What a Albemarle home costs each year
Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.
Suggestions as you type come from Google; the lookup uses free public map services to find who serves it. Not stored unless you save your house.
Starts at the typical market value, $266,594; your assessed value is often lower. Typical use.
- Property tax$2,986
1.120% of $266,594
- Electricity$1,528
1062 kWh a month $1,528
- Water and sewer$882
9 units (CCF) a month on City of Albemarle Public Utilities: water $36, sewer $37 a month
- Trash$367
96-gallon garbage cart with recycling, $31 a month
- Home insurance$1,621
Typical premium $1,621
A Albemarle house at the typical market value ($266,594) costs about $7,400 a year: $2,990 property tax and charges, $880 water and sewer, $370 trash, $1,530 electricity, $1,620 home insurance. Estimated from public rates, not anyone's actual bill.
Rates checked Oct 28, 2026. Insurance: what you enter, or a typical premium until you do. Sources are listed at the bottom.
Ways to pay less
Nothing here applies to every house automatically. These are worth checking:
Who serves this house
- Water
- City of Albemarle Public Utilities
- Water - Inside Corporate Limits
- Property tax
- 1.12% of value
- 2026 tax year (FY2026-27), Stanly County
- Garbage
- City of Albemarle (Waste Pro contract)
- Weekly garbage collection by Waste Pro under contract to the City
- Electricity
- City of Albemarle electric
- The City owns and operates its own system and is not a customer of Duke or any other electric provider
Other NC cities
Raleigh home costsAsheville home costsHendersonville home costsMonroe home costsHavelock home costsArchdale home costsMount Airy home costs
How these numbers are made
- Property tax: Stanly County 0.51 plus City of Albemarle 0.61 per $100, total 1.12 (2026-27), applied to assessed value; fire-district rates are charged by the town so no extra.
- Starting value is a market estimate (Zillow), not an assessed value; Stanly's 2025 revaluation put assessed at 96.66% of market.
- Water and sewer: Inside corporate limits, July 2026 schedule; the minimum covers 0-300 cubic feet (3 CCF) and then the per-100-cubic-foot rate applies.
- Trash: $30.55 monthly collection fee, the only residential solid waste charge published on pages we could read; the 2026 utility rate document could not be read, so a separate disposal line is unconfirmed.
- Electricity: Schedule RS, no riders listed; charges multiplied by 1.07 for the NC 7% combined general rate on electricity. Gas (Piedmont) is not priced.
- Insurance: 2022 statewide average, the newest NAIC figure published in the Triple-I table. Premiums have likely risen since.
- Elderly/disabled exclusion ($39,900) is stated for 2027, not the 2026 tax year, so it is not applied.
- Nothing here is legal, tax or insurance advice.
How Albemarle compares
A typical Albemarle house against the 8 North Carolina cities we cover, using the same default numbers as the total above.
| Per year | Albemarle | Median | Where it falls |
|---|---|---|---|
| Property tax rate | 1.12% | 1.04% | higher than 5 of the other 7 North Carolina cities we cover |
| Water | $435 | $540 | lower than 5 of the other 7 North Carolina cities we cover |
| Sewer and utility-bill fees | $447 | $812 | lower than 6 of the other 7 North Carolina cities we cover |
| Trash | $367 | $340 | higher than 5 of the other 6 North Carolina cities we cover |
| Electricity and gas | $1,528 | $1,881 | lower than 6 of the other 7 North Carolina cities we cover |
| Home insurance | $1,621 | $1,621 | in the middle of 7 other North Carolina cities we cover |
| Total | $7,383 | $8,071 | lower than 4 of the other 7 North Carolina cities we cover |
Cities bill differently (some put trash on the tax bill, some cover more services), so a higher number isn't necessarily worse. The property tax rate is compared instead of dollars because house values differ.
Questions to ask your candidates
Each one starts from a number above. Any candidate can answer them.
1. Sewer and utility-bill fees
The fact: Sewer and flat utility-bill charges here come to about $447 a year, lower than 6 of the other 7 North Carolina cities we cover. Some cities bill sewer on the property tax bill instead, which is not counted here.
Ask: "Sewer and flat utility-bill charges here cost about $447 a year, lower than 6 of the other 7 North Carolina cities we cover. What drives that cost, and would you change anything?"
2. Trash
The fact: Trash pickup here costs about $367 a year for the standard cart, higher than 5 of the other 6 North Carolina cities we cover. Where trash is billed through the tax bill or a separate hauler, it is not counted here.
Ask: "Trash pickup here costs about $367 a year for the standard cart, higher than 5 of the other 6 North Carolina cities we cover. What drives that cost, and would you change anything about the service or the price?"
3. Electricity and gas
The fact: Electricity and gas for a typical house here cost about $1,528 a year, lower than 6 of the other 7 North Carolina cities we cover. Rates are set mostly by the utility and the state.
Ask: "Electricity and gas here cost about $1,528 a year for a typical house, lower than 6 of the other 7 North Carolina cities we cover. Which parts of that can the city influence, and what would you do about them?"
Common questions about Albemarle house costs
What is the property tax rate in Albemarle?
About 1.12% of the value before exemptions a year (2026 tax year (FY2026-27), Stanly County), plus flat charges on the same bill.
How much is property tax on a $500,000 house in Albemarle?
About $5,600 a year on $500,000 of the value before exemptions.
How much is the water bill in Albemarle?
About $73 a month for water and sewer at typical use (9 units, or 6,732 gallons a month) on City of Albemarle Public Utilities.
How much does trash pickup cost in Albemarle?
$31 a month for a house.
How much does a house in Albemarle cost to run each year?
A Albemarle house at the typical market value ($266,594) costs about $7,400 a year: $2,990 property tax and charges, $880 water and sewer, $370 trash, $1,530 electricity, $1,620 home insurance. Estimated from public rates, not anyone's actual bill.