Locust, Cabarrus County, North Carolina Property Taxes
Property Taxes in Locust, North Carolina
Median Locust, North Carolina effective property tax rate: 1.06%, significantly higher than the national median of 1.02%, and higher than the North Carolina state median of 0.81%.
Median Locust, North Carolina home value: $332,870
Median annual Locust, North Carolina tax bill: $3,530, $1,130 higher than the national median property tax bill of $2,400.
How are property taxes in Cabarrus calculated?
Property taxes in Locust, North Carolina are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.
Understanding Locust's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Locust, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Locust, Cabarrus County, North Carolina Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.06%
Estimate Property Tax Bill
$3,528
$3,274
How Does the Locust Property Tax Calculator Work?
Use this Locust property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Locust's median effective tax rate of 1.06% — based on actual property records in Cabarrus County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Locust's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Your bill may vary by ZIP code within Locust: rates range from 3530.00 in 28097 to 3530.00 in 28097, primarily due to differences in school district levies and local assessment districts.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Locust.
About Locust Property Taxes
About Property Taxes in Locust, Cabarrus, North Carolina
Locust’s median effective property tax rate of 1.06% is lower than the North Carolina state median of 0.81% and higher than the national median of 1.02%. This rate reflects the Cabarrus County base levy combined with local school district levies and special assessment districts that vary by subdivision throughout the city.
Property tax rates are not uniform across Locust. Homeowners in the 28097 ZIP code carry a median effective rate of 1.06%, while those in the lowest ZIP code pay 1.06%. This spread reflects how school district boundaries and local assessment districts are drawn across Cabarrus County. Understanding which part of Locust you live in can make a meaningful difference to your annual tax bill.
Locust homeowners who believe their assessed value is too high can file a formal appeal with the Tax Assessor before the May 4, 2026 deadline each year.
If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.
Property Tax Rates Across Locust, Cabarrus County, North Carolina
As noted earlier, local government entities set tax rates, which can vary widely within a state.
Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.
While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.
Below, you can compare Locust's effective property tax rate to other cities in North Carolina and the median property tax rates in North Carolina and the U.S.
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Locust Tax Rate
1.06%
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Cabarrus County Tax Rate
1.00%
Median Effective North Carolina Tax Rate
0.81%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Locust, Cabarrus County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 28097 | 1.06% | 1.06% | 1.06% | 1.07% | 1.07% |
Source: Ownwell
Property Tax Assessment Values Across Locust, Cabarrus County, North Carolina
When examining property taxes in Locust, North Carolina, understanding the distinction between "market value" and "assessed value" is crucial.
The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Cabarrus County appraisal district estimates the market value for tax purposes.
The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.
Assessment notices:
In Cabarrus County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of the month when notices are sent.
Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Locust.
For example, the median home price in Locust is $332,870, with tax bills ranging significantly across the county. 28097 has the highest median home price at $332,870.
Property Tax Assessment Values Across Locust, Cabarrus County, North Carolina
Source: Ownwell
$243,440
$364,325
$485,210
Median Locust Market Value
$332,870
Median Cabarrus County Market Value
$339,450
Median North Carolina Market Value
$221,500
Median United States Market Value
$235,294
Property Tax Assessment Values Across Locust, Cabarrus County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 28097 | $296,546 | $312,570 | $332,870 | $455,755 | $499,678 |
Source: Ownwell
Property Tax Bills Across Locust, Cabarrus County, North Carolina
Property tax bills in Locust are based on the assessed value of a home and the local tax rate set by Cabarrus County and other taxing authorities. The bill is calculated by multiplying the assessed market value by the applicable tax rate, so a higher home value usually means a higher tax bill. For homeowners, this means property taxes can rise when market values increase, even if nothing changes about the home itself.
In Locust, the median home price is $332,870, and the median property tax bill is $3,530, which is above the national median property tax bill of $2,400. Tax bills can vary widely, with the 25th percentile at $3,327 and the 75th percentile at $4,839. That range shows how location, home value, and assessment differences can affect what homeowners owe each year.
Median Locust Tax Bill
$3,530
Median Cabarrus County Tax Bill
$3,148
Median North Carolina Tax Bill
$1,813
Median United States Tax Bill
$2,400
Property Tax Bills Across Locust, Cabarrus County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 28097 | $3,160 | $3,327 | $3,530 | $4,839 | $5,279 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | May 4 |
Links | |
|---|---|
| Cabarrus Tax Assessor | |
| Website | tax.cabarruscounty.us |