Your Guide to Property Taxes in Mecklenburg, Union & York County
Buying a home in the Charlotte region means more than just choosing the right floor plan or neighborhood, it also means understanding property taxes. Since the Queen City (area) spans both North and South Carolina, tax rates and exemptions vary depending on which side of the border you call home. Let’s break down what buyers (especially out of state buyers) need to know about property taxes in Mecklenburg, Union, and York counties.
💰 Property Tax Rates
Mecklenburg County, NC – One of the highest in the region. The combined county and city rate for Charlotte averages around 0.4%–0.6% of assessed value.
Union County, NC – Generally lower than Mecklenburg. Depending on the town, rates typically run 0.35%–0.5%.
York County, SC – South Carolina’s property taxes are among the lowest in the nation, often 0.25%–0.4%, making Fort Mill, Rock Hill, and Lake Wylie popular for tax-conscious buyers.
🏡 Homestead Exemptions
Both states offer relief for primary residences:
North Carolina – Eligible homeowners over 65 or those with disabilities may qualify for property tax exclusions.
South Carolina – Offers a $50,000 property tax deduction for homeowners 65+, disabled, or legally blind.
🌎 What Out-of-State Buyers Should Know
NC vs. SC Vehicle Tax: North Carolina charges annual vehicle property taxes, while South Carolina rolls vehicle tax into registration.
Reassessment Timelines: Counties periodically reassess property values….Mecklenburg last did so in 2023, Union in 2021, and York in 2022.
Lower SC Taxes vs. Higher NC Services: SC buyers benefit from lower property taxes, while NC buyers often find more robust public services and schools.
🔑 Key Takeaways
Mecklenburg = higher taxes, more urban services.
Union = middle ground, suburban lifestyle at a moderate tax rate.
York = lowest taxes, rapid growth, especially in Fort Mill.
Pro Tip: Don’t let property taxes scare you away. Instead, consider how they align with schools, amenities, and lifestyle. A trusted local agent (like me!) can help you compare communities and see the full financial picture.