AppealDesk

Union County Property Tax Appeal, North Carolina

Rob HartleyRob Hartley·Updated May 15, 2026

Union County is located in south-central North Carolina just southeast of Charlotte, with Monroe serving as the county seat and largest city. Other major population centers include Waxhaw, Indian Trail, Stallings, Weddington, Wesley Chapel, and Marvin, making it one of the fastest-growing counties in the Charlotte metro area. The median Union County effective property tax rate is 0.72%, significantly lower than the national median of 1.02%, and the median annual Union County tax bill is $2,239, lower than the national median property tax bill of $2,400. Union County's median tax rate is lower than the North Carolina median tax rate of 0.81% and below the national median property tax rate of 1.02%, and the median property tax bill is $2,239, which is $161 lower than the state median. Despite below-average rates, appealing is worthwhile because home values have climbed sharply — the median home price in Union County is $277,400, and property tax bills vary from $1,509 at the 25th percentile to $3,094 at the 75th percentile , meaning over-assessments can cost thousands annually.

Notable cities: Monroe, Waxhaw, Indian Trail, Stallings, Weddington, Wesley Chapel, Marvin, Mineral Springs

Median Home

$277,400

Tax Rate

0.72%

Annual Tax

$2,239

On the typical Union County home, valued near $277,400 at the county’s effective tax rate of 0.72%, an over-assessment of even 10% means you are overpaying year after year until you appeal it. Here is how to find out if yours qualifies.

2026 Appeal Deadline: For 2026: appeal window closed May 6, 2026. For 2027: opens January 1, 2027 and closes when the Board of Equalization and Review adjourns

The appeal window opens January 1, 2026 and closes after the Board of Equalization and Review adjourns on May 6, 2026, for the purpose of accepting new appeals. The appeal window for 2027 will open January 1st and close when the Board of Equalization and Review adjourn that session. According to the North Carolina General Statutes the property owner has the burden of proving the property under appeal is incorrectly valued, and North Carolina law presumes the County Tax Assessor acted in good faith and their assessments are correct.

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Property in Union County, North Carolina, local tax assessment and appeal guide

How Union County Assesses Property

100%of market value

Assessed by: Union County Tax Administration Office - Assessment Division

Assessment cycle: Reappraisal at least once every eight years (Union County most recently reappraised in 2025)

Notices typically mailed: March (reappraisal years); spring for change notices

North Carolina assesses property at 100% of fair market value as of January 1 of the reappraisal year. The Tax Administration Office completed a general reappraisal in 2025 and sent notices of new values in March of 2025. For example, if your home's market value is $277,400 (the Union County median), at North Carolina's 100% assessment ratio your assessed value would also be $277,400, resulting in approximately $1,997 in annual taxes at the county's effective rate of 0.72%.

The Appeal Process

Appeals are heard by the Board of Equalization and Review. You are not required to have a lawyer when filing an informal review or formal appeal. You will present evidence supporting your opinion of value; the Board reviews the record and mails a written Notice of Decision, after which you have 30 days to escalate to the N.C. Property Tax Commission.

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Step 1: Review your Notice of Real Estate Assessed Value carefully and compare the county's valuation to your property's actual market value as of January 1 of the reappraisal year (most recently January 1, 2025).

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Step 2: Request an Informal Review online, in-person or by calling 704-283-3746. This is the fastest, most informal step and is handled directly by an appraiser without a hearing.

3

Step 3: If the informal review does not resolve the issue, file a Formal Appeal by completing the 2026 Real Property Valuation Appeal Form before the Board of Equalization and Review adjourns. Your appeal will be sent to the Board of Equalization and Review.

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Step 4: Gather supporting evidence — recent comparable sales (sold within 12 months of the January 1 valuation date), independent appraisals, photographs of property defects, and contractor repair estimates — and submit them with your appeal.

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Step 5: Attend your scheduled hearing before the Board of Equalization and Review and present your evidence. After your appeal is heard by the Board of Equalization and Review, you will receive written notification of your property value in the mail.

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Step 6: If you disagree with the Board's decision, you have 30 days to file an appeal with the N.C. Property Tax Commission in Raleigh.

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Step 7: If there is disagreement with the Commission's decision and it involves a matter of law, not a judgment of value, the taxpayer may appeal to the North Carolina Court of Appeals, where legal representation is required. Further review may be sought from the North Carolina Supreme Court.

Required form: 2026 Real Property Valuation Appeal Form (or 2026 Personal Property Valuation Appeal Form for personal property)

Filing Methods

online:https://www.unioncountync.gov/government/departments-r-z/taxes-property/property-reappraisal/notification-and-appeal-process
phone (informal review):Call 704-283-3746 to request an informal review
mail:Union County Tax Administration, 500 N. Main St., Suite 236, PO Box 97, Monroe, NC 28111-0097
in-person:Union County Government Center, 500 N. Main Street, Suite 236, Monroe, NC 28112

Evidence to Bring

Recent comparable sales near the January 1 valuation dateIndependent fee appraisalPhotographs documenting condition issues, deferred maintenance, or functional obsolescenceContractor estimates for needed repairsDocumentation of incorrect property characteristics (square footage, bedroom count, lot size)Recent purchase price/closing documents if recently acquired

Union County Assessor Contact

Union County Tax Administration Office - Assessment Division

Phone: 704-283-3746

Address: 500 N. Main St., Suite 236, PO Box 97, Monroe, NC 28111-0097

Website: https://www.unioncountync.gov/government/departments-r-z/taxes-property

Online Portal: https://www.unioncountync.gov/government/departments-r-z/taxes-property/property-reappraisal/notification-and-appeal-process

Hours: Monday-Friday, 8:00 a.m. to 5:00 p.m.

Tax Exemptions in Union County

Elderly or Disabled Homestead Exclusion (G.S. 105-277.1)

The greater of $25,000 or 50% of the appraised value of the residence.

Excludes a portion of the appraised value of a permanent residence for qualifying elderly or disabled homeowners.

Eligibility: North Carolina residents aged 65 or older or totally and permanently disabled whose 2025 income does not exceed $38,800 annually. Deadline: June 1

Disabled Veteran Exclusion (G.S. 105-277.1C)

The first $45,000 of assessed real property value.

Excludes a portion of the appraised value of the permanent residence of an honorably discharged disabled veteran or unmarried surviving spouse.

Eligibility: A disabled Veteran is a Veteran who either (1) has 100% permanent total disability that is service-connected or (2) receives benefits for specially adapted housing under 38 U.S.C. 2101. File Form NCDVA-9 and Form AV-9.Deadline: June 1

Circuit Breaker Property Tax Deferment (G.S. 105-277.1B)

Taxes will be limited to four percent (4%) of the owner's income if income does not exceed $37,900 (2025 limit); 5% for incomes between that and 150% of the limit.

Limits property taxes to a percentage of the qualifying owner's income; deferred taxes become a lien on the property.

Eligibility: Owner must be 65+ or totally and permanently disabled, have owned and occupied the residence for the previous five years, and meet income limits.Deadline: June 1

Present Use Value Program

Land taxed at use value rather than market value (typically a significant reduction)

Present Use Value assists property owners who use their land to produce an agricultural, horticultural or forestry commodity.

Eligibility: Qualifying agricultural, horticultural, or forestland meeting acreage and income thresholds. Apply with Form AV-5.Deadline: During the January listing period

Union County Appeal Packet — $49

Comparable sales evidence, county-specific filing guide, and professional cover letter. Enter your address to get started.

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Frequently Asked Questions

What is the deadline to appeal my property taxes in Union County for 2026?
The appeal window for 2026 closed on Wednesday, May 6, 2026, when the Board of Equalization and Review adjourned their meeting. If you missed the 2026 deadline, the appeal window for 2027 will open January 1st and close when the Board of Equalization and Review adjourn that session. It is strongly recommended that you file as early in the window as possible — typically January through early spring — to give yourself time for an informal review before the formal Board hearing schedule fills up.
How do I file a property tax appeal in Union County?
Start with an informal review by contacting the Assessment Division. Request an Informal Review online, in-person or by calling 704-283-3746. If you are not satisfied with the result, file a formal appeal using the 2026 Real Property Valuation Appeal Form available on the Union County Tax Administration website. The completed form can be submitted online, by mail to PO Box 97, Monroe, NC 28111-0097, or in person at 500 N. Main Street, Suite 236 in Monroe. Your case will then be scheduled before the Board of Equalization and Review.
What evidence should I bring to a Union County property tax appeal?
According to the North Carolina General Statutes the property owner has the burden of proving the property under appeal is incorrectly valued. Strong evidence includes three to five recent comparable sales of similar homes within a mile of yours that sold near the January 1, 2025 valuation date, a recent independent fee appraisal, photographs of any condition issues or deferred maintenance, written contractor estimates for needed repairs, and documentation of any factual errors in the county's property record card such as wrong square footage or bedroom count. Sales prints from the MLS or county records carry the most weight.
What is the homestead exemption worth in Union County?
Union County follows North Carolina's statewide tax relief programs. Under the Elderly or Disabled Exclusion, the amount of the appraised value of the residence that may be excluded from taxation is the greater of $25,000 or 50% of the appraised value of the residence. To qualify, you must be a North Carolina resident aged 65 or older or totally and permanently disabled whose 2025 income does not exceed $38,800 annually. The application (Form AV-9) must be filed with the Union County Tax Assessor by June 1.
What happens at a Union County Board of Equalization and Review hearing?
You are not required to have a lawyer when filing an informal review or formal appeal. You will be given a scheduled time to present your evidence to the Board, which is made up of citizens appointed to hear valuation disputes. You'll explain why the assessed value exceeds the market value as of January 1 of the reappraisal year, present comparable sales and any documentary evidence, and answer questions from Board members. After your appeal is heard by the Board of Equalization and Review, you will receive written notification of your property value in the mail.
What if I lose my appeal before the Union County Board of Equalization and Review?
You have further appeal rights at the state level. The taxpayer has 30 days from the date of the Board of Equalization and Review's Notice of Decision to file an appeal to the North Carolina Property Tax Commission. The Property Tax Commission is made up of five members appointed by the Governor and the Legislature; these appeals are typically heard in Raleigh, and legal representation may be required at this level. Beyond that, decisions involving questions of law (not value) may be appealed to the North Carolina Court of Appeals and ultimately the North Carolina Supreme Court.
How often does Union County reappraise property?
North Carolina General Statute 105-286 requires all counties to conduct a reappraisal at least once every eight years. Union County has committed to regular reappraisals in order to keep property values current and promote fairness in the value upon which residents pay taxes. The Tax Administration Office completed a general reappraisal in 2025 and sent notices of new values in March of 2025. For the 2026 tax year, the Tax Administration Office will only send new notices if there are changes to the value of a property.
Does it cost anything to appeal my Union County property taxes?
There is no cost to file an appeal. If a business claims that there is a cost to appeal, the business would be misleading the public. Union County does not charge a filing fee for either the informal review or the formal appeal before the Board of Equalization and Review. You may, however, choose to spend money on supporting evidence such as a private appraisal (typically $400-$600) or hire a property tax consultant or attorney for representation. Be cautious of solicitations from third-party firms suggesting fees are required to appeal.
How much can I save by appealing my Union County property taxes?
Savings depend on your home's value and the size of the over-assessment. With Union County's median effective property tax rate of 0.72% , every $10,000 reduction in assessed value saves roughly $72 per year, or about $720 over a 10-year valuation cycle. A successful appeal that reduces a $400,000 assessment by 10% (a $40,000 reduction) would save approximately $288 annually. Because Union County reappraises only every four years, the savings compound across the entire cycle until the next reappraisal.

Official Resources

Union County Tax Administration - Taxes & Property →

Official Union County Tax Administration page with information on assessment, collection, payment, and contact details.

Union County Notification and Appeal Process →

Step-by-step guidance on the informal review, Board of Equalization and Review appeal, and state-level appeals.

Union County Tax Forms and Applications →

Downloadable 2026 Real Property Valuation Appeal Form, AV-9 Elderly/Disabled/Veteran Tax Relief Application, and other tax forms.

Union County Property Tax Inquiry / Search →

Search for property records, assessed values, and comparable sales to support an appeal.

NC Department of Revenue - Application for Property Tax Relief (AV-9) →

Statewide form for the Elderly/Disabled Exclusion, Disabled Veteran Exclusion, and Circuit Breaker Tax Deferment.

For state-wide appeal information including North Carolina's assessment ratio and deadlines, see our North Carolina Property Tax Appeal Guide →

Considering professional help with your appeal? Compare pricing, coverage, and pros/cons in our Best Property Tax Appeal Services (2026) or browse side-by-side service comparisons →

More North Carolina Counties

Buncombe County (Asheville)Cumberland County (Fayetteville)Durham County (Durham)Forsyth County (Winston-Salem)Gaston County (Gastonia)Guilford County (Greensboro)
← All North Carolina property tax appeal info

Sources: https://www.unioncountync.gov/government/departments-r-z/taxes-property/property-reappraisal/notification-and-appeal-process | https://www.unioncountync.gov/government/departments-r-z/taxes-property/applications-and-forms | https://www.ownwell.com/trends/north-carolina/union-county | https://www.ncdor.gov/av-9-2025-application-property-tax-relief-0/open | https://www.milvets.nc.gov/benefits-services/veterans-property-tax-relief

Last verified: 2026-05-15