Cherokee, Swain County, North Carolina Property Taxes
Property Taxes in Cherokee, North Carolina
Median Cherokee, North Carolina effective property tax rate: 0.41%, significantly lower than the national median of 1.02%, and lower than the North Carolina state median of 0.81%.
Median Cherokee, North Carolina home value: $120,930
Median annual Cherokee, North Carolina tax bill: $573, lower than the national median property tax bill of $2,400.
How are property taxes in Swain calculated?
Property taxes in Cherokee, 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 Cherokee's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Cherokee, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Cherokee, Swain County, North Carolina Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.41%
Estimate Property Tax Bill
$496
$460
How Does the Cherokee Property Tax Calculator Work?
Use this Cherokee property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Cherokee's median effective tax rate of 0.41% — based on actual property records in Swain 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 Cherokee'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 Cherokee: rates range from 0.41% in 28719 to 0.41% in 28719, 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 Cherokee.
About Cherokee Property Taxes
About Property Taxes in Cherokee, Swain, North Carolina
Cherokee’s median effective property tax rate of 0.41% is lower than the North Carolina state median of 0.81% and lower than the national median of 1.02%. This rate reflects the Swain 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 Cherokee. Homeowners in the 28719 ZIP code carry a median effective rate of 0.41%, while those in the lowest ZIP also pay 0.41%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Swain County. Understanding which part of Cherokee you live in can make a meaningful difference to your annual tax bill.
Cherokee homeowners who believe their assessed value is too high can file a formal appeal with the local Tax Assessor before the April 7, 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 Cherokee, Swain 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 Cherokee'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 Cherokee Tax Rate
0.41%
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 Swain County Tax Rate
0.49%
Median Effective North Carolina Tax Rate
0.81%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Cherokee, Swain County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 28719 | 0.32% | 0.41% | 0.41% | 0.44% | 0.51% |
Source: Ownwell
Property Tax Assessment Values Across Cherokee, Swain County, North Carolina
When examining property taxes in Cherokee, 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 Swain 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 Swain 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. For example, the median home price in Cherokee is $120,930, with tax bills ranging significantly across the county. ZIP code 28719 has the highest median home price at $120,930.
Property Tax Assessment Values Across Cherokee, Swain County, North Carolina
Source: Ownwell
$120,930
$272,748
$424,565
Median Cherokee Market Value
$120,930
Median Swain County Market Value
$146,700
Median North Carolina Market Value
$221,500
Median United States Market Value
$235,294
Property Tax Assessment Values Across Cherokee, Swain County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 28719 | $39,420 | $88,818 | $120,930 | $164,742 | $193,105 |
Source: Ownwell
Property Tax Bills Across Cherokee, Swain County, North Carolina
Cherokee property tax bills are based on the assessed value of a home and the local tax rate set by the county and other taxing authorities. When a property is valued, that assessment is used to calculate the annual bill, so homes with higher assessed values generally owe more. For homeowners in Cherokee, the median home price is $120,930, which helps explain why tax bills can vary from one property to another.
The amount a homeowner pays also depends on where the home is located within the county and how the local rate is applied. In Cherokee, the median property tax bill is $573.00, and the same median bill appears in ZIP code 28719. For many homeowners, this means the tax bill is a meaningful part of annual housing costs, especially when property values rise or assessments change. Understanding how the bill is calculated can help homeowners better anticipate what they may owe each year.
Median Cherokee Tax Bill
$573
Median Swain County Tax Bill
$738
Median North Carolina Tax Bill
$1,813
Median United States Tax Bill
$2,400
Property Tax Bills Across Cherokee, Swain County, North Carolina
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 28719 | $158 | $338 | $573 | $703 | $868 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | April 7 |
Links | |
|---|---|
| Swain Tax Assessor | |
| Website | www.bttaxpayerportal.com |