NC Circuit Breaker, Elderly/Disabled Property Tax Deferral

Mecklenburg County Assessor's Office, NC General Statutes §105-277.1B

Available Home Repair

About This Program

NC Circuit Breaker, Elderly/Disabled Property Tax Deferral is available to homeowners in Charlotte, NC.

The NC Circuit Breaker program defers the portion of property taxes that exceeds a set percentage of the owner's income for qualifying elderly or disabled homeowners. For income ≤$38,800, taxes above 4% of income are deferred; for income $38,801-$58,200, taxes above 5% are deferred. Deferred taxes become a lien due upon sale or non-qualifying transfer. Cannot be combined with the Homestead Exclusion.

Estimated annual deferral for a homeowner at the lower income tier with typical Mecklenburg tax bill.

Verified against Mecklenburg County Assessor's Office, NC General Statutes §105-277.1B's official page on 2026-06-17.

Data last verified 2026-04-03. How we verify our data.

In Charlotte, NC, you can combine this program with other local help to cut your cost:

Key Details

  • Must be 65+ or totally/permanently disabled; owned home 5+ years
  • Income ≤ $38,800: defer taxes above 4% of income
  • Income $38,801-$58,200: defer taxes above 5% of income
  • Deferred amounts become a lien, due on sale or transfer
  • Cannot be combined with Homestead Exclusion; apply by June 1

How to Apply

Get free help applying Visit Official Program Page Track this program

980-314-4226

A grant-savvy contractor in Charlotte, NC can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Charlotte early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • Documentation of disability (award letter or a physician's statement) if the program is disability-based.
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Apply by June 1 annually

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can NC Circuit Breaker, Elderly/Disabled Property Tax Deferral provide in Charlotte, NC?

Defers taxes above 4% of income (income ≤ $38,800) or above 5% (income $38,801-$58,200).

Who qualifies for NC Circuit Breaker, Elderly/Disabled Property Tax Deferral in Charlotte?

NC Circuit Breaker, Elderly/Disabled Property Tax Deferral is open to homeowners in Charlotte, NC. It prioritizes low-income households. It serves seniors.

How do I apply for NC Circuit Breaker, Elderly/Disabled Property Tax Deferral in Charlotte, NC?

Apply directly with Mecklenburg County Assessor's Office, NC General Statutes §105-277.1B using the official program link on this page or call 980-314-4226. There is no middleman and no fee. Deadline: Apply by June 1 annually.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Charlotte, NC contractors

Find More Programs in Charlotte, NC

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

See All Programs