N Topsail Beach, Onslow County, North Carolina Property Taxes
Property Taxes in N Topsail Beach, North Carolina
Median Topsail Beach, North Carolina effective property tax rate: 1.09%, significantly lower than the national median of 1.02%, and higher than the North Carolina state median of 0.81%.
Median Topsail Beach, North Carolina home value: $347,928
Median annual Topsail Beach, North Carolina tax bill: $3,711, $1,311 higher than the national median property tax bill of $2,400.
How are property taxes in Onslow calculated?
Property taxes in Topsail Beach, 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 Topsail Beach's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Topsail Beach, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
N Topsail Beach, Onslow County, North Carolina Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.09%
Estimate Property Tax Bill
$3,792
$3,519
How Does the Topsail Beach Property Tax Calculator Work?
Use this Topsail Beach property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Topsail Beach's median effective tax rate of 1.09% — based on actual property records in Onslow 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 Topsail Beach'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 Topsail Beach: rates range from 1.09% in 28460 to 1.09% in 28460, 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 Topsail Beach.
About N Topsail Beach Property Taxes
About Property Taxes in Topsail Beach, Onslow, North Carolina
Topsail Beach’s median effective property tax rate of 1.09% is lower than the North Carolina state median of 0.81% and higher than the national median of 1.02%. This rate reflects the Onslow 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 Topsail Beach. Homeowners in ZIP code 28460 carry a median effective rate of 1.09%, and the same ZIP also has the lowest median rate at 1.09%. In this market, the median home price is $347,928, and the median property tax bill is $3,711. That bill is $1,311 higher than the state median tax bill.
Topsail Beach homeowners who believe their assessed value is too high can file a formal appeal with the Onslow County 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 N Topsail Beach, Onslow 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 Topsail Beach's effective property tax rate to other cities in North Carolina and the median property tax rates in North Carolina and the U.S.
Property Tax Rates Across N Topsail Beach, Onslow County, North Carolina
Source: Ownwell
0.65%
0.87%
1.08%
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 N Topsail Beach Tax Rate
1.09%
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 Onslow County Tax Rate
0.66%
Median Effective North Carolina Tax Rate
0.81%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across N Topsail Beach, Onslow County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 28460 | 1.08% | 1.08% | 1.08% | 1.09% | 1.09% |
Source: Ownwell
Property Tax Assessment Values Across N Topsail Beach, Onslow County, North Carolina
When examining property taxes in Topsail Beach, 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 Onslow 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 Onslow 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 Topsail Beach.
For example, the median home price in Topsail Beach is $347,928, with tax bills ranging significantly across the county. 28460 has the highest median home price at $347,928.
Property Tax Assessment Values Across N Topsail Beach, Onslow County, North Carolina
Source: Ownwell
$91,858
$330,342
$568,826
Median N Topsail Beach Market Value
$347,928
Median Onslow County Market Value
$188,238
Median North Carolina Market Value
$221,500
Median United States Market Value
$235,294
Property Tax Assessment Values Across N Topsail Beach, Onslow County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 28460 | $155,000 | $250,000 | $347,928 | $590,068 | $884,290 |
Source: Ownwell
Property Tax Bills Across N Topsail Beach, Onslow County, North Carolina
Property tax bills in Topsail Beach are calculated by multiplying a home’s assessed value by the local tax rate set by the county and other taxing authorities. The assessed value is based on the market value of the property, which can change over time as home prices rise or fall. For homeowners, this means a higher assessed value usually leads to a higher tax bill, while a lower assessed value can reduce what is owed.
In Topsail Beach, the median home price is $347,928, and the median property tax bill is $3,711 in ZIP code 28460. That is above the national median property tax bill of $2,400, showing that local homeowners may face a heavier tax burden than many U.S. households. Property taxes help fund local services, so changes in assessed value can have a direct impact on monthly budgets and long-term housing costs.
Property Tax Bills Across N Topsail Beach, Onslow County, North Carolina
Source: Ownwell
$601
$2,160
$3,719
Median N Topsail Beach Tax Bill
$3,711
Median Onslow County Tax Bill
$1,395
Median North Carolina Tax Bill
$1,813
Median United States Tax Bill
$2,400
Property Tax Bills Across N Topsail Beach, Onslow County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 28460 | $1,682 | $2,637 | $3,711 | $6,389 | $9,554 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | May 4 |
Links | |
|---|---|
| Onslow Tax Assessor | |
| Website | property.onslowcountync.gov |