Taxes & Insurance in Southern Pines
Southern Pines carries a low municipal property tax rate matched closely to Moore County's own rate, with homeowners insurance meaningfully below coastal NC markets given the area's inland location.
Exploring the idea of moving?
We can connect you with a local real estate professional who knows the area -- no pressure, just a starting point.
Learn moreA low, held-flat municipal rate
The Town of Southern Pines held its municipal ad valorem rate at $0.29 per $100 of assessed value for FY2026-27, with no property tax increase in that budget (base record). Moore County's own county-wide levy is separately cited at $0.2900 per $100 for the same fiscal year, with local reporting noting the county rate was expected to dip slightly below $0.30.
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 Southern Pines.
Low homeowners insurance, thanks to the inland Moore County location
Homeowners insurance runs approximately $1,417/year on average, with a real range by dwelling coverage -- roughly $1,265/year for $200,000-$299,999 coverage up to $1,792/year for $400,000-$499,999 coverage, and around $1,892/year for homes over 2,500 sqft (base record). This is comparable to the low figures cited for neighboring Pinehurst and meaningfully below coastal NC markets in this dataset, reflecting Moore County's inland, non-coastal location. Rates are on a disclosed rising trajectory statewide, though: North Carolina saw back-to-back 7.5% increases effective June 2025 and June 2026.
Key takeaways
- Town of Southern Pines municipal rate: $0.29 per $100 of assessed value (FY2026-27, held flat, no increase); Moore County's own rate: $0.2900 per $100, expected to dip slightly.
- North Carolina's flat state income tax stepped down to 3.99% for tax year 2026 -- a statewide fact, not Southern Pines-specific.
- Homeowners insurance (~$1,417/year) runs meaningfully below coastal NC markets given the inland Moore County location, comparable to neighboring Pinehurst's own low figures.
- Statewide insurance rates are on a rising trajectory (back-to-back 7.5% increases in 2025 and 2026) even from this low base.
Want to know what your budget actually buys here?
Tell us a bit about what you're looking for and we'll connect you with someone local who can walk you through real numbers.
Get local guidanceRead the full Southern Pines overview for the complete picture -- housing, taxes, climate, and who this place genuinely fits.
Planning a move?
Tell us what you're looking for and we'll connect you with a local expert who can help you make it happen.
Talk to a local expert