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Updated 2025 Tax Year

Harnett County
Property Tax Guide

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

10 Official Sources
8 min read
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Quick Facts
Tax Rate
Varies by location within county due to special taxing districts and municipal taxes
Exemptions
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Section 1

How Property Tax Works

Harnett County, North Carolina operates on a property tax system that serves as the primary funding mechanism for essential county services, including public schools, law enforcement, fire protection, and infrastructure maintenance. Property owners in Harnett County are subject to an annual property tax based on the assessed value of their real estate and personal property. The county conducts property revaluations periodically, with the next scheduled revaluation set for 2027.

The effective property tax rate in Harnett County varies depending on your specific location within the county due to special taxing districts, municipal taxes, and additional assessments for services like fire districts or municipal services. While the base county rate provides a foundation, property owners may face additional levies depending on whether they reside within incorporated municipalities or special service districts. It's important to understand that your total property tax bill reflects the combination of these various taxing authorities within your specific location.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $100)Description
Base County Rate$0.4940FY 2025-2026 base property tax levy
School DistrictsVariesAdditional assessments for local school funding
Municipal TaxesVaries by cityApplied if property is within city limits
Fire DistrictsVaries by districtSpecial assessments for fire protection services
Special DistrictsVaries by locationAdditional levies for specific services or improvements

Note: The $0.4940 rate represents the scheduled base county rate for FY 2025-2026. Your actual total tax rate will depend on your property's location within Harnett County and which special taxing districts apply to your area. Contact the Harnett County Tax Assessor's office to determine the complete tax rate structure for your specific property location.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Harnett 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 property taxes in Harnett County are additional tax assessments that occur when there are changes to property ownership, improvements, or new construction after the regular assessment date. These taxes ensure that property tax obligations are properly allocated throughout the tax year rather than waiting for the next regular billing cycle.

Common triggers for supplemental taxes include: purchasing a home, completing new construction or major renovations, adding structures like pools or decks, or making significant improvements that increase property value. The supplemental tax is calculated by determining the difference between the old and new assessed values, applying the current tax rate, and prorating the amount based on the remaining months in the tax year. For example, if you complete a $50,000 home addition in March and the tax rate is $0.4940 per $100, you would owe approximately $247 in supplemental taxes ($50,000 ÷ 100 × $0.4940) prorated for the remaining months of the fiscal year.

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Applicable Tax Rate: $0.4940 per $100
  • Annual Tax: $1,482 ($300,000 ÷ 100 × $0.4940)
  • Monthly Escrow: $123.50

Example 2: $600,000 Home with Elderly/Disabled Credit

  • Assessed Value: $600,000
  • Elderly/Disabled Credit Applied: -$50,000 (example credit, requires application)
  • Net Taxable Value: $550,000
  • Annual Tax: $2,717 ($550,000 ÷ 100 × $0.4940)
  • Monthly Escrow: $226.42

Example 3: $1,000,000 Home with Veterans Credit

  • Assessed Value: $1,000,000
  • Disabled Veterans Credit Applied: -$45,000 (example credit, requires application)
  • Net Taxable Value: $955,000
  • Annual Tax: $4,717.70 ($955,000 ÷ 100 × $0.4940)
  • Monthly Escrow: $393.14

Note: All tax credits require proper application and approval. Rates shown reflect base county rate only and do not include potential municipal or special district taxes.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Harnett County require property tax escrow accounts to ensure timely payment of property taxes. Your lender collects monthly escrow payments along with your mortgage payment and holds these funds to pay your property taxes when they become due. The escrow amount is calculated by dividing your annual property tax bill by 12 months, often with a small buffer to account for potential increases.

Property taxes in Harnett County are typically due in two installments: the first installment is generally due in October, and the second installment is due in January. Your lender will pay these installments directly to the county from your escrow account. It's important to verify that your lender has the correct tax amount, as property value changes, rate adjustments, or applied credits can affect your annual bill. You should receive an annual escrow analysis from your lender showing the projected taxes for the coming year and any adjustments to your monthly escrow payment.

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Section 6

Frequently Asked Questions

Q: When are Harnett County property taxes due for FY 2025-2026? A: Property taxes are typically due in two installments - the first installment is generally due in October 2025, and the second installment is due in January 2026. Check with the Harnett County Tax Collector for exact dates.

Q: What tax credits are available and do they require application? A: Harnett County offers several tax credits including elderly/disabled credits, disabled veteran credits, and circuit breaker credits. All credits require formal application using forms like AV-9 and are NOT automatically applied. Contact the county assessor's office for specific eligibility requirements and application deadlines.

Q: How does the Homestead credit work? A: The Homestead credit limits annual assessment increases rather than reducing market value. This credit caps how much your property's assessed value can increase each year for tax purposes. You must file an application to receive this benefit - it is not automatic.

Q: When does Harnett County conduct property revaluations? A: Harnett County's next scheduled countywide property revaluation is in 2027. During revaluation years, all properties are reassessed to reflect current market values.

Q: What are the penalties for late property tax payments? A: Late payments typically incur interest and penalty charges. Contact the Harnett County Tax Collector for current penalty rates and specific late payment policies.

Q: Can I pay my property taxes online? A: Check the Harnett County website or contact the Tax Collector's office for available online payment options and accepted payment methods.

Q: How do I appeal my property assessment? A: Property owners can appeal their assessments by filing an appeal with the Harnett County Board of Equalization and Review during the designated appeal period, typically following revaluation notices.

Q: Do special districts affect my tax rate? A: Yes, your location within Harnett County determines which special districts apply to your property. These may include fire districts, municipal taxes, or other special assessments that are added to the base county rate.

Verified Sources

Backed by 10 Official Government Sources

Every fact in this guide is sourced from official county, state, and federal documents.

01
County
Next County 2024-25 2023-24 2022-23 2021-22 2020-21ncdor.gov
02
County
2024-2025 County Tax Rates Final.xlsxncdor.gov
03
County
Next County 2023-24 2022-23 2021-22 2020-21 2019-20 ...ncdor.gov
04
County
County Property Tax Rates and Reappraisal Schedulesncdor.gov
05
Tax Doc
Property Tax | NCDORncdor.gov
06
Tax Doc
Application for Property Tax Reliefncdor.gov
07
Tax Doc
APPLICATION FOR PROPERTY TAX EXEMPTION OR ...ncdor.gov
08
HOUSING 2024 2025milvets.nc.gov
09
S.L. 1971-806ftp.legislature.state.nc.us
10
Tax Doc
Property Tax - Formsncdor.gov
All sources verified as of 2025 Tax Year

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