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Updated 2025 Tax Year

Pamlico County
Property Tax Guide

Everything you need to know about property taxes in Pamlico 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
0.645% base county rate; varies by municipality (up to 0.915% in Bayboro)
Exemptions
4+ Available
Section 1

How Property Tax Works

Pamlico County's property tax system is the primary funding mechanism for essential county services including public safety, road maintenance, schools, and local government operations. Property taxes are administered by the Pamlico County Tax Office and based on the assessed value of real estate and personal property as determined by the county assessor.

For the 2025 tax year, property owners in Pamlico County face a base county tax rate of 0.645% of assessed value. However, your actual tax rate may be higher depending on your location within the county due to additional municipal taxes and special taxing districts. For example, properties within Bayboro town limits are subject to an additional municipal tax rate of 0.27%, bringing the combined rate to 0.915%. Effective tax rates typically range from 0.645% to over 0.9% depending on the specific taxing jurisdictions that apply to your property location.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $100)Description
Pamlico County Base$0.645Funds county services, schools, public safety
Bayboro Municipal$0.270Additional tax for properties within Bayboro town limits

Levy Year: These rates apply to the 2025 tax year (taxes due January 2026).

Special District Variations: Property tax rates vary significantly by location within Pamlico County. Properties outside municipal boundaries pay only the base county rate of 0.645%, while properties within Bayboro pay the combined rate of 0.915%. Additional special assessment districts may apply to certain areas for services like fire protection, lighting, or drainage, which would increase your total tax rate beyond the base amounts shown.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Pamlico 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 in Pamlico County are additional property tax bills issued when there are changes to property ownership, value, or use that occur after the regular assessment date but before the end of the tax year. Common triggers include new construction completion, property sales that trigger reassessment, additions or improvements to existing structures, and changes in property use classification.

The supplemental tax is calculated as the difference between the new assessed value and the previous assessed value, multiplied by the applicable tax rate, prorated for the remaining months in the tax year. For example, if a $100,000 home improvement is completed in July and increases your assessed value, you would owe supplemental taxes on that $100,000 increase at the 0.645% county rate (plus any municipal rates) for the remaining 6 months of the tax year, resulting in approximately $322.50 in supplemental taxes ($100,000 × 0.645% × 6/12 months).

Example Calculation

Example 1: $300,000 Home (County Only)

  • Assessed Value: $300,000
  • Tax Rate: 0.645%
  • Annual Tax: $1,935
  • Monthly (if escrowed): $161.25

Example 2: $600,000 Home (Bayboro Municipality)

  • Assessed Value: $600,000
  • Combined Tax Rate: 0.915% (0.645% county + 0.270% municipal)
  • Annual Tax: $5,490
  • Monthly (if escrowed): $457.50

Example 3: $1,000,000 Property (County Only with Homestead Credit)

  • Assessed Value: $1,000,000
  • Homestead Credit Benefit: Limits annual assessment increases to protect against rapid value growth
  • Tax Rate: 0.645%
  • Annual Tax: $6,450 (assuming no current-year credit reduction)
  • Monthly (if escrowed): $537.50

Note: Tax credits require separate application and are not automatically applied. Contact the Pamlico County Tax Office for specific credit applications and eligibility requirements.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Pamlico County require property tax escrow accounts for borrowers with less than 20% down payment. Your lender collects monthly property tax payments along with your mortgage payment and deposits them into an escrow account. The lender then pays your property taxes directly to Pamlico County when they become due on January 5th.

Lenders typically collect 1/12 of your annual tax bill each month, plus an additional cushion amount (usually 2-3 months) to ensure adequate funds are available. Your lender will provide an annual escrow analysis showing how your payments were used and any adjustments needed for the following year. Property owners should verify that their lender has paid taxes on time and in full, as the property owner remains ultimately responsible for ensuring taxes are paid even when using an escrow account.

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 property taxes due in Pamlico County? A: Property taxes are due by January 5th without interest. After January 5th, interest and penalties begin accruing on unpaid balances.

Q: What tax credits are available and how do I apply? A: Various tax credits may be available including homestead credits for eligible homeowners. All credits require separate application and are not automatically applied. Contact the Pamlico County Tax Office for current credit programs, eligibility requirements, and application forms.

Q: How does the homestead credit work? A: The homestead credit limits annual increases in assessed value for qualifying owner-occupied homes, providing protection against rapid property value appreciation. This credit caps assessment growth rather than reducing market value, and requires filing an application with supporting documentation.

Q: How often are properties reassessed in Pamlico County? A: North Carolina requires county-wide revaluations every 8 years, with Pamlico County conducting periodic updates. Property owners receive notice of assessment changes and have appeal rights through the Board of Equalization and Review process.

Q: What are the penalties for late payment? A: Interest begins accruing on unpaid taxes after January 5th. Additional penalties and collection costs may apply to delinquent accounts, and unpaid taxes can result in tax lien foreclosure proceedings.

Q: Can I pay my property taxes online? A: Yes, Pamlico County offers online tax payment options. Check the county's official website or contact the Tax Office for current online payment systems and accepted methods.

Q: Why is my tax rate different from my neighbor's? A: Tax rates vary by location within Pamlico County based on municipal boundaries and special taxing districts. Properties within Bayboro pay additional municipal taxes, while county-only properties pay just the base rate.

Q: When is the listing period and what does it mean? A: The listing period ends January 31st annually. This is when property owners must report taxable personal property and any changes to real property to ensure proper assessment for the upcoming tax year.

Verified Sources

Backed by 10 Official Government Sources

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

01
Tax Doc
Tax Ratespamlicocountync.gov
02
County
2025-2026 County Tax Rates Final.xlsxncdor.gov
03
County
Next County 2024-25 2023-24 2022-23 2021-22 2020-21ncdor.gov
04
Tax Doc
Taxpamlicocountync.gov
05
County
County Property Tax Rates and Reappraisal Schedulesncdor.gov
06
Tax Doc
About The Tax Officepamlicocountync.gov
07
TIER I ENVIRONMENTAL REVIEW RECORD PAMLICO ...files.nc.gov
08
Tax Doc
AV-10 Application for Property Tax Exemption or Exclusionncdor.gov
09
County
Land use plan, Pamlico County, North Carolinagovinfo.gov
10
County
Pamlico County Joint CAMA Land Use Plan Updateconnect.ncdot.gov
All sources verified as of 2025 Tax Year

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