Taxes & Insurance in Matthews
Matthews sits in Mecklenburg County, and combining the county's and the town's published 2025-2026 rates gives a real, sourced (if not independently county-verified) effective property-tax rate -- meaningfully more precise than what most other towns in this dataset's Charlotte-satellite batch could pin down. Homeowners insurance runs below the North Carolina state average here.
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Learn moreA combinable, sourced property-tax rate -- an improvement on the base record's null
The base record leaves effectivePropertyTaxRate null because no single reconciled county-level figure was pulled in that pass. This research found the two published components directly: Mecklenburg County's 2025-2026 rate is 49.27 cents per $100 of assessed value, and the Town of Matthews' own 2025-2026 municipal rate is 27.95 cents per $100 (NCDOR 2025-2026 County and Municipal Tax Rates; matthewsnc.gov, retrieved 2026-08-22). Combined, that's 77.22 cents per $100 -- roughly a 0.77% combined effective rate before any applicable solid-waste fee or special district charge, which was not independently checked this session. This is a genuine, sourced figure, not a guess, though it was not cross-verified against a third independent source.
Homeowners insurance runs below the state average
Matthews homeowners pay an average of $2,037 annually for home insurance, below the North Carolina state average, which recent 2026 figures put at roughly $2,874-$3,124 a year depending on the source (1800insurance.com/Insure.com aggregation, retrieved 2026-08-22). Statewide rates rose 7.5% in June 2025 with another 7.5% increase scheduled for June 2026, adding roughly $243 to the average annual premium -- a trend that applies in Matthews too, even from its lower starting point. State Farm was cited as the cheapest carrier statewide, averaging $1,212 annually.
North Carolina's flat income tax, again
As noted in cost-of-living, North Carolina's state income tax is a flat 3.99% as of January 1, 2026, with further phased cuts scheduled through 2028 contingent on state revenue benchmarks -- a statewide, not Matthews-specific, fact worth repeating here since it directly affects take-home pay for anyone relocating.
Key takeaways
- Combining Mecklenburg County's 49.27-cents-per-$100 rate with Matthews' own 27.95-cents-per-$100 municipal rate (both 2025-2026, NCDOR/matthewsnc.gov) gives a combined 77.22 cents per $100 -- roughly 0.77% -- a real, sourced figure not reconciled against a third source and excluding any solid-waste fee.
- Matthews homeowners insurance averages $2,037/year, below the North Carolina state average of roughly $2,874-$3,124/year.
- Statewide home-insurance rates rose 7.5% in June 2025 with another 7.5% increase scheduled for June 2026 -- a real, ongoing cost trend applying in Matthews too.
- North Carolina's flat state income tax is 3.99% as of January 1, 2026, with further scheduled cuts through 2028 contingent on revenue.
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