Surf City, Onslow County, North Carolina Property Taxes
Median Surf City, NC effective property tax rate: 0.66%, significantly lower than the national median of 1.02%, but lower than the North Carolina state median of 0.82%.
Median Surf City, NC home value: $571,984
Median annual Surf City, NC tax bill: $3,734, $1,334 higher than the national median property tax bill of $2,400.
How are property taxes in Onslow calculated?
Property taxes in Surf City, NC 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 Surf City’s property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Surf City, knowing local tax details benefits homeowners and investors.
Last Updated March 1, 2025
Surf City, Onslow County, North Carolina Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.66%
Estimate Property Tax Bill
$3,775
$3,503
Property Tax Rates Across Surf City, Onslow County, North Carolina
Local government entities determine tax rates, which can differ significantly within a state. This variation stems from each county's annual process of estimating its required budget to provide essential services and dividing that by the total value of all taxable property within its jurisdiction, resulting in the property tax rate. Although votes and laws play a role in setting these rates and budgets, this is the essence of the annual procedure.
In Surf City, located in Onslow County, North Carolina, the effective property tax rate is a reflection of this process. When comparing Surf City's property tax rate to other cities in North Carolina, it becomes evident that Surf City maintains a competitive rate. North Carolina's median property tax rate is lower than the national median of 1.02%, offering potential savings for homeowners. This makes Surf City an attractive option for those seeking a balance between quality services and affordable property taxes. By understanding these dynamics, property owners in Surf City can make informed decisions about their investments and financial planning.
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 Surf City 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 Onslow County Tax Rate
0.66%
Median Effective North Carolina Tax Rate
0.82%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Surf City, Onslow County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 28445 | 0.65% | 0.65% | 0.66% | 0.66% | 0.66% |
Source: Ownwell
Property Tax Assessment Values Across Surf City, Onslow County, North Carolina
When examining property taxes in Surf City, NC, 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 Onslow 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.
In Onslow County, assessment notices are sent in the spring each year. They’ll typically reach your mailbox by the middle of April. 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 Surf City. For example, the median home price in Surf City is $571,984, with tax bills ranging significantly across the county. 28445 has the highest median home price at $571,984.
Property Tax Assessment Values Across Surf City, Onslow County, North Carolina
Source: Ownwell
$90,896
$331,440
$571,984
Median Surf City Market Value
$571,984
Median Onslow County Market Value
$189,006
Median North Carolina Market Value
$197,136
Median United States Market Value
$235,294
Property Tax Assessment Values Across Surf City, Onslow County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 28445 | $327,907 | $389,922 | $571,984 | $702,359 | $856,896 |
Source: Ownwell
Property Tax Bills Across Surf City, Onslow County, North Carolina
In Surf City, located in Onslow County, NC, property tax bills are calculated based on the assessed value of a home, multiplied by the local tax rate. The assessed value is determined by the county assessor and reflects the market value of the property. For homeowners in Surf City, the median property tax bill is $3,734, which is significantly higher than the national median of $2,400. Factors such as property improvements and changes in market conditions can influence the assessed value, thereby affecting the tax bill. With the 25th percentile tax bill at $2,519 and the 75th percentile reaching $4,600, there's a broad range of tax burdens among homeowners.
Ownwell can assist homeowners in Surf City by reviewing their property assessments for inaccuracies and filing appeals on their behalf. By leveraging expertise in local tax regulations, Ownwell aims to secure reductions in property tax bills, ensuring homeowners pay only their fair share. This service can be particularly beneficial given the higher-than-average tax burdens in the area.
Median Surf City Tax Bill
$3,734
Median Onslow County Tax Bill
$1,414
Median North Carolina Tax Bill
$1,615
Median United States Tax Bill
$2,400
Property Tax Bills Across Surf City, Onslow County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 28445 | $2,122 | $2,519 | $3,734 | $4,600 | $5,613 |
Source: Ownwell