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Updated 2025 Tax Year

Richmond County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
0.5760% base rate (57.60 cents per $100), varies by special districts and municipal boundaries
Exemptions
4+ Available
Section 1

How Property Tax Works

Richmond County, North Carolina operates under a property tax system that funds essential county services including schools, public safety, infrastructure, and local government operations. For the 2025 tax year, the county maintains a base property tax rate of 0.5760% (57.60 cents per $100 of assessed value), which is below the state average of approximately 1%. Property assessments are conducted periodically to reflect current market values, with no assessment cap limiting year-over-year increases in assessed value.

It's important to note that actual property tax rates vary by location within Richmond County due to special taxing districts, municipal boundaries, and additional assessments for services like fire districts or municipal services. Property owners should verify their specific tax rate based on their exact location, as municipal areas may have additional tax levies beyond the county rate. The county uses these tax revenues to provide core services while maintaining one of the more competitive tax rates in the region.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $100)Description
County Base Rate$0.5760General county operations, schools, public safety
Municipal RatesVariesAdditional rates for incorporated areas (check local municipality)
Fire DistrictsVariesSpecial assessments for rural fire protection districts
Total Effective Rate$0.5760+Base rate plus applicable district/municipal rates

Rates shown are for Fiscal Year 2025-2026. Actual rates vary significantly by location within Richmond County depending on municipal boundaries and special taxing districts. Property owners should contact the Richmond County Tax Department or their municipal tax office to confirm their specific combined tax rate.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Richmond 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 tax assessments in Richmond County are triggered by changes in property ownership, new construction, or significant improvements that increase a property's assessed value during the tax year. When these events occur, the county assesses the difference between the old and new property values and applies the current tax rate to calculate additional taxes owed.

For example, if you purchase a home in Richmond County and the new assessment is $50,000 higher than the previous assessment, you would owe supplemental taxes on that $50,000 difference. At the county rate of 0.5760%, this would result in $288 in additional annual taxes ($50,000 ÷ 100 × $0.5760), prorated from the date of ownership change through the end of the fiscal year. These supplemental bills are typically issued within 30-60 days of the triggering event and have separate due dates from regular property tax installments.

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Less: Homestead Credit (if qualified): varies
  • Net Taxable Value: $300,000
  • Annual Tax: $300,000 ÷ 100 × $0.5760 = $1,728
  • Monthly Escrow: $144

Example 2: $600,000 Home

  • Assessed Value: $600,000
  • Less: Elderly/Disabled Credit (if qualified): varies
  • Net Taxable Value: $600,000
  • Annual Tax: $600,000 ÷ 100 × $0.5760 = $3,456
  • Monthly Escrow: $288

Example 3: $1,000,000 Home

  • Assessed Value: $1,000,000
  • Less: Applicable Credits (if qualified): varies
  • Net Taxable Value: $1,000,000
  • Annual Tax: $1,000,000 ÷ 100 × $0.5760 = $5,760
  • Monthly Escrow: $480

Note: Tax credits require separate applications and are not automatic. Credits reduce your tax bill, not your assessed value. Contact Richmond County Tax Department for current credit amounts and application requirements.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Richmond County require property tax escrow accounts to ensure timely payment of property taxes. Your lender collects monthly escrow payments along with your mortgage payment, then pays your property taxes directly to Richmond County when they become due. The monthly escrow amount is calculated by dividing your annual property tax bill by 12, often with an additional cushion as required by federal law.

Richmond County property taxes are due in two installments: April 15th and October 15th for the 2026 tax year. Your lender will typically pay each installment on or before these due dates. You should receive annual escrow statements from your lender showing the account activity and any adjustments to your monthly payment. If your property taxes increase due to reassessment or rate changes, your lender may require an escrow shortage payment or increase your monthly escrow collection to cover the higher taxes.

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 Richmond County property taxes due? A: For tax year 2026, property taxes are due in two installments: April 15, 2026, and October 15, 2026.

Q: What tax credits are available and do I need to apply? A: Richmond County offers several tax credits including Elderly/Disabled Homestead Credit, Disabled Veteran Credit, and Circuit Breaker Credit. All credits require separate applications using form AV-9 and are not automatically applied to your tax bill.

Q: How does the Homestead Credit work? A: The Homestead Credit doesn't reduce your home's market value but limits how much your assessed value can increase year-over-year for qualifying elderly or disabled homeowners. You must apply annually using form AV-9.

Q: How often does Richmond County reassess properties? A: Richmond County conducts countywide property reassessments periodically. Contact the Richmond County Tax Assessor's office for the current reassessment schedule and appeal process information.

Q: What are the penalties for late payment? A: Late payments incur interest charges and penalties as specified by North Carolina state law. Contact Richmond County Tax Department for current penalty rates and payment options.

Q: Can I pay my property taxes online? A: Contact Richmond County Tax Department directly or visit their official website to confirm available online payment options and accepted payment methods.

Q: Why is my tax rate different from my neighbor's? A: Tax rates vary within Richmond County based on your location, municipal boundaries, and special taxing districts such as fire districts. Your total rate includes county taxes plus any applicable municipal or district taxes.

Q: What if I disagree with my property assessment? A: Property owners have the right to appeal their assessment. Contact the Richmond County Tax Assessor's office for appeal procedures, deadlines, and required documentation for challenging your property's assessed value.

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