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Updated 2025 Tax Year

Cabarrus County
Property Tax Guide

Everything you need to know about property taxes in Cabarrus County, NC. Rates, due dates, exemptions, and how it affects your monthly payment.

10 Official Sources
8 min read
Quick Facts
Tax Rate
57.6¢ per $100 assessed value base rate, varies by district with additional special taxing districts
Exemptions
5+ Available
Section 1

How Property Tax Works

Cabarrus County, North Carolina operates on a property tax system that serves as the primary funding source for essential county services, including public schools, emergency services, infrastructure maintenance, and general government operations. Property owners pay taxes based on their property's assessed value, which is determined through periodic county-wide revaluations.

The current property tax rate for fiscal year 2025-2026 is 57.6 cents per $100 of assessed value, remaining unchanged from the previous year. However, your actual tax rate may vary depending on your location within Cabarrus County, as additional special taxing districts for services like fire protection, water and sewer, or municipal services may apply supplemental rates. These combined rates typically result in effective tax rates ranging from approximately 0.58% to 0.75% of assessed value, depending on your specific district assessments.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $100)Description
Base County Rate$0.576General county operations, schools, and services
Fire DistrictVariesAdditional rate for fire protection services (if applicable)
Municipal ServicesVariesAdditional rate for incorporated areas
Water/Sewer DistrictVariesAdditional rate for utility districts (if applicable)
Special AssessmentsVariesProject-specific rates for bonds or improvements

Fiscal Year: These rates apply to FY 2025-2026. The base rate of 57.6 cents per $100 of assessed value has been maintained from the previous fiscal year. Property owners should verify their specific total rate with the Cabarrus County Tax Office, as rates vary significantly by location within the county depending on which special taxing districts serve their property.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Cabarrus County, property taxes are due in two installments:

Pro tip: If you pay through mortgage escrow, your lender splits these payments across your monthly mortgage. If you pay directly, set calendar reminders to avoid late penalties.
Section 4

Supplemental Tax Bills

Supplemental taxes are additional property tax bills issued when there are mid-year changes to property ownership, value, or classification that affect the annual tax liability. Common triggers include new construction completion, property transfers, business personal property additions, or assessment corrections discovered after the original tax bill was issued.

Supplemental taxes are calculated by determining the difference between the original assessment and the new assessment, then applying the applicable tax rate for the remaining portion of the fiscal year. For example, if a $50,000 home addition is completed and assessed in February (5 months remaining in the fiscal year), the supplemental tax would be calculated as: ($50,000 ÷ 100) × $0.576 × (5/12 months) = $120. Property owners must file supplemental business personal property forms when acquiring new business assets during the tax year, and these supplemental bills are issued separately from the annual September 1 property tax bills.

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Homestead Credit Applied: $25,000 (example - requires application)
  • Net Taxable Value: $275,000
  • Annual Tax: ($275,000 ÷ 100) × $0.576 = $1,584
  • Monthly Escrow: $132

Example 2: $600,000 Home

  • Assessed Value: $600,000
  • Homestead Credit Applied: $25,000 (example - requires application)
  • Net Taxable Value: $575,000
  • Annual Tax: ($575,000 ÷ 100) × $0.576 = $3,312
  • Monthly Escrow: $276

Example 3: $1,000,000 Home

  • Assessed Value: $1,000,000
  • Senior/Disabled Credit Applied: $50,000 (example - requires application and qualification)
  • Net Taxable Value: $950,000
  • Annual Tax: ($950,000 ÷ 100) × $0.576 = $5,472
  • Monthly Escrow: $456

Note: All credits shown require separate applications filed with the Revaluation Department during the January listing period. Rates shown reflect base county rate only - additional special district taxes may apply.

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Section 5

Escrow & Property Taxes

Most mortgage lenders require property tax escrow accounts for borrowers with less than 20% down payment, though some lenders may require escrow regardless of down payment amount. Your lender collects monthly property tax payments along with your mortgage payment, deposits these funds into an escrow account, and pays your property taxes directly to Cabarrus County when due on September 1st.

Lenders typically conduct annual escrow analyses to ensure adequate funds are collected, as property tax amounts can change due to assessment increases, rate changes, or modifications in special district taxes. If your escrow account has a shortage, your lender may increase monthly payments or require a lump-sum payment to bring the account current. Property owners should verify that their lender has paid taxes on time by checking with the Cabarrus County Tax Office, as late payment penalties will be assessed to the property owner regardless of lender payment delays. You can typically find your annual escrow disclosure statement detailing tax payments in your mortgage servicer's online portal or annual mailing.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
  • See how rising taxes will change your monthly payment
  • Plan ahead instead of being surprised by "shortage" letters
Section 6

Frequently Asked Questions

Q: When are Cabarrus County property taxes due for FY 2025-2026? A: Property taxes are due September 1st and become delinquent if not paid by January 5th. The last day to pay without interest charges is January 6th.

Q: What tax credits are available and how do I apply? A: Available tax credits may include homestead, senior, disabled, and veteran credits that reduce your tax bill. All credits require separate applications filed with the Revaluation Department during the regular listing period each January. Contact the Tax Assessor's office for specific eligibility requirements and application forms.

Q: How does the Homestead credit work? A: The Homestead credit typically caps annual assessment increases rather than reducing market value directly. This limits how much your assessed value can increase each year, providing tax relief over time. You must file an application during the January listing period, and the credit is not automatic.

Q: How often are properties reassessed in Cabarrus County? A: Cabarrus County conducts county-wide revaluations periodically. Property owners receive assessment notices and have the right to appeal their assessed value through the Board of Equalization and Review process if they believe the assessment is incorrect.

Q: What are the penalties for late property tax payments? A: Properties become delinquent after January 5th and accrue interest and penalties. Additional collection costs may apply for severely delinquent accounts, and properties may eventually face tax foreclosure proceedings.

Q: Can I pay property taxes online? A: Yes, Cabarrus County typically offers online payment options through their official website. Contact the Tax Collector's office for current online payment methods, accepted payment types, and any associated processing fees.

Q: Why is my tax rate different from my neighbor's? A: Tax rates vary by location within Cabarrus County due to special taxing districts. Properties may be subject to different combinations of fire district taxes, municipal taxes, water/sewer district taxes, or special assessment districts depending on their specific location and services received.

Q: How do I apply for property tax exemptions or credits? A: Applications must be filed with the Revaluation Department at 65 Church Street during the regular listing period each January. Contact their office for specific forms, eligibility requirements, and required documentation for available relief programs.

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