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Updated 2025 Tax Year

Yadkin County
Property Tax Guide

Everything you need to know about property taxes in Yadkin 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
$0.65 per $100 assessed value (base county rate), varies by municipality and districts
Exemptions
5+ Available
Section 1

How Property Tax Works

Yadkin County, North Carolina operates a property tax system that serves as the primary funding source for essential county services including public schools, law enforcement, fire protection, road maintenance, and other local government operations. Property taxes are levied annually based on the assessed value of real estate and personal property within the county, with funds supporting both county-wide services and local municipalities.

The property tax system in Yadkin County uses an assessed value approach where properties are evaluated by the county tax assessor and taxed at the current levy rate. For the FY 2025-2026 budget year, the base county-wide tax rate is $0.65 per $100 of assessed value. However, your actual tax rate may vary depending on your specific location within the county, as additional special taxing districts, municipal taxes, and special assessments may apply to properties in certain areas. Property owners should be aware that various tax credits are available to qualifying residents, though these require separate applications and are not automatically applied.

Section 2

What Makes Up Your Tax Bill

ComponentRate per $100Description
County Base Rate$0.65County-wide services (FY 2025-2026)
Municipal TaxesVariesAdditional rates for incorporated areas
Special DistrictsVariesFire districts, water/sewer districts
School BondsVariesDebt service for school construction
Supplemental Levy$0.20**If approved by voters

Note: The FY 2025-2026 rates shown above apply to the tax year beginning July 1, 2024 and ending June 30, 2025. Actual tax rates vary significantly by location within Yadkin County due to municipal boundaries and special taxing districts. Properties within incorporated towns or cities will have additional municipal tax rates applied. Special service districts for fire protection, water, sewer, or other services may also add to your total tax rate. Contact the Yadkin County Tax Department for your specific location's complete tax rate.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Yadkin 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 Yadkin County are additional property tax assessments that may be triggered by specific circumstances or voter-approved initiatives. The most common supplemental tax scenario occurs when voters approve additional levies for specific purposes, such as the potential $0.20 per $100 of assessed value supplemental tax referenced in county documentation. This type of supplemental tax requires voter approval and would be added to the base county tax rate.

Supplemental taxes may also be triggered by property improvements, ownership changes, or new construction that occurs after the standard assessment date but before the end of the tax year. When property improvements are completed, the tax assessor may issue a supplemental bill covering the increased assessed value for the remaining portion of the tax year. For example, if you complete a $50,000 home addition in January and your total tax rate is $0.65 per $100, you would owe approximately $325 in supplemental taxes for the remaining months of that tax year, calculated based on the improvement's assessed value and prorated for the time remaining in the fiscal year.

Example Calculation

Example 1 - $300,000 Home:

  • Assessed Value: $300,000
  • Elderly/Disabled Homestead Credit: -$25,000 (if qualified and applied)
  • Net Taxable Value: $275,000
  • Tax Rate: $0.65 per $100
  • Annual Tax: $1,787.50
  • Monthly (if escrowed): $149.00

Example 2 - $600,000 Home:

  • Assessed Value: $600,000
  • Disabled Veteran Credit: -$45,000 (if qualified and applied)
  • Net Taxable Value: $555,000
  • Tax Rate: $0.65 per $100
  • Annual Tax: $3,607.50
  • Monthly (if escrowed): $300.63

Example 3 - $1,000,000 Home:

  • Assessed Value: $1,000,000
  • Circuit Breaker Credit: -$15,000 (if qualified and applied)
  • Net Taxable Value: $985,000
  • Tax Rate: $0.65 per $100
  • Annual Tax: $6,402.50
  • Monthly (if escrowed): $533.54

Note: All tax credits shown require separate applications using Form AV-9 and are not automatically applied. Credits shown are estimates and actual amounts depend on individual circumstances and qualification requirements.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Yadkin County require property tax escrow accounts for borrowers with less than 20% down payment or those who choose this option for convenience. Your lender collects monthly property tax payments along with your mortgage payment and holds these funds in an escrow account. The lender then pays your property taxes directly to Yadkin County when they become due, typically in early fall for the current tax year.

Lenders are required to conduct annual escrow analyses to ensure adequate funds are collected. If property taxes increase due to assessment changes or rate increases, your monthly escrow payment will be adjusted accordingly. You'll receive an annual escrow statement showing all deposits, payments, and any shortage or surplus. Property owners are responsible for verifying that their lender pays taxes on time, as the property owner remains ultimately liable for any unpaid taxes. If you don't have an escrow account, you'll receive tax bills directly from Yadkin County and are responsible for making payments by the due dates to avoid penalties and interest charges.

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 Yadkin County for the current fiscal year? A: Property tax bills for FY 2025-2026 are typically mailed in late summer and due in early fall. Contact the Yadkin County Tax Department for specific due dates, as payment timing can vary.

Q: What tax credits are available and do I need to apply? A: Yadkin County offers several tax credits including Elderly/Disabled Homestead, Disabled Veteran, and Circuit Breaker credits. All credits require annual application using Form AV-9 and are NOT automatically applied to your property.

Q: How does the Homestead credit work? A: The Homestead credit limits annual assessment increases rather than reducing market value. Qualifying elderly or disabled homeowners can cap assessment growth, but must file an application to receive this benefit.

Q: When is the property listing deadline? A: Personal property must be listed between January 1 and January 31 each year. Forms must be filed with the Yadkin County Tax Department by January 31.

Q: How often are properties reassessed in Yadkin County? A: North Carolina requires counties to conduct general reappraisals every 8 years, with some counties choosing more frequent reassessments. Contact the tax assessor's office for Yadkin County's current reassessment schedule.

Q: What happens if I pay my property taxes late? A: Late payments are subject to interest charges and penalties. Interest typically begins accruing after the due date, and additional penalties may apply for extended delinquency.

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

Q: How do special district taxes work? A: Properties located within special service districts (fire, water, sewer) pay additional taxes beyond the base county rate. Your total tax rate depends on which districts serve your specific location within Yadkin County.

Verified Sources

Backed by 10 Official Government Sources

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

01
Budget Ordinance Fiscal Year 2024-2025yadkincountync.gov
02
Budget Ordinance Fiscal Year 2025-2026yadkincountync.gov
03
FY2025-2026 recommended budgetyadkincountync.gov
04
(X-YCG.0002.13) Business Personal Property Listing.qxpyadkincountync.gov
05
County
Business Listing | Yadkin County, NC - Official Websiteyadkincountync.gov
06
County
Yadkin County, NC - Official Websiteyadkincountync.gov
07
County
Central Permitting | Yadkin County, NC - Official Websiteyadkincountync.gov
08
Tax Doc
Property Tax - Formsncdor.gov
09
Chapter 111 ZONING [1]yadkincountync.gov
10
S.L. 1965-922ncleg.gov
All sources verified as of 2025 Tax Year

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