North Carolina · County property tax · ACS 2024
Caldwell County Property Taxes
The median homeowner in Caldwell County pays $1,150 a year, an effective rate of 0.60%, well below the U.S. average.
- $1,150
- Median tax / yr · Below-median bill
- 0.60%
- Effective rate · Below-median rate
- -42%
- vs U.S. average
- #66 of 100
- rank in NC
The verdict
Homeowners in Caldwell County pay a median $1,150 a year in property tax, an effective rate of 0.60%, more affordable than 71% of U.S. counties (Census ACS 2024).
- $1,150
- Median annual tax bill, 2024
- 0.60%
- Effective rate on median home
- #895 of 3135
- U.S. counties by tax burden
- -42%
- vs the national average bill
Effective rate is the median property tax bill divided by the median home value ($192,200). U.S. Census Bureau, ACS 5-Year Estimates · 2024.
Census Bureau ACS property tax data for North Carolina. Population: 80,536. Owner-occupied homes: 24,209.
The median annual property tax in Caldwell County is $1,150, which is 39% lower than the North Carolina state average and 42% below the national average. The effective tax rate is 0.60% on a median home value of $192,200. Property taxes represent 2.0% of the median household income in this county.
Caldwell County's rate standing among U.S. counties
Primary signal
The effective rate sits near the national middle
Caldwell County's 0.60% effective rate sits near the middle of 3,135 tracked counties (more affordable than 71%).
Decision signal 2
The bill sits well below the national median
Homeowners in Caldwell County pay a median annual property tax of $1,150, well below the national median and well below the North Carolina state median. On a $192,200 median home, that works out to an effective rate of 0.60% once the local assessment base and millage are combined.
Decision signal 3
Income and the tax bill sit in the middle band
Property taxes in Caldwell County run within the commonly cited 2%-4% national benchmark, at about 2.0% of the $56,425 median household income.
Decision signal 4
Near the middle of North Carolina counties by effective rate
Caldwell County ranks #66 of 100 counties in North Carolina by effective rate (34% of in-state counties pay a lower rate).
Informational notice
Figures describe the median homeowner household in Caldwell County as reported to the Census Bureau; your parcel can differ. Not tax, legal, or financial advice: check the county assessor or a qualified professional before decisions that depend on these numbers.
The rate gave way faster than almost anywhere
Between the 2020 and 2024 releases the median home value in Caldwell County rose 53.5%, from $125,200 to $192,200. The effective rate fell 18.8% over the same span, a steeper move than in 79% of U.S. counties.
The median bill still rose 24.6%, to $1,150. Where the rate drops this far and the bill rises anyway, what changed is the value the rate is applied to.
Effective rate is the published median bill divided by the published median home value, so the two multiply back to the bill exactly; the rate's movement here is derived from those two figures rather than read from the rounded published rate. Both are ACS 5-year survey estimates for the median owner-occupied household, compared across non-overlapping releases. They describe what the Census published, not a local policy, assessment, or exemption change.
How to read this county's bill
Bills rose across 2020-2024, from $923 to $1,150, a gain of 25%. This is a comparison of published ACS medians, not an explanation of a particular property's assessment or tax bill.
The fullest band here is the $800 to $1,499 range, holding 8,140 of 24,209 owner-occupied homes (33.6%). The band shows where the largest share of reported owner-occupied households falls; it is not an individual-bill estimate.
Incomes here are in the lowest quarter nationally while the rate sits just below the middle, and the median bill lands at 2.0% of median household income. The rate reads as unremarkable in a national ranking; the earnings behind it are not, and the ratio above is where the two meet.
The share above is the median annual bill divided by median household income, a ratio of two county-level medians rather than a household-by-household figure.
What Caldwell County Homeowners Actually Pay
The single largest group of Caldwell County homeowners, 8,140 of 24,209 owner-occupied homes (33.6%), pays $800 to $1,499 a year. The median is one point in this spread, not a typical bill.
- Less than $800 29.3% (7,101)
- $800 to $1,499 33.6% (8,140)
- $1,500 to $1,999 12.6% (3,044)
- $2,000 to $2,999 13.6% (3,283)
- $3,000 or more 7.1% (1,724)
Census ACS 2024, table B25102. Bands and the no-tax share sum to 100%.
917 homes here (3.8%) report no real estate tax at all. Exemptions are set by state: how North Carolina handles assessments and appeals.
With vs Without Mortgage
In Caldwell County, mortgaged homeowners pay 21% more than those without a mortgage, a gap that typically tracks higher home values rather than a different tax rate.
Caldwell County's effective rate vs peers
Effective property tax rate (median tax ÷ median home value), ACS 2024.
Caldwell County's effective rate is higher than 34% of the 100 counties in North Carolina - ranking #66 of 100.
Where Caldwell County sits among every U.S. county
Effective property tax rate (median tax ÷ median home value)
0.60% Among the most affordable more affordable than 71% of 3,135 U.S. counties
Show national distribution
Each bar is a band; taller bars hold more U.S. counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2024
What changed since 2020
The median bill in Caldwell County moved from $923 in the 2020 release to $1,150 in 2024, a change of about 25%. These are American Community Survey 5-year estimates compared across releases that share only one sample year, which is why this page never compares consecutive releases: those overlap in four years of the same households and move mostly on sampling.
Caldwell County vs Benchmarks
| Metric | Caldwell County | North Carolina Avg | U.S. Avg |
|---|---|---|---|
| Median Annual Tax Below-median bill | |||
| Effective Tax Rate Below-median rate | |||
| Median Home Value | |||
| Tax as % of income Below-median income burden | 2.0% | - | - |
Source: U.S. Census Bureau, ACS 5-Year Estimates. Tax-burden differences across rows reflect millage decisions, assessment-ratio practices, and the residential-vs-commercial mix of each tax base.
Caldwell County is QUIET · LIGHT on ACS medians, still verify your parcel card before quoting the county figure. Estimate appeal savings · North Carolina counties.
Caldwell County rate trail · QUIET
| Year | Median Tax (vs prior release) | Effective Rate |
|---|---|---|
| 2024 | $1,150 +3.4% | 0.60% |
| 2023 | $1,112 +4.2% | 0.64% |
| 2022 | $1,067 +10.7% | 0.67% |
| 2021 | $964 +4.4% | 0.71% |
| 2020 | $923 | 0.74% |
Each row is a separate ACS 5-year release, and consecutive releases share four of their five survey years. The percentage beside each bill is therefore movement in the published estimate against the previous release, not a single year's tax change. The two releases largely describe the same households. For change over time, compare releases that do not overlap.
Caldwell County: tax-to-income at 2.0%
Counties near Caldwell County's effective rate
On effective rate, Caldwell County sits nearest De Baca County (NM), Chaves County (NM), Petroleum County (MT).
On published median-tax change, the nearest matches are Spencer County (KY), Calhoun County (SC), Grafton County (NH).
How peers are chosen
These are the nearest cross-state matches in the published Census data, not neighboring counties or recommendations. Peers are rebuilt with each data release; see the calculation method.
Similar effective rates
Similar published median-tax changes, 2020–2024
Caldwell County: only 3% of returns show Schedule A real-estate tax
Tax year 2022: 1,090 of 35,470 returns from Caldwell County reported real estate taxes, averaging $3,509 - 36% of those reporters sat in the $100-200k AGI band.
What this IRS county file does not say
Amounts are reported before the SALT cap, not deducted; the share is of filers, not homeowners. Source: IRS SOI county data, tax year 2022.
Other Counties in North Carolina
Caldwell County rate FAQs
- How does Caldwell County property tax compare to the national average?
- Property taxes in Caldwell County run well below the national median of $1,993, an effective rate of 0.60% versus 0.92% nationally.
- What is the average property tax in Caldwell County, North Carolina?
- The median annual property tax in Caldwell County is $1,150, an effective rate of 0.60% on a $192,200 median home (Census ACS, 2024).
- What is the tax affordability score for Caldwell County?
- Caldwell County, North Carolina scores B- (65/100) on PlainPropertyTax's tax affordability composite across 5 Census ACS dimensions (effective rate, bill size, income share, mortgage gap, and home-value/income). Its strongest scored dimension here is rate relief at B (0.60%). The score compares published county medians to U.S. percentiles, it is not a personal bill and not advice to buy, sell, appeal, or relocate.
- Are property taxes increasing in Caldwell County?
- The ACS median property-tax bill for Caldwell County jumped 24.6% between the 2020 and 2024 5-year releases, from $923 to $1,150, a 4-year span. These are survey estimates covering five years each, so this compares the two releases furthest apart rather than consecutive ones, which overlap and would mostly measure the same households twice.
- What percentage of income goes to property taxes in Caldwell County?
- Property taxes in Caldwell County run within the commonly cited 2%-4% national benchmark, at about 2.0% of the $56,425 median household income.
What to do with Caldwell County's QUIET rate
Caldwell County's $1,150 median bill sits well below the U.S. median - still size a parcel estimate; local millage and exemptions move the real bill. Estimate your bill →
Caldwell County ranks #66 of 100 North Carolina counties by effective rate - on the lower-burden half of the state ACS set. North Carolina overview →
Nationwide peers by effective rate (then bill)
Rate-first peers for Caldwell County's QUIET effective rate, then a disjoint out-of-state bill set so the two neighborhoods stay distinct.
Similar effective rate
Nearest out-of-state counties by ACS effective rate. This county: 0.60%.
Similar median bill
Nearest out-of-state counties by ACS median annual tax. This county: $1,150/yr. Rate peers are excluded so the two link sets stay distinct.
Read with Caldwell County
Nearest ABS(median_tax) ACS peers for Caldwell County (QUIET · LIGHT), replacing the old fixed Keep exploring strip.
QUIET LIGHT
Bracken County, KY
ABS(median_tax) peer · $1,149/yr (near-tied bill ABS $1); rate 0.92% vs Caldwell County 0.60%.
Lexington County, SC
ABS(median_tax) peer · $1,151/yr (near-tied bill ABS $1); rate 0.49% vs Caldwell County 0.60%.
Duval County, TX
ABS(median_tax) peer · $1,148/yr (near-tied bill ABS $2); rate 1.28% vs Caldwell County 0.60%.
Huntington County, IN
ABS(median_tax) peer · $1,148/yr (near-tied bill ABS $2); rate 0.71% vs Caldwell County 0.60%.
North Carolina county set
State ACS overview for every published North Carolina county rate and median bill.
Assessment cycle basics
Caldwell County stamps QUIET · LIGHT - how assessed value and millage become the ACS median bill.
Data vintage and method
Data as of 2024. Source: U.S. Census Bureau, American Community Survey 5-Year Estimates.
Property tax data reflects median amounts paid by homeowners. Effective rates are calculated as median tax divided by median home value.
Source: U.S. Census Bureau American Community Survey 5-Year Estimates, county median real-estate taxes · 2024 Caldwell County (QUIET · LIGHT) - ACS medians, not a parcel bill.