North Carolina · FIPS 37043 · ACS 2020–2024
Clay County, North Carolina property tax rate
Homeowners in Clay County paid a median of $1,186 a year in real estate taxes on a median home value of $278,400 (2020–2024 survey). Taxes came to 0.46% of home value, 30% below the North Carolina rate of 0.66% and 51% below the U.S. rate of 0.94%.
- 0.46%Effective tax rate±0.15% margin · North Carolina: 0.66%
- $1,186Median tax per yearNorth Carolina: $1,896 · U.S.: $3,119
- $278,400Median home valueNorth Carolina: $288,900
- 4,125Owner-occupied homes81% of households own
Small sample. This estimate has a wide margin of error, so treat it as a rough guide.
| Measure | Clay County | North Carolina | U.S. | Clay County 2019–2023 | Change |
|---|---|---|---|---|---|
| Effective tax rate | 0.46% | 0.66% | 0.94% | 0.45% | +0.01 pts |
| Median tax, all owners | $1,186 | $1,896 | $3,119 | $1,188 | −$2 (-0.2%) |
| Median tax, with a mortgage | $1,042 | $2,115 | $3,489 | $1,138 | −$96 (-8.4%) |
| Median tax, no mortgage | $1,257 | $1,524 | $2,576 | $1,225 | +$32 (+2.6%) |
| Median home value | $278,400 | $288,900 | $332,700 | $263,300 | +$15,100 (+5.7%) |
| Total taxes paid | $7,621,000 | $6,852,746,300 | $360,573,527,500 | $6,305,900 |
How Clay County compares
- Per $1,000 of home value, owners here paid about $4.62 a year, against $6.63 statewide and $9.40 nationally.
- Homes with a mortgage: 0.53% of value; homes without one: 0.41%. Median bills: $1,042 and $1,257.
- Compared with the 2019–2023 survey, the effective rate rose (+0.01 pts) and the median tax changed −$2 (-0.2%). The two 5-year surveys share four years of responses, so year-to-year moves are small and partly noise.
- Margin of error: the effective rate is 0.46% ± 0.15% at 90% confidence, from a sample of the 4,125 owner-occupied homes.
North Carolina counties with similar rates
| County | Effective rate | Median tax | Median value |
|---|---|---|---|
| Carteret County | 0.44% | $1,423 | $333,300 |
| Cherokee County | 0.45% | $1,064 | $232,300 |
| Yancey County | 0.45% | $1,157 | $243,100 |
| Ashe County | 0.46% | $1,190 | $243,100 |
| Transylvania County | 0.46% | $1,674 | $373,600 |
| Currituck County | 0.47% | $1,760 | $378,800 |
| Madison County | 0.48% | $1,362 | $284,600 |
| McDowell County | 0.49% | $911 | $171,100 |
Sources
- U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates, table-based summary file: B25090 (aggregate real estate taxes), B25082 (aggregate home value), B25103 (median real estate taxes), B25077 (median home value) and B25003 (tenure); files dated January 29, 2026.
- U.S. Census Bureau, American Community Survey 2019–2023 5-year estimates, same tables (files dated October 31, 2024), for the comparison column.
- Geography names: Census Bureau Geos20245YR.txt (file dated January 22, 2026).
Effective rate = total real estate taxes paid by owner-occupied homes ÷ their total value, as reported by owners to the Census Bureau. It is not a millage rate. Your bill depends on your assessed value, exemptions (such as homestead) and local levies.