Updated August 7, 2026. Quick answer: every figure Clear Money Guide holds about North Carolina, on one page, each one copied from a dataset that cites its own statute or agency. Built for reporters on deadline — take any line, follow the link for the source.
What stands out about North Carolina
These are the figures where North Carolina differs most from the rest of the country — selected by counting how many jurisdictions share each value, not by editorial preference.
- Five year total: at least $1,125 — the only jurisdiction of the 48 we have data for
- Free look days: 10 days (‘Ten Day Free Look’) — the only jurisdiction of the 31 we have data for
- Trigger: the due date of any premium except the first — one of only 2 of 47
- Contested: No — one of only 20 of 47
What dying costs here
- Small estate limit: 20000
- Small estate scope: personal_only
Source and full detail: the cost-of-dying index. Figures copied from those pages, which own them.
Estate and property law status
- Authorized: yes
- Statute or act: N.C. Gen. Stat. 10B-134.9 et seq. (Remote Electronic Notarization Act, Ch. 10B Art. 2 Pt. 4A), enacted HB 776
- Effective date: 2023-07-01
- Conditions: The notary must be physically located in North Carolina; the signer may be located anywhere in the United States (and in certain circumstances outside it). Notary must record the session and verify the signer’s location (geolocation) among other identity requirements.
- Association name: North Carolina Life and Health Insurance Guaranty Association
- Death benefit limit: $300,000
- Aggregate limit: $300,000
- Statute citation: N.C. Gen. Stat. § 58-62-21(d)
- Free look days: 10 days (‘Ten Day Free Look’)
- Trigger: receipt of the policy by the policyholder
- Extended windows: 30 days for replacement policies and contracts (11 NCAC 12 .0612(4))
- Refund basis: ordinary: a prompt refund of the premium paid; replacement: unconditional full refund of all premiums or considerations paid including policy fees or charges, or for a variable or market-value-adjustment policy, the cash surrender value plus fees and charges deducted
- Grace period days: 31 days
- Coverage during grace: the death benefit coverage shall continue in force; the policy may provide that if a claim arises during the grace period, the amount of any premium due or overdue may be deducted from any amount payable under the policy in settlement
Source and full detail: notary rules by state · guaranty association limits · life insurance free-look periods · life insurance grace periods. Figures copied from those pages, which own them.
Working and earning here
- Quit deadline: On or before the next regular payday
- Fired deadline: On or before the next regular payday (same rule as quit)
- Statute citation: N.C. Gen. Stat. 95-25.7, 95-25.22
- Has law: No
- Disclosure trigger: none
- Salary history ban: No
- Contested: No
Source and full detail: final paycheck laws by state · pay transparency laws by state · paid family leave by state · the convenience-of-the-employer rule. Figures copied from those pages, which own them.
Renting here
- Deposit cap: Tiered by tenancy length: 2 weeks’ rent for week-to-week tenancies; 1.5 months’ rent for month-to-month tenancies; 2 months’ rent for terms longer than month-to-month
- Return deadline: 30 days after termination of the tenancy and delivery of possession, if the extent of the landlord’s claim can be determined by then; otherwise an interim accounting within 30 days and a final accounting within 60 days after termination
- Interest required: no
- Statute citation: N.C. Gen. Stat. §§ 42-51, 42-52, 42-55 (Tenant Security Deposit Act, Chapter 42, Article 6)
Source and full detail: security deposit law by state. Figures copied from those pages, which own them.
Starting a business here
- Formation fee: $125
- Annual report: $200
- Publication requirement: none identified
- Expedite options: $200 same-day (received by noon); $100 24-hour
- Statute citation: N.C.G.S. § 57D-1-22 (fees); § 57D-2-24 (annual report); § 55D-11 (expedited filings)
- Five year total: at least $1,125
Source and full detail: LLC cost by state. Figures copied from those pages, which own them.
Tax treatment here
- Has law: Yes
- Treatment: ordinary income
- Rate: 3.99% flat (TY2026); 4.25% flat (TY2025)
- Preferential mechanism: none
- Tax year: 2026
- Statute citation: N.C.G.S. sec. 105-153.7(a)
Source and full detail: capital gains tax by state. Figures copied from those pages, which own them.
For journalists: how to cite this
Clear Money Guide, North Carolina Money Statistics 2026. https://clearmoneyguide.com/state-money-statistics/north-carolina/. Every figure on this page is copied from a Clear Money Guide dataset that states its own primary source and the date it was read — follow the section links for the statute or agency behind any number. Free to reuse with attribution under CC BY 4.0.
What this sheet does and does not contain
This sheet aggregates; it does not research. Every figure is copied from the owning page linked in each section, and a figure we do not own is simply absent — not estimated, not inferred from a neighbouring state. That is why sheets differ in length: this one states 39 figures, and a state where we hold less will show fewer. A short sheet means we have less, not that the state has less.
Statutory law changes. Each linked owner page carries the date its figures were read; check there before relying on anything here. See also North Carolina financial adviser statistics and all 51 state money sheets.
General information about published law and public data, not legal, tax or investment advice. No advertising appears on this page and we earn nothing from it.