Property Taxes in Cleveland, North Carolina
Median Cleveland, North Carolina effective property tax rate: 0.67%, significantly lower than the national median of 1.02%, and lower than the North Carolina state median of 0.81%.
Median Cleveland, North Carolina home value: $164,493
Median annual Cleveland, North Carolina tax bill: $1,486, lower than the national median property tax bill of $2,400.
How are property taxes in Rowan calculated?
Property taxes in Cleveland, 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 Cleveland's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Cleveland, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Cleveland Property Tax Calculator Work?
Use this Cleveland property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Cleveland's median effective tax rate of 0.67% — based on actual property records in Rowan 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 Cleveland'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 Cleveland: rates range from 0.67% in 27013 to 0.67% in 27013, 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 Cleveland.
About Cleveland Property Taxes
About Property Taxes in Cleveland, Rowan, North Carolina
Cleveland’s median effective property tax rate of 0.67% is lower than the North Carolina state median of 0.81% and lower than the national median of 1.02%. This rate reflects the Rowan County base levy combined with local levies that can vary by subdivision throughout the city.
Property tax rates are not uniform across Cleveland. Homeowners in the 27013 ZIP code carry a median effective rate of 0.67%, while those in the lowest ZIP code also pay 0.67%. Understanding where you live in Cleveland can still help you better estimate your annual tax bill.
Cleveland homeowners who believe their assessed value is too high can file a formal appeal with the Rowan County Tax Assessor before the May 4, 2026 deadline each year.
If your estimated bill 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 Cleveland, Rowan 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 Cleveland'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 Cleveland Tax Rate
0.67%
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 Rowan 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 Cleveland, Rowan County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 27013 | 0.66% | 0.67% | 0.67% | 0.88% | 0.88% |
Source: Ownwell
Property Tax Assessment Values Across Cleveland, Rowan County, North Carolina
When examining property taxes in Cleveland, 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. Rowan County 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 Rowan County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of the month.
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 Cleveland.
For example, the median home price in Cleveland is $164,493, with tax bills ranging significantly across the county. 27013 has the highest median home price at $164,493.
Property Tax Assessment Values Across Cleveland, Rowan County, North Carolina
Source: Ownwell
$133,810
$404,798
$675,786
Median Cleveland Market Value
$164,493
Median Rowan County Market Value
$188,788
Median North Carolina Market Value
$221,500
Median United States Market Value
$274,101
Property Tax Assessment Values Across Cleveland, Rowan County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 27013 | $39,431 | $96,477 | $164,493 | $270,442 | $419,011 |
Source: Ownwell
Property Tax Bills Across Cleveland, Rowan County, North Carolina
Property tax bills in Cleveland are based on the assessed value of a home, which is then multiplied by the local tax rate. For homeowners in Rowan County, the bill reflects both the market value of the property and the tax rates set by local governments, so two homes with similar prices can still have different tax bills depending on their location and assessment details.
With a median home price of $164,493, Cleveland homeowners often see property tax bills that vary widely. The 25th percentile tax bill is $854, while the 75th percentile is $2,174 and the 90th percentile reaches $2,923. The median tax bill in ZIP code 27013 is $1,486, which is also the lowest median tax bill reported for the city.
These bills can affect monthly housing costs and long-term affordability, especially when assessed values rise faster than a homeowner expects. Understanding how the assessment and local tax rate work is key to knowing whether a property tax bill is accurate.
Median Cleveland Tax Bill
$1,486
Median Rowan County Tax Bill
$1,644
Median North Carolina Tax Bill
$1,813
Median United States Tax Bill
$3,209
Property Tax Bills Across Cleveland, Rowan County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 27013 | $432 | $854 | $1,486 | $2,174 | $2,923 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | May 4 |
Links | |
|---|---|
| Rowan Tax Assessor | |
| Website | tax.rowancountync.gov |