What a Hendersonville house pays
Property tax, water, trash and energy from public rates. Look up your address to make it yours, and see how to pay less.
Sent only to free public map services to find who serves it. Not stored unless you save your house.
Starts at the typical market value, $317,000; your assessed value is often lower. Typical use.
- Property tax$3,151
0.994% of $317,000
- Electricity$2,119
1006 kWh a month $2,119
- Water and sewer$1,619
7,000 gallons a month on City of Hendersonville Water and Sewer: water $51, sewer $74, stormwater (single-family residential) $9 a month
- Trash$384
96-gallon waste and recycling set, $32 a month
- Home insurance$1,621
Typical premium $1,621
A Hendersonville house at the typical market value ($317,000) pays about $8,900 a year: $3,150 property tax and charges, $1,620 water and sewer, $380 trash, $2,120 electricity, $1,620 home insurance. Estimated from public rates, not anyone's actual bill.
Rates checked Oct 22, 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:
Switch to the 32-gallon waste and recycling set cartUp to $24 a year
Your cart costs $32 a month; the smallest costs $30. Worth it if you rarely fill it.
How: Cart switch out fee of $30.00 (Large cart to Small & Small cart to Large) at request of customer.
Seniors 65+ or disabled, low income: exclusion$25,000 or 50% off value
You may receive an exclusion of either $25,000 or 50% of the taxable value of your qualifying residence (whichever is greater); income from all sources must not exceed $38,800.
How: Complete Form AV-9 and file with the Assessor's Office by June 1.
Disabled veterans: $45,000 exclusionFirst $45,000 off value
Excludes from property taxes the first $45,000 of assessed value for a permanent residence occupied by a qualifying owner.
How: Complete Form AV-9 and Form NCDVA-9; application deadline is June 1.
Seniors 65+ or disabled: circuit breaker deferralTax limited to 4% or 5% of income
Qualifying owners may defer a portion of taxes based on 4% or 5% of income; income must not exceed $58,200. The taxes over the limit remain as a lien on the property.
How: Annual application on Form AV-9 by June 1.
Leak adjustment on a high water billUp to $3,000 for water and sewer
A leak adjustment may be granted once every 24 calendar months per meter, for non-preventable leaks; the maximum adjustment is $3,000 for combined water and sewer charges.
How: Contact City Customer Service.
Prepay your tax bill in installmentsPrepay January–July
Henderson County accepts pre-payments beginning January-July, which show as a credit on your tax bill.
How: Pay at the Tax Collector's office, by mail or online.
Money dates
- Jan 5in 74 daysUnder North Carolina law, property taxes are due September 1 and can be paid at face amount before January 6. Interest of 2% starts January 6, then 3/4% a month from February 1.
- Jun 1Application deadline for the elderly or disabled exclusion, the disabled veteran exclusion and the circuit breaker deferral.
- Each utility billUtility bills are due 20 calendar days from the billing date; a late fee of $10.00 or 5% of the unpaid balance, whichever is greater, is added.
Who serves this house
- Water
- City of Hendersonville Water and Sewer
- Inside City Limits residential rates, per 1000 gallons
- Property tax
- 0.99% of value
- 2026 tax year (FY2026-27), Henderson County
- Garbage
- City of Hendersonville Sanitation Division
- Weekly pickup of solid waste
- Electricity
- Duke Energy Progress
- Residential Service Schedule RES: $14.00 basic customer charge a month
Your water
- Source
- The city currently draws water from the Mills River watershed from two intakes located within Pisgah National Forest and a third intake from the main stem of the Mills River.
Other NC cities
What a Raleigh house paysWhat a Asheville house paysWhat a Monroe house paysWhat a Havelock house pays
How these numbers are made
- Property tax: Henderson County general rate $0.474 and City of Hendersonville $0.52 per $100 for 2026 (FY2026-27); there is no separate school tax line on the Henderson County rate sheet.
- Starting value is the Census median owner-occupied home value for Hendersonville ($317,000, market value); county assessed values (2023 reappraisal) may differ.
- Water and sewer: City inside-limits rates from the fee schedule, per 1000 gallons; the base charges are taken as monthly (the fee schedule does not print the billing period); trash is the 96-gallon waste and recycling set; stormwater $9.00 a month.
- Natural gas is not included (the total leaves out gas and electricity): we could not confirm which gas utility serves Hendersonville addresses (Piedmont Natural Gas or Enbridge) from a source.
- Electricity: we assume Duke Energy Progress serves most Hendersonville homes (Henderson County lists it as a power company); an official service-territory source was not found and a rate-comparison site says Duke Energy Carolinas has the most customers in Henderson County, so electricity may be overstated or understated. Schedule RES with riders (Sept 1, 2026 rates; summer and winter blended by the page).
- Downtown service-district taxes, county fire districts outside the city and any parcel-specific charges are not included.
- Electric: Hendersonville's city page names Duke Energy; the Duke Energy Progress (NC) residential schedule is used as the modelled rate for the city (assumption, not a quote).
- Nothing here is legal, tax or insurance advice.
- City fee schedule
- City garbage collection
- City stormwater utility
- City water quality
- City utility billing policy
- Henderson County 2026-27 tax rates
- Henderson County exclusions & payment
- Geostat: Hendersonville home values (Census ACS)
- Triple-I: homeowners premiums by state (NAIC)
- N.C. General Statutes 105-360: tax due date and interest
- www.hendersoncountync.gov
- www.hendersoncountync.gov
- www.hendersoncountync.gov
- Henderson County permit FAQ (Duke Energy Progress)
- NC Public Staff: Duke Energy Progress bill comparison, Sept 1, 2026
- Duke Energy Progress NC Schedule RES (PDF)
- EIA 2024 residential sales by utility (Table 6)
- www.hendersonvillenc.gov
How Hendersonville compares
A typical Hendersonville house against the 320 cities we cover nationwide, using the same default numbers as the total above.
| Per year | Hendersonville | Median | Where it falls |
|---|---|---|---|
| Property tax rate | 0.99% | 1.23% | lower than 273 of the other 314 cities we cover nationwide |
| Water | $617 | $654 | lower than 172 of the other 319 cities we cover nationwide |
| Sewer and utility-bill fees | $1,001 | $735 | higher than 218 of the other 284 cities we cover nationwide |
| Trash | $384 | $379 | higher than 133 of the other 249 cities we cover nationwide |
| Electricity and gas | $2,119 | $2,743 | lower than 238 of the other 319 cities we cover nationwide |
| Home insurance | $1,621 | $1,492 | higher than 195 of the other 314 cities we cover nationwide |
| Total | $8,894 | $11,671 | lower than 255 of the other 319 cities we cover nationwide |
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. Property tax rate
The fact: Hendersonville's property tax rate is 0.99%, lower than 273 of the other 314 cities we cover nationwide. The rate adds up every agency on the bill, not only the city.
Ask: "Property tax in Hendersonville is 0.99%, lower than 273 of the other 314 cities we cover nationwide. What should that money pay for first, and would you change anything about how it is set?"
2. Sewer and utility-bill fees
The fact: Sewer and flat utility-bill charges here come to about $1,001 a year, higher than 218 of the other 284 cities we cover nationwide. 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 $1,001 a year, higher than 218 of the other 284 cities we cover nationwide. What drives that cost, and would you change anything?"
Common questions about Hendersonville house costs
What is the property tax rate in Hendersonville?
About 0.99% of the value before exemptions a year (2026 tax year (FY2026-27), Henderson County), plus flat charges on the same bill.
How much is property tax on a $500,000 house in Hendersonville?
About $4,970 a year on $500,000 of the value before exemptions.
How much is the water bill in Hendersonville?
About $135 a month for water and sewer at typical use (7,000 gallons a month) on City of Hendersonville Water and Sewer.
How much does trash pickup cost in Hendersonville?
$30 to $32 a month, depending on the trash cart size (32-gallon waste and recycling set, 96-gallon waste and recycling set).
When is property tax due in Hendersonville?
Jan 5: Under North Carolina law, property taxes are due September 1 and can be paid at face amount before January 6. Interest of 2% starts January 6, then 3/4% a month from February 1.
Can seniors lower their property tax or bills in Hendersonville?
Yes. Seniors 65+ or disabled, low income: exclusion: You may receive an exclusion of either $25,000 or 50% of the taxable value of your qualifying residence (whichever is greater); income from all sources must not exceed $38,800.
How much does a house in Hendersonville cost to run each year?
A Hendersonville house at the typical market value ($317,000) pays about $8,900 a year: $3,150 property tax and charges, $1,620 water and sewer, $380 trash, $2,120 electricity, $1,620 home insurance. Estimated from public rates, not anyone's actual bill.