Property Taxes in Swansboro, North Carolina
Median Swansboro, North Carolina effective property tax rate: 1.00%, significantly lower than the national median of 1.02%, and higher than the North Carolina state median of 0.81%.
Median Swansboro, North Carolina home value: $262,812
Median annual Swansboro, North Carolina tax bill: $2,209, lower than the national median property tax bill of $2,400.
How are property taxes in Onslow calculated?
Property taxes in Swansboro, 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 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 April 13, 2026
How Does the Swansboro Property Tax Calculator Work?
Use this Swansboro property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Swansboro's median effective tax rate of 1.00% — based on actual property records in Onslow 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 Swansboro'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 Swansboro: rates range from 2209.00 in 28584 to 2209.00 in 28584, 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 Swansboro.
About Swansboro Property Taxes
About Property Taxes in Swansboro, Onslow, North Carolina
Swansboro’s median effective property tax rate of 1.00% is lower than the North Carolina state median of 0.81% and lower than the national median of 1.02%. This rate reflects the Onslow 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 Swansboro. Homeowners in the 28584 ZIP code carry a median effective rate of 1.00%, while those in the same ZIP code also pay 1.00%. This reflects how school district boundaries and local assessment districts are drawn across Onslow County. Understanding which part of Swansboro you live in can make a meaningful difference to your annual tax bill.
Swansboro 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 Swansboro, Onslow 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 Swansboro's effective property tax rate to other cities in North Carolina and the median property tax rates in North Carolina and the U.S.
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%
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
0.81%
Median Effective United States Tax Rate
1.27%
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, 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 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.
Assessment notices:
In Onslow 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 Swansboro.
For example, the median home price in Swansboro is $262,812, with tax bills ranging significantly across the county. 28584 has the highest median home price at $262,812.
Property Tax Assessment Values Across Swansboro, Onslow County, North Carolina
Source: Ownwell
$91,858
$330,342
$568,826
Median Swansboro Market Value
$262,812
Median Onslow County Market Value
$188,238
Median North Carolina Market Value
$221,500
Median United States Market Value
$274,101
Property Tax Assessment Values Across Swansboro, Onslow County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 28584 | $101,821 | $169,829 | $262,812 | $348,758 | $452,600 |
Source: Ownwell
Property Tax Bills Across Swansboro, Onslow County, North Carolina
Property tax bills in Swansboro are based on the assessed value of a home and the local tax rate set by the county and other taxing authorities. When a property is valued, that assessment is used to calculate the bill, which means homes with higher market values generally face higher taxes.
For Swansboro homeowners, the typical property tax bill is $2,209, which is below the national median property tax bill of $2,400. With a median home price of $262,812, the amount a homeowner pays can vary depending on the assessed value of the property and any local rate changes.
Property tax bills affect monthly housing costs and can influence long-term affordability. In Swansboro, bills can range from $1,340 at the 25th percentile to $3,163 at the 75th percentile, with the 90th percentile reaching $3,804.
Median Swansboro Tax Bill
$2,209
Median Onslow County Tax Bill
$1,395
Median North Carolina Tax Bill
$1,813
Median United States Tax Bill
$3,209
Property Tax Bills Across Swansboro, Onslow County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 28584 | $726 | $1,340 | $2,209 | $3,163 | $3,804 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | May 1 |
Links | |
|---|---|
| Onslow Tax Assessor | |
| Website | property.onslowcountync.gov |