Taxes in Wilmington, North Carolina
Complete tax guide for Wilmington, NC. State income tax up to 4.5%, 0.71% property tax, 7% sales tax. Calculate your total tax burden.
State Income Tax
4.5%
North Carolina
Property Tax
0.71%
Effective rate
Sales Tax
7%
Combined rate
Tax Burden
Low
Wilmington, NC Tax Overview
Coastal city; film industry
Population
120,328
Median Income
$49,723
Cost of Living
99.5 (100 = avg)
State Income Tax
4.5%
Median Home Price
$310,000
Wilmington Tax Calculator
Pre-filled with Wilmington median: $49,723
Total Tax Burden in Wilmington
$9,970
Take-Home: $39,753 · Effective Rate: 20.05%
Federal Tax
$3,928
7.90% eff.
NC State
$2,238
4.50% eff.
FICA
$3,804
7.65% eff.
Take-Home
$39,753
79.95% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $49,723.00 | $4,143.58 |
| Federal Income Tax | -$3,928.26 | -$327.35 |
| North Carolina State Tax | -$2,237.54 | -$186.46 |
| Social Security (6.2%) | -$3,082.83 | -$256.90 |
| Medicare (1.45%) | -$720.98 | -$60.08 |
| Take-Home Pay | $39,753.40 | $3,312.78 |
Property Tax in Wilmington
Median Home
$310,000
Annual Tax
$2,201
Monthly Tax
$183
Effective Rate
0.71%
Sales Tax in Wilmington
Combined Rate
7%
State Portion
~4.5%
Local Portion
~2.5%
The combined sales tax rate in Wilmington is 7%, which is below the national average of 7.12%. On a $100 purchase, you would pay $7.00 in sales tax.
Tax Burden Comparison
| Tax Type | Wilmington | North Carolina Avg | National Avg |
|---|---|---|---|
| Income Tax | 4.5% | 4.5% | 4.6% |
| Property Tax | 0.71% | ~0.71% | 1.1% |
| Sales Tax | 7% | ~7% | 7.12% |
| Overall Burden | Low | — | Moderate |
Tax Saving Tips for Wilmington Residents
- North Carolina's income tax rate of 4.5% is competitive. You may still benefit from maximizing 401(k) contributions ($23,500 limit) to reduce your taxable income at both state and federal levels.
- Property tax in Wilmington (0.71%) is below the national average of 1.1%. This makes homeownership more affordable here relative to property tax burden.
- Use a Health Savings Account (HSA) if eligible. Contributions are tax-deductible ($4,300 individual, $8,550 family), growth is tax-free, and withdrawals for medical expenses are tax-free.
Other Cities in North Carolina
Charlotte
ModerateRaleigh
ModerateGreensboro
LowDurham
ModerateWinston-Salem
LowFayetteville
LowCary
HighHigh Point
Very LowConcord
ModerateAsheville
ModerateCalculate Your Full North Carolina Tax Burden
See detailed state tax brackets, FICA breakdown, and compare to neighboring states.
Frequently Asked Questions
What are the tax rates in Wilmington, NC?
Wilmington, North Carolina has a state income tax rate up to 4.5%. The property tax rate is 0.71% and the combined sales tax rate is 7%. Coastal city; film industry
How much is property tax in Wilmington?
The effective property tax rate in Wilmington is 0.71%. On the median home price of $310,000, this equals approximately $2,201 per year or $183 per month. This is below the national average of 1.1%.
What is the sales tax rate in Wilmington?
The combined sales tax rate in Wilmington is 7%, which includes both state and local components. This is below the national average combined rate of approximately 7.12%.
How does Wilmington's tax burden compare to other cities?
Wilmington has a low overall tax burden. The effective total tax rate for a median-income household is approximately 26.5%. The combination of 4.5% state income tax, 0.71% property tax, and 7% sales tax determines the total burden. Cost of living index is 99.5 (100 = national average).
Are there any local taxes in Wilmington?
Wilmington does not impose a separate local or city income tax. Residents pay the state income tax of 4.5%, federal income tax, and FICA (Social Security and Medicare). Coastal city; film industry