San Diego, California Property Taxes
The median property tax rate in San Diego, CA is 1.22%, which is higher than both the national median of 0.99% and the California state median of 1.21%. With the median home value in San Diego, the typical annual property tax bill reaches $5,475, far exceeding the national median of $2,690. Property taxes in San Diego are calculated based on the tax assessed value, which typically falls below the market value due to various exemptions like the primary residence and agricultural exemptions. Understanding San Diego's property tax system, exploring available exemptions, and identifying opportunities for reductions can lead to significant annual savings. Whether you're in the heart of San Diego or another part of the city, understanding the local property tax system will benefit both homeowners and real estate investors.
Last Updated June 14, 2024
San Diego, California Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Average Tax Rate
1.22%
Estimate Property Tax Bill
$5,458
$5,155
$1,148
Average San Diego, California Tax Savings
Ownwell’s San Diego Property Tax Bill Calculator helps any homeowner, real estate investor, or potential owner estimate their annual property taxes in San Diego with just two data points. By entering your property's estimated assessed value, the calculator applies the median tax rate in San Diego to estimate your property tax bill. This insightful tool not only helps you understand potential tax liabilities but also illustrates how Ownwell can assist in reducing property taxes in San Diego. If you’re interested in seeing trends on a neighborhood level, scroll down to find more localized information. Your property’s assessed value is the value assigned by the county for property tax calculations, accounting for any exemptions that may apply.
Property Tax Rates Across San Diego, California
Property taxes in San Diego, CA, are vital in funding essential local services such as public schools, road maintenance, and emergency services. The median tax rate in San Diego is 1.22%, higher than both the California state median and the U.S. national median of 0.99%. Local government entities within San Diego set these rates annually, and they can vary significantly across different neighborhoods. Each year, San Diego estimates its required budget to maintain services for the upcoming fiscal year, then divides this budget by the total value of all taxable property within the jurisdiction to calculate the property tax rate. While tax rates and budgets are influenced by laws and voter input, this calculation forms the basis of setting property tax rates. The data below compares San Diego's effective property tax rate to other counties in California and the national median. For comparison, the 91945 zip code has the highest median property tax rate of 1.42%, while the 92177 zip code has the lowest median tax rate of 1.10%. Understanding how these cities compare with San Diego provides valuable insights into the varying tax landscape across San Diego County, helping homeowners gain a clearer picture of their property tax obligations relative to neighboring areas.
Average San Diego Tax Rate
1.22%
Average San Diego County Tax Rate
1.21%
Average California Tax Rate
1.21%
Average United States Tax Rate
0.99%
Property Tax Rates Across San Diego, California
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 91945 | 1.42% | 1.42% | 1.42% | 1.42% | 1.42% |
| 92101 | 1.23% | 1.24% | 1.25% | 1.27% | 1.31% |
| 92102 | 1.18% | 1.21% | 1.23% | 1.24% | 1.27% |
| 92103 | 1.21% | 1.22% | 1.22% | 1.23% | 1.24% |
| 92104 | 1.21% | 1.22% | 1.22% | 1.24% | 1.27% |
| 92105 | 1.18% | 1.20% | 1.22% | 1.24% | 1.25% |
| 92106 | 1.20% | 1.22% | 1.22% | 1.23% | 1.26% |
| 92107 | 1.20% | 1.21% | 1.22% | 1.23% | 1.24% |
| 92108 | 1.20% | 1.22% | 1.23% | 1.25% | 1.28% |
| 92109 | 1.21% | 1.22% | 1.23% | 1.23% | 1.24% |
| 92110 | 1.19% | 1.21% | 1.22% | 1.23% | 1.24% |
| 92111 | 1.19% | 1.21% | 1.22% | 1.23% | 1.25% |
| 92113 | 1.17% | 1.20% | 1.23% | 1.24% | 1.28% |
| 92114 | 1.13% | 1.19% | 1.21% | 1.23% | 1.25% |
| 92115 | 1.20% | 1.21% | 1.23% | 1.24% | 1.26% |
| 92116 | 1.20% | 1.21% | 1.23% | 1.24% | 1.25% |
| 92117 | 1.17% | 1.21% | 1.22% | 1.23% | 1.24% |
| 92119 | 1.20% | 1.23% | 1.24% | 1.25% | 1.26% |
| 92120 | 1.18% | 1.21% | 1.22% | 1.24% | 1.25% |
| 92121 | 1.20% | 1.21% | 1.22% | 1.23% | 1.24% |
| 92122 | 1.20% | 1.21% | 1.22% | 1.23% | 1.24% |
| 92123 | 1.18% | 1.21% | 1.22% | 1.23% | 1.29% |
| 92124 | 1.23% | 1.23% | 1.24% | 1.25% | 1.27% |
| 92126 | 1.20% | 1.21% | 1.23% | 1.24% | 1.27% |
| 92127 | 1.12% | 1.13% | 1.42% | 1.69% | 1.86% |
| 92128 | 1.06% | 1.07% | 1.12% | 1.13% | 1.14% |
| 92129 | 1.05% | 1.09% | 1.12% | 1.14% | 1.39% |
| 92130 | 1.07% | 1.13% | 1.19% | 1.27% | 1.37% |
| 92131 | 1.23% | 1.24% | 1.26% | 1.29% | 1.34% |
| 92139 | 1.17% | 1.20% | 1.21% | 1.24% | 1.25% |
| 92154 | 1.12% | 1.16% | 1.18% | 1.40% | 1.60% |
| 92173 | 1.23% | 1.24% | 1.24% | 1.30% | 1.41% |
| 92177 | 1.10% | 1.10% | 1.10% | 1.10% | 1.10% |
| 92195 | 1.24% | 1.24% | 1.24% | 1.24% | 1.24% |
Source: Ownwell
$1,148
Average San Diego Tax Savings
Save on your property taxes & more with Ownwell.
Property Tax Assessment Values Across San Diego, California
In San Diego, California, understanding the difference between "market value" and "assessed value" is crucial for comprehending property taxes. The market value is the price a willing buyer would pay a willing seller in an open and competitive market, influenced by factors like location, property condition, and economic trends. This value is estimated by the San Diego County Assessor for tax purposes. In contrast, the assessed value is the market value minus any applicable exemptions or limits based on local laws and available programs. The assessed value is then used to calculate your property taxes by multiplying it by the combined tax rates of all relevant taxing entities. Assessment notices are typically mailed out in the spring, usually by mid-April. These notices provide homeowners with both the market and assessed values, along with an estimate of the annual property tax bill. By understanding the distinction between these valuation concepts, property owners can better navigate their tax responsibilities and comprehend how their property taxes are determined. For example, in San Diego, the highest median tax bill is found in the 92127 zip code, with a median tax bill of $13,013, while the lowest is in the 91945 zip code, with a median tax bill of $243. Being aware of these valuation processes helps identify opportunities for protesting assessments or applying for exemptions to effectively manage the tax burden.
Property Tax Assessment Values Across San Diego, California
Source: Ownwell
$17,080
$1,327,607
$2,638,134
Average San Diego Assessed Value
$447,370
Average San Diego County Assessed Value
$454,653
Average California Assessed Value
$378,421
Average United States Assessed Value
$244,900
Property Tax Assessment Values Across San Diego, California
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 91945 | $17,080 | $17,080 | $17,080 | $17,080 | $17,080 |
| 92101 | $327,726 | $430,998 | $585,470 | $825,050 | $1,231,041 |
| 92102 | $65,779 | $139,938 | $272,436 | $473,027 | $683,700 |
| 92103 | $165,103 | $327,806 | $545,065 | $866,398 | $1,352,520 |
| 92104 | $115,398 | $215,726 | $387,109 | $641,118 | $877,608 |
| 92105 | $85,657 | $154,642 | $251,963 | $410,491 | $549,704 |
| 92106 | $160,759 | $390,495 | $771,008 | $1,178,566 | $1,716,898 |
| 92107 | $121,188 | $268,835 | $543,984 | $929,888 | $1,404,557 |
| 92108 | $128,021 | $227,177 | $366,367 | $591,852 | $793,637 |
| 92109 | $159,471 | $344,813 | $629,740 | $1,050,999 | $1,552,995 |
| 92110 | $104,586 | $229,341 | $416,503 | $643,142 | $934,073 |
| 92111 | $80,105 | $199,984 | $361,618 | $571,152 | $733,955 |
| 92113 | $55,234 | $115,768 | $215,748 | $378,651 | $508,542 |
| 92114 | $81,212 | $169,648 | $270,509 | $433,185 | $558,200 |
| 92115 | $104,074 | $202,368 | $351,926 | $572,218 | $774,915 |
| 92116 | $132,258 | $242,579 | $429,696 | $699,823 | $981,155 |
| 92117 | $76,429 | $198,256 | $390,148 | $656,183 | $861,964 |
| 92119 | $101,207 | $206,484 | $362,736 | $610,893 | $787,807 |
| 92120 | $102,537 | $217,216 | $416,264 | $670,514 | $880,878 |
| 92121 | $225,116 | $392,093 | $550,725 | $807,977 | $1,042,471 |
| 92122 | $152,566 | $278,688 | $453,238 | $695,752 | $959,282 |
| 92123 | $81,142 | $217,470 | $407,709 | $599,686 | $745,280 |
| 92124 | $189,857 | $299,049 | $463,842 | $669,173 | $850,501 |
| 92126 | $131,350 | $235,062 | $364,510 | $556,819 | $732,576 |
| 92127 | $323,862 | $542,900 | $828,516 | $1,170,554 | $1,747,982 |
| 92128 | $248,790 | $352,798 | $498,589 | $710,429 | $900,060 |
| 92129 | $234,859 | $336,570 | $513,084 | $792,127 | $971,553 |
| 92130 | $392,698 | $602,565 | $934,000 | $1,353,969 | $1,890,661 |
| 92131 | $289,366 | $426,534 | $639,846 | $936,558 | $1,255,000 |
| 92139 | $98,858 | $180,356 | $273,184 | $412,795 | $544,782 |
| 92154 | $83,428 | $179,894 | $323,896 | $501,979 | $622,199 |
| 92173 | $249,349 | $603,194 | $823,813 | $861,564 | $886,246 |
| 92177 | $147,551 | $147,551 | $147,551 | $147,551 | $147,551 |
| 92195 | $642,871 | $642,871 | $642,871 | $642,871 | $642,871 |
Source: Ownwell
$1,148
Average San Diego Tax Savings
Save on your property taxes & more with Ownwell.
Property Tax Bills Across San Diego, California
In San Diego, property tax bills are calculated based on the assessed value of the property, which is determined by the county assessor. The median home price in the area is $447,370. Factors such as property location, size, and market conditions influence this assessed value. The tax rate in San Diego County typically aligns with California's Proposition 13, which caps the annual increase in assessed value to 2% unless the property changes ownership. Homeowners in San Diego can face significant variability in their tax bills. For instance, the 25th percentile tax bill is around $3,065, while the 75th percentile can reach up to $8,762. In some areas, like the zip code 92127, the median tax bill can soar to $13,013. Conversely, in zip code 91945, it can be as low as $243. Ownwell can assist homeowners by appealing their property tax assessments, potentially reducing their tax bills. Our team of experts reviews property valuations and gathers evidence to ensure homeowners are not overpaying, helping them save significantly on their annual property taxes.
Average San Diego Tax Bill
$5,475
Average San Diego County Tax Bill
$5,506
Average California Tax Bill
$4,683
Average United States Tax Bill
$2,690
Property Tax Bills Across San Diego, California
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 91945 | $243 | $243 | $243 | $243 | $243 |
| 92101 | $4,170 | $5,468 | $7,369 | $10,306 | $15,253 |
| 92102 | $776 | $1,724 | $3,367 | $5,887 | $8,466 |
| 92103 | $2,017 | $4,000 | $6,683 | $10,657 | $16,593 |
| 92104 | $1,416 | $2,676 | $4,798 | $7,921 | $10,828 |
| 92105 | $1,021 | $1,874 | $3,097 | $5,062 | $6,770 |
| 92106 | $1,987 | $4,782 | $9,649 | $14,766 | $21,424 |
| 92107 | $1,481 | $3,314 | $6,654 | $11,412 | $17,291 |
| 92108 | $1,569 | $2,799 | $4,504 | $7,331 | $9,964 |
| 92109 | $1,940 | $4,210 | $7,721 | $12,909 | $19,076 |
| 92110 | $1,261 | $2,784 | $5,106 | $7,900 | $11,483 |
| 92111 | $948 | $2,433 | $4,421 | $6,989 | $9,001 |
| 92113 | $660 | $1,418 | $2,678 | $4,713 | $6,320 |
| 92114 | $862 | $1,956 | $3,251 | $5,330 | $6,961 |
| 92115 | $1,256 | $2,471 | $4,307 | $7,059 | $9,608 |
| 92116 | $1,634 | $2,963 | $5,266 | $8,596 | $12,104 |
| 92117 | $897 | $2,407 | $4,769 | $8,042 | $10,584 |
| 92119 | $1,231 | $2,568 | $4,510 | $7,591 | $9,854 |
| 92120 | $1,222 | $2,660 | $5,114 | $8,259 | $10,913 |
| 92121 | $2,733 | $4,794 | $6,708 | $9,816 | $12,746 |
| 92122 | $1,855 | $3,425 | $5,553 | $8,529 | $11,741 |
| 92123 | $973 | $2,681 | $5,086 | $7,517 | $9,508 |
| 92124 | $2,353 | $3,711 | $5,753 | $8,284 | $10,535 |
| 92126 | $1,622 | $2,893 | $4,578 | $6,985 | $9,302 |
| 92127 | $3,759 | $7,050 | $13,013 | $18,682 | $25,625 |
| 92128 | $2,742 | $3,887 | $5,508 | $7,852 | $9,902 |
| 92129 | $2,623 | $3,752 | $5,929 | $9,190 | $12,658 |
| 92130 | $4,638 | $7,173 | $11,534 | $16,506 | $23,078 |
| 92131 | $3,660 | $5,385 | $8,075 | $11,830 | $16,671 |
| 92139 | $1,079 | $2,104 | $3,290 | $5,092 | $6,762 |
| 92154 | $896 | $2,034 | $4,026 | $6,976 | $8,677 |
| 92173 | $3,114 | $7,485 | $10,217 | $10,669 | $10,938 |
| 92177 | $1,630 | $1,630 | $1,630 | $1,630 | $1,630 |
| 92195 | $7,969 | $7,969 | $7,969 | $7,969 | $7,969 |
Source: Ownwell
$1,148
Average San Diego Tax Savings
Save on your property taxes & more with Ownwell.
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Property Valuation Date | January 1 |
| Appeal Deadline | December 2 |
| Tax Bill | |
| Issued | October 1 |
| Due Date #1 | December 10 |
| Due Date #2 | April 10 |
Links | |
|---|---|
| San Diego Tax Assessor | |
| Phone | (858) 505-6262 |
| Website | assr.parcelquest.com |
| arcc.fgg@sdcounty.ca.gov | |
Save money on your property taxes with Ownwell.
Enter your address.
With just your address Ownwell will analyze your property expenses to find you savings using real time market data, local expertise and AI.
Answer some questions.
The more we know about your property, the more we can save you. There's no up-front costs, it's risk-free to sign up. Only pay if you save!
Unlock your savings.
We gather evidence, file all documentation, and attend hearings on your behalf year after year, so you never overpay again.