Taxes & Insurance in Leland
Leland's property tax combines a Brunswick County rate with the town's own municipal rate, while homeowners insurance runs at or above the North Carolina state average -- a real, moderate coastal-adjacent cost profile disclosed here in full.
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Learn moreA combined county-plus-municipal property tax rate
Brunswick County's own ad valorem rate is $0.3420 per $100 of assessed value for FY2025 (July 2025-June 2026). The Town of Leland adds its own municipal rate of $0.27 per $100, for a combined base rate of about $0.6120 per $100 inside town limits -- roughly $2,754/year on a $450,000 home in one cited example (base record). Parcels outside Leland's town limits pay a different combined rate (county plus a fire-district rate instead), so confirm a specific parcel's tax district directly with the Brunswick County Tax Office.
North Carolina's flat state income tax applies here as it does statewide
North Carolina's flat individual income tax rate stepped down from 4.25% (tax year 2025) to 3.99% (tax year 2026) under a pre-set statutory schedule, with further cuts contingent on state revenue triggers starting 2027 -- a statewide fact, not specific to Leland.
Homeowners insurance: a real, disclosed source disagreement, trending above the state average
Sources disagree substantially on Leland's typical homeowners insurance cost: TGS Insurance cited $2,595/year on average, while a separate quote source (Homeowners of America) cited a notably higher $3,956/year. By zip code, one source cited $2,772/year in 28479 versus $3,276/year in Leland's primary 28451 zip. Both cluster around or above the roughly $2,874/year North Carolina statewide average cited in the same source family (base record) -- consistent with real, moderate coastal-adjacent risk, genuinely less severe than Wilmington's own likely premium but higher than inland NC markets in this dataset.
Flood insurance is a real, address-specific consideration given documented local flood history
Given Hurricane Florence's (2018) documented flooding of specific Leland neighborhoods and a recurring 2024 storm event in the same area (see the climate topic), a separate NFIP or private flood policy is a genuine, address-specific cost consideration for many Leland properties -- confirm a specific parcel's flood-zone designation directly rather than assuming town-wide uniformity.
Key takeaways
- Combined property tax rate inside Leland town limits: roughly $0.6120 per $100 of assessed value (Brunswick County's $0.3420 plus Leland's own $0.27).
- North Carolina's flat state income tax stepped down to 3.99% for tax year 2026 -- a statewide fact, not Leland-specific.
- Homeowners insurance estimates disagree substantially by source ($2,595-$3,956/year) but consistently cluster at or above the NC state average.
- Confirm a specific property's flood-zone designation directly -- documented local flood history makes this a real, address-specific consideration, not a town-wide given.
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