Kelly, Pender County, North Carolina Property Taxes
Property Taxes in Kelly, North Carolina
Median Kelly, North Carolina effective property tax rate: 1.05%, significantly higher than the national median of 1.02%, and higher than the North Carolina state median of 0.81%.
Median Kelly, North Carolina home value: $117,856
Median annual Kelly, North Carolina tax bill: $1,244, $1,156 lower than the national median property tax bill of $2,400.
How are property taxes in Pender calculated?
Property taxes in Kelly, 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 Kelly's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Kelly, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Kelly, Pender County, North Carolina Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.05%
Estimate Property Tax Bill
$1,237
$1,148
How Does the Kelly Property Tax Calculator Work?
Use this Kelly property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Kelly's median effective tax rate of 1.05% — based on actual property records in Pender 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 Kelly's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Kelly's tax rate is higher than North Carolina's 0.81% median, but the city's median property tax bill of $1,244 is $1,156 lower than the state median bill. Your bill may vary by ZIP code within Kelly, with 28448 showing both the highest and lowest median tax bill at $1,244.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Kelly.
About Kelly Property Taxes
About Property Taxes in Kelly, Pender, North Carolina
Kelly’s median effective property tax rate of 1.05% is higher than the North Carolina state median of 0.81% and lower than the national median of 1.02%. This rate reflects the Pender 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 Kelly. Homeowners in ZIP code 28448 carry a median effective rate of 1.05%, while those in 28448 pay 1.05%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Pender County. Understanding which part of Kelly you live in can make a meaningful difference to your annual tax bill.
Kelly 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 Kelly, Pender 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 Kelly'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 Kelly Tax Rate
1.05%
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 Pender County Tax Rate
0.99%
Median Effective North Carolina Tax Rate
0.81%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Kelly, Pender County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 28448 | 0.91% | 0.95% | 1.05% | 1.16% | 1.38% |
Source: Ownwell
Property Tax Assessment Values Across Kelly, Pender County, North Carolina
When examining property taxes in Kelly, 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 Pender County tax office 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 Pender 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. For example, the median home price in Kelly is $117,856, with tax bills ranging significantly across the county. ZIP code 28448 has the highest median home price at $117,856.
Property Tax Assessment Values Across Kelly, Pender County, North Carolina
Source: Ownwell
$75,914
$246,800
$417,686
Median Kelly Market Value
$117,856
Median Pender County Market Value
$192,718
Median North Carolina Market Value
$221,500
Median United States Market Value
$235,294
Property Tax Assessment Values Across Kelly, Pender County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 28448 | $35,830 | $52,098 | $117,856 | $170,863 | $268,351 |
Source: Ownwell
Property Tax Bills Across Kelly, Pender County, North Carolina
Property tax bills in Kelly are calculated from a home’s assessed value and the local tax rate set by Pender County and other taxing authorities. The assessed value is based on the market value of the property, and that figure is multiplied by the applicable tax rate to determine the bill. For homeowners, this means that changes in market conditions can affect what they owe even if nothing changes about the home itself.
In Kelly, the median home price is $117,856, and the median property tax bill is $1,244 in ZIP code 28448. That is below the national median property tax bill of $2,400 and also below the national median property tax rate of 1.02%. Bills can vary widely, with the 25th percentile at $656 and the 75th percentile at $1,906, while the 90th percentile reaches $3,037. For homeowners, that range shows how property taxes can differ based on assessed value and local rates.
Median Kelly Tax Bill
$1,244
Median Pender County Tax Bill
$1,897
Median North Carolina Tax Bill
$1,813
Median United States Tax Bill
$2,400
Property Tax Bills Across Kelly, Pender County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 28448 | $434 | $656 | $1,244 | $1,906 | $3,037 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | May 15 |
Links | |
|---|---|
| Pender Tax Assessor | |
| Website | tax.pendercountync.gov |