Whittier, Swain County, North Carolina Property Taxes
Median Whittier, NC effective property tax rate: 0.43%, significantly lower than the national median of 1.02%, but lower than the North Carolina state median of 0.82%.
Median Whittier, NC home value: $144,900
Median annual Whittier, NC tax bill: $640, $1,760 lower than the national median property tax bill of $2,400.
How are property taxes in Swain County calculated?
Property taxes in Whittier, 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 Whittier’s property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Whittier, knowing local tax details benefits homeowners and investors.
Last Updated March 1, 2025
Whittier, Swain County, North Carolina Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.48%
Estimate Property Tax Bill
$697
$646
Property Tax Rates Across Whittier, Swain County, North Carolina
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 Whittier’s effective property tax rate to other cities in North Carolina and the median property tax rates in North Carolina and the U.S.
In Whittier, located in Swain County, the effective property tax rate is significantly lower than the national median rate of 1.02%. This makes Whittier an attractive location for property owners seeking to minimize their tax burden. Compared to the national median property tax bill of $2400, residents here enjoy a more favorable tax environment. The consistency in rates across Swain County, with both the highest and lowest median tax rates being the same, underscores the stability and predictability of property taxes in this area. This can be particularly appealing to homeowners and investors looking for a reliable fiscal landscape.
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 Whittier Tax Rate
0.48%
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 Swain County Tax Rate
0.49%
Median Effective North Carolina Tax Rate
0.81%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Whittier, Swain County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 28789 | 0.41% | 0.45% | 0.48% | 0.54% | 0.60% |
Source: Ownwell
Property Tax Assessment Values Across Whittier, Swain County, North Carolina
When examining property taxes in Whittier, 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 Swain 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 Swain 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 Whittier. For example, the median home price in Whittier is $144,900, with tax bills ranging significantly across the county. The zip code 28789 has the highest median home price at $144,900.
Property Tax Assessment Values Across Whittier, Swain County, North Carolina
Source: Ownwell
$120,930
$272,748
$424,565
Median Whittier Market Value
$145,110
Median Swain County Market Value
$146,700
Median North Carolina Market Value
$221,500
Median United States Market Value
$235,294
Property Tax Assessment Values Across Whittier, Swain County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 28789 | $38,382 | $82,265 | $145,110 | $213,290 | $348,702 |
Source: Ownwell
Property Tax Bills Across Whittier, Swain County, North Carolina
Median Whittier Tax Bill
$713
Median Swain County Tax Bill
$738
Median North Carolina Tax Bill
$1,813
Median United States Tax Bill
$2,400
Property Tax Bills Across Whittier, Swain County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 28789 | $210 | $453 | $713 | $1,038 | $1,548 |
Source: Ownwell