taxes in McDowell calculated?
Property taxes in Union Mills, 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 Union Mills's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Union Mills, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Union Mills Property Tax Calculator Work?
Use this Union Mills property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Union Mills' median effective tax rate of 0.66% — based on actual property records in McDowell 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 Union Mills' 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 Union Mills: rates range from 0.66% in 28167 to 0.66% in 28167, 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 Union Mills.
About Union Mills Property Taxes
About Property Taxes in Union Mills, McDowell, North Carolina
Union Mills' median effective property tax rate of 0.66% is lower than the North Carolina state median of 0.81% and lower than the national median of 1.02%. This rate reflects the McDowell 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 Union Mills. Homeowners in the 28167 ZIP code carry a median effective rate of 0.66%, while those in the lowest ZIP also pay 0.66%. This spread reflects how school district boundaries and local assessment districts are drawn across McDowell County. Understanding which part of Union Mills you live in can make a meaningful difference to your annual tax bill.
Union Mills homeowners who believe their assessed value is too high can file a formal appeal with the local 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 Union Mills, Mcdowell 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 Union Mills'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 Union Mills, Mcdowell County, North Carolina
Source: Ownwell
0.66%
0.68%
0.71%
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 Union Mills Tax Rate
0.66%
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 Mcdowell County Tax Rate
0.68%
Median Effective North Carolina Tax Rate
0.81%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across Union Mills, Mcdowell County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 28167 | 0.19% | 0.66% | 0.66% | 0.66% | 0.66% |
Source: Ownwell
Property Tax Assessment Values Across Union Mills, Mcdowell County, North Carolina
When examining property taxes in Union Mills, 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 McDowell 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 McDowell County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of the month when notices are sent.
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. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Union Mills.
For example, the median home price in Union Mills is $110,715, with tax bills ranging significantly across the county. 28167 has the highest median home price at $110,715.
Property Tax Assessment Values Across Union Mills, Mcdowell County, North Carolina
Source: Ownwell
$76,740
$327,523
$578,305
Median Union Mills Market Value
$110,715
Median Mcdowell County Market Value
$116,840
Median North Carolina Market Value
$221,500
Median United States Market Value
$274,101
Property Tax Assessment Values Across Union Mills, Mcdowell County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 28167 | $34,238 | $78,720 | $110,715 | $190,765 | $430,109 |
Source: Ownwell
Property Tax Bills Across Union Mills, Mcdowell County, North Carolina
Property tax bills in Union Mills are calculated by applying the local tax rate to a home’s assessed value, which is based on the market value of the property and any taxable improvements. Local governments use that assessed value to determine how much tax a homeowner owes each year, so the bill can change when property values or tax rates change.
For homeowners in McDowell County, the typical tax burden is shaped by both the home’s value and the local levy. With a median home price of $110,715, the amount owed can vary widely from one property to another. The 25th percentile tax bill is $347, while the 75th percentile is $1,139 and the 90th percentile reaches $2,377. The median tax bill is $688, which is well below the national median property tax bill of $2,400. This means many homeowners in Union Mills pay less than the national median, but higher-valued or more heavily taxed homes can still see a much larger bill.
Property Tax Bills Across Union Mills, Mcdowell County, North Carolina
Source: Ownwell
$528
$2,332
$4,136
Median Union Mills Tax Bill
$688
Median Mcdowell County Tax Bill
$756
Median North Carolina Tax Bill
$1,813
Median United States Tax Bill
$3,209
Property Tax Bills Across Union Mills, Mcdowell County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 28167 | $197 | $347 | $688 | $1,139 | $2,377 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | January 31 |
Links | |
|---|---|
| McDowell Tax Assessor | |
| Website | www.bttaxpayerportal.com |