Swansboro, Onslow County, North Carolina Property Taxes

Name: Property Tax Bills Across Swansboro, Onslow County, North Carolina
Creator: Ownwell
License: https://creativecommons.org/licenses/by-nc/4.0/

Median Swansboro, NC effective property tax rate: 1.00%, slightly lower than the national median of 1.02%, but higher than the North Carolina state median of 0.82%.
Median Swansboro, NC home value: $261,354
Median annual Swansboro, NC tax bill: $2,312, $88 lower than the national median property tax bill of $2,400.

How are property taxes in Onslow County calculated?

Property taxes in Swansboro, 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 Swansboro’s property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Swansboro, knowing local tax details benefits homeowners and investors.

Last Updated March 1, 2025

Swansboro, Onslow County, North Carolina Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

Estimate Property Tax Bill

$2,614

$2,425

Ownwell’s Swansboro Property Tax Bill Calculator empowers homeowners, real estate investors, and potential buyers to estimate their annual property taxes in Swansboro with just two data points. By entering your property's estimated assessed value, our calculator applies Swansboro’s median effective tax rate to accurately estimate your property tax bill. Note that your property's assessed value — determined by Onslow County — reflects any exemptions you may have, ensuring a precise calculation for your property tax obligations. This insightful tool helps you understand potential tax liabilities and highlights how Ownwell can assist in reducing property taxes in Onslow County. For those interested in more localized information, please scroll down to explore city-level trends!

Property Tax Rates Across Swansboro, Onslow County, North Carolina

Local government entities determine tax rates, leading to significant variations within North Carolina. Each county, including Onslow, calculates its annual budget needs and divides this by the total value of all taxable property in its area, resulting in the property tax rate. Despite the involvement of votes and laws, this is essentially the yearly process.

Swansboro, located in Onslow County, offers an interesting comparison for property tax rates. The effective property tax rate here aligns closely with North Carolina's median rate of 1.00%, which is slightly below the national median of 1.02%. This slight difference can impact homeowners' annual tax bills, making Swansboro a potentially attractive location for those looking to optimize their property tax expenses. Understanding these rates is crucial for homeowners aiming to manage their financial obligations effectively.

By comparing Swansboro's rates with other cities in North Carolina and the national average, homeowners can make informed decisions about where to buy or invest. With property taxes being a significant consideration, Swansboro presents a compelling case for those seeking a balanced approach to property ownership costs.

Property Tax Rates Across Swansboro, Onslow County, North Carolina

Source: Ownwell

0.65%

0.87%

1.08%

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 Swansboro Tax Rate

1.00%

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 Swansboro, Onslow County, North Carolina

Zip	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
28584	0.65%	0.66%	1.00%	1.01%	1.01%

Source: Ownwell

Property Tax Assessment Values Across Swansboro, Onslow County, North Carolina

When examining property taxes in Swansboro, 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 March. 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 Swansboro. For example, the median home price in Swansboro is $261,354, with tax bills ranging significantly across the county. Zip code 28584 has the highest median home price at $261,354.

Property Tax Assessment Values Across Swansboro, Onslow County, North Carolina

Source: Ownwell

$90,896

$331,440

$571,984

Median Swansboro Market Value

$261,354

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 Swansboro, Onslow County, North Carolina

Zip	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
28584	$105,485	$171,171	$261,354	$347,286	$451,579

Source: Ownwell

Property Tax Bills Across Swansboro, Onslow County, North Carolina

In Swansboro, NC, property tax bills are calculated based on the assessed value of a home, which is determined by the local tax assessor. This assessed value is then multiplied by the local tax rate to determine the tax bill. In Onslow County, the property tax rate is slightly below the national median of 1.02%, which can result in a lower tax bill. However, homeowners in Swansboro still face significant tax bills, with the median tax bill at $2,312. This is slightly below the national median property tax bill of $2,400, but it can still pose a financial burden for homeowners. Factors such as property size, location, and improvements can influence the assessed value, impacting the final tax bill. Ownwell assists homeowners by identifying potential savings through property tax appeals and exemptions. By analyzing local tax assessments and market conditions, Ownwell can help homeowners reduce their tax liabilities, ensuring they only pay their fair share and potentially saving them hundreds or even thousands of dollars annually.

Property Tax Bills Across Swansboro, Onslow County, North Carolina

Source: Ownwell

$594

$2,164

$3,734

Median Swansboro Tax Bill

$2,312

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 Swansboro, Onslow County, North Carolina

Zip	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
28584	$845	$1,475	$2,312	$3,150	$3,794

Source: Ownwell