Spring Lake, Harnett County, North Carolina Property Taxes
Property Taxes in Spring Lake, North Carolina
Median Spring Lake, North Carolina effective property tax rate: 0.74%, significantly lower than the national median of 1.02%, and lower than the North Carolina state median of 0.81%.
Median Spring Lake, North Carolina home value: $224,937
Median annual Spring Lake, North Carolina tax bill: $1,615, lower than the national median property tax bill of $2,400.
How are property taxes in Harnett calculated?
Property taxes in Spring Lake, 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 Spring Lake's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Spring Lake, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Spring Lake, Harnett County, North Carolina Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.74%
Estimate Property Tax Bill
$1,665
$1,545
How Does the Spring Lake Property Tax Calculator Work?
Use this Spring Lake property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Spring Lake's median effective tax rate of 0.74% — based on actual property records in Harnett 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 Spring Lake'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 Spring Lake: rates range from $1615.00 in 28390 to $1615.00 in 28390, 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 Spring Lake.
About Spring Lake Property Taxes
About Property Taxes in Spring Lake, Harnett, North Carolina
Spring Lake’s median effective property tax rate of 0.74% is lower than the North Carolina state median of 0.81% and lower than the national median of 1.02%. This rate reflects the Harnett 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 Spring Lake. Homeowners in the 28390 ZIP code carry a median effective rate of 0.74%, while those in the lowest ZIP also pay 0.74%. This spread shows how school district boundaries and local assessment districts are drawn across Harnett County. Understanding which part of Spring Lake you live in can make a meaningful difference to your annual tax bill.
Spring Lake 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 Spring Lake, Harnett 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 Spring Lake'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 Spring Lake Tax Rate
0.74%
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 Harnett County Tax Rate
0.75%
Median Effective North Carolina Tax Rate
0.81%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Spring Lake, Harnett County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 28390 | 0.63% | 0.73% | 0.74% | 0.76% | 0.80% |
Source: Ownwell
Property Tax Assessment Values Across Spring Lake, Harnett County, North Carolina
When examining property taxes in Spring Lake, 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 Harnett 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 Harnett County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of March.
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. The median home price in Spring Lake is $224,937, with a median tax bill of $1,615. The 25th percentile tax bill is $1,019, while the 75th percentile is $2,077, compared with the national median property tax rate of 1.02% and national median property tax bill of $2,400.
Property Tax Assessment Values Across Spring Lake, Harnett County, North Carolina
Source: Ownwell
$125,112
$210,538
$295,963
Median Spring Lake Market Value
$224,937
Median Harnett County Market Value
$203,443
Median North Carolina Market Value
$221,500
Median United States Market Value
$235,294
Property Tax Assessment Values Across Spring Lake, Harnett County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 28390 | $69,840 | $135,256 | $224,937 | $290,513 | $346,010 |
Source: Ownwell
Property Tax Bills Across Spring Lake, Harnett County, North Carolina
Property tax bills in Spring Lake are determined by the assessed value of a home and the local tax rates set by the county and other taxing authorities. When a property is reassessed, the market value is reviewed and multiplied by the applicable tax rate to calculate the bill. For homeowners, this means a higher assessed value can lead to a larger tax bill, while a lower assessed value can reduce what is owed.
In Spring Lake, the median home price is $224,937, and the median property tax bill is $1,615. That amount is below the national median property tax bill of $2,400, which can make local taxes feel more manageable for many homeowners. Still, bills vary by property, with the 25th percentile at $1,019 and the 75th percentile at $2,077. For some homeowners, a tax bill can be a meaningful part of housing costs, so understanding how assessed value and tax rates work is important.
Property Tax Bills Across Spring Lake, Harnett County, North Carolina
Source: Ownwell
$1,132
$1,591
$2,050
Median Spring Lake Tax Bill
$1,615
Median Harnett County Tax Bill
$1,606
Median North Carolina Tax Bill
$1,813
Median United States Tax Bill
$2,400
Property Tax Bills Across Spring Lake, Harnett County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 28390 | $559 | $1,019 | $1,615 | $2,077 | $2,466 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | May 8 |
Links | |
|---|---|
| Harnett Tax Assessor | |
| Website | cama.harnett.org |