San Joaquin County, California Property Taxes

Name: Property Tax Bills Across San Joaquin County, California
Creator: Ownwell
License: https://creativecommons.org/licenses/by-nc/4.0/

Median San Joaquin County effective property tax rate: 1.22%, significantly higher than the national median of 1.02%.
Median San Joaquin County home value: $273,669
Median annual San Joaquin County tax bill: $3,562, $1,162 higher than the national median property tax bill of $2,400.

How are property taxes in San Joaquin County calculated?

Property taxes in San Joaquin County are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.

Understanding your county's property tax system, exemptions, and reduction opportunities can lead to significant savings. Whether you live in Stockton or another part of San Joaquin County, knowing local tax details benefits homeowners and investors.

Last Updated March 1, 2025

San Joaquin County, California Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.22%

Estimate Property Tax Bill

$3,339

$3,098

Ownwell’s San Joaquin County Property Tax Bill Calculator empowers homeowners, real estate investors, and potential buyers to estimate their annual property taxes in San Joaquin County with just two data points. By entering your property's estimated assessed value, our calculator applies San Joaquin County’s median effective tax rate to accurately estimate your property tax bill. Note that your property's assessed value — determined by your county — reflects any exemptions you may have, ensuring a more precise calculation for your property tax obligations. This insightful tool helps you understand potential tax liabilities and highlights how Ownwell can assist in reducing property taxes in San Joaquin County. For those interested in more localized information, please scroll down to explore city-level trends!

Property Tax Rates Across San Joaquin County, California

Local government entities set property tax rates, leading to significant variations across different areas. Each year, counties calculate their budgets to maintain essential services and divide this by the total assessed value of all taxable properties within their boundaries. This process determines the property tax rate. Although votes and legislation play roles in formulating tax rates and budgets, this is the basic procedure followed annually.

In San Joaquin County, the effective property tax rate is higher than the national median of 1.02%. When comparing San Joaquin to other counties in California, it's important to note that the highest median tax rate in the state is found in Walnut Grove at 4.12%, while Farmington boasts the lowest at 1.03%. This illustrates the wide range of property tax rates within the state. Understanding these variations can help property owners better navigate the complexities of property taxation and potentially identify opportunities for appealing their property tax assessments.

Property Tax Rates Across San Joaquin County, California

Source: Ownwell

1.03%

2.58%

4.12%

Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.

Median Effective San Joaquin County Tax Rate

1.22%

Median Effective California Tax Rate

1.21%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across San Joaquin County, California

City	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
Acampo	1.07%	1.09%	1.14%	1.21%	1.36%
Clements	1.08%	1.11%	1.17%	1.30%	1.52%
Escalon	1.05%	1.07%	1.09%	1.13%	1.19%
Farmington	1.00%	1.01%	1.03%	1.06%	1.12%
French Camp	1.13%	1.15%	1.19%	1.31%	1.48%
Galt	1.07%	1.10%	1.15%	1.21%	1.38%
Lathrop	1.25%	1.46%	1.78%	2.01%	4.01%
Linden	1.02%	1.03%	1.05%	1.11%	1.17%
Lockeford	1.09%	1.10%	1.11%	1.14%	1.20%
Lodi	1.04%	1.06%	1.08%	1.09%	1.17%
Manteca	1.09%	1.12%	1.14%	1.34%	1.50%
Mountain House	1.42%	1.45%	1.60%	1.62%	1.64%
Oakdale	1.07%	1.10%	1.12%	1.14%	1.17%
Ripon	1.08%	1.08%	1.09%	1.11%	1.15%
Stockton	1.13%	1.18%	1.26%	1.37%	1.66%
Thornton	1.21%	1.29%	1.46%	1.93%	2.75%
Tracy	1.07%	1.10%	1.15%	1.56%	1.74%
Victor	1.34%	1.55%	1.79%	2.55%	2.87%
Walnut Grove	4.12%	4.12%	4.12%	4.12%	4.12%
Woodbridge	1.23%	1.29%	1.37%	1.50%	1.72%
Anderson	N/A	N/A	N/A	N/A	N/A
Holt	N/A	N/A	N/A	N/A	N/A
Riverbank	N/A	N/A	N/A	N/A	N/A
Vernalis	N/A	N/A	N/A	N/A	N/A
Wallace	N/A	N/A	N/A	N/A	N/A

Source: Ownwell

Property Tax Assessment Values Across San Joaquin County, California

When examining property taxes in San Joaquin County, understanding the distinction between "market value" and "assessed value" is crucial. The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The San Joaquin County Assessor estimates the market value for tax purposes. The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill. Assessment notices: In San Joaquin County, assessment notices are sent in the spring each year. They’ll typically reach your mailbox by the middle of May. Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in San Joaquin County. For example, the median tax bill in San Joaquin County is $2,400, with tax bills ranging significantly across the county. Mountain House has the highest median home price at $755,847.

Property Tax Assessment Values Across San Joaquin County, California

Source: Ownwell

$31,382

$393,615

$755,847

Median San Joaquin County Market Value

$273,669

Median California Market Value

$378,421

Median United States Market Value

$235,294

Property Tax Assessment Values Across San Joaquin County, California

City	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
Acampo	$68,756	$163,118	$327,806	$545,452	$780,596
Clements	$61,335	$119,830	$321,391	$588,072	$806,547
Escalon	$83,593	$175,342	$289,420	$422,156	$559,560
Farmington	$52,228	$77,479	$169,456	$356,400	$477,438
French Camp	$49,634	$108,868	$212,102	$335,646	$447,643
Galt	$50,286	$200,790	$362,730	$489,000	$655,462
Lathrop	$107,100	$182,012	$334,990	$499,300	$608,160
Linden	$96,685	$198,501	$331,074	$462,716	$625,739
Lockeford	$77,131	$153,747	$266,490	$395,134	$505,597
Lodi	$85,567	$159,650	$267,270	$405,694	$539,853
Manteca	$108,790	$203,920	$342,365	$469,200	$570,538
Mountain House	$623,681	$672,700	$755,847	$796,473	$855,491
Oakdale	$151,076	$339,460	$557,755	$822,150	$975,594
Ripon	$139,760	$239,226	$385,010	$542,531	$687,000
Stockton	$67,469	$121,339	$206,681	$320,351	$431,460
Thornton	$27,038	$72,992	$202,399	$329,104	$510,000
Tracy	$154,298	$288,061	$437,276	$594,252	$743,195
Victor	$35,206	$53,411	$101,348	$188,150	$260,922
Walnut Grove	$12,688	$24,801	$31,382	$43,950	$83,123
Woodbridge	$133,278	$207,600	$322,276	$463,462	$643,425
Anderson	N/A	N/A	N/A	N/A	N/A
Holt	N/A	N/A	N/A	N/A	N/A
Riverbank	N/A	N/A	N/A	N/A	N/A
Vernalis	N/A	N/A	N/A	N/A	N/A
Wallace	N/A	N/A	N/A	N/A	N/A

Source: Ownwell

Property Tax Bills Across San Joaquin County, California

In San Joaquin County, California, property tax bills are determined by several key factors. The tax bill is calculated based on the assessed value of a property, which is typically a percentage of the property's market value. The median home price in San Joaquin County is $273,669, which influences the overall tax bill homeowners can expect. Property tax rates and the resulting bills can vary significantly within the county. For instance, the lowest median tax bill is found in Victor at $1,804, while Mountain House has the highest median tax bill at $12,112. Homeowners in the 25th percentile of tax bills pay around $2,084, whereas those in the 75th percentile pay approximately $5,468. For those in the 90th percentile, the tax bill can reach up to $7,852. Compared to the national median property tax rate of 1.02% and a median tax bill of $2,400, San Joaquin County presents a diverse range of property tax liabilities that can significantly impact homeowners' financial planning.

Property Tax Bills Across San Joaquin County, California

Source: Ownwell

$1,532

$6,822

$12,112

Median San Joaquin County Tax Bill

$3,562

Median California Tax Bill

$4,683

Median United States Tax Bill

$2,400

Property Tax Bills Across San Joaquin County, California

City	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
Acampo	$1,492	$2,530	$4,207	$6,605	$9,126
Clements	$1,454	$2,512	$4,664	$7,526	$10,015
Escalon	$1,344	$2,144	$3,309	$4,721	$6,218
Farmington	$684	$1,036	$2,005	$4,184	$5,478
French Camp	$766	$1,597	$2,797	$4,197	$5,778
Galt	$2,008	$2,917	$4,638	$6,072	$7,966
Lathrop	$2,490	$4,180	$6,464	$9,193	$11,293
Linden	$1,410	$2,446	$3,730	$5,074	$6,823
Lockeford	$1,250	$2,051	$3,165	$4,531	$5,806
Lodi	$989	$1,800	$2,956	$4,458	$6,071
Manteca	$1,592	$2,612	$4,272	$5,993	$7,409
Mountain House	$9,502	$10,761	$12,112	$12,748	$13,341
Oakdale	$2,900	$4,187	$6,671	$9,213	$11,047
Ripon	$1,645	$2,707	$4,253	$5,994	$7,487
Stockton	$957	$1,664	$2,803	$4,216	$5,641
Thornton	$1,094	$1,718	$3,145	$4,689	$6,814
Tracy	$2,287	$3,675	$5,691	$8,520	$11,194
Victor	$977	$1,199	$1,804	$2,943	$3,588
Walnut Grove	$3,681	$3,681	$3,681	$3,681	$3,681
Woodbridge	$2,361	$3,212	$4,459	$5,994	$8,046
Anderson	N/A	N/A	N/A	N/A	N/A
Holt	N/A	N/A	N/A	N/A	N/A
Riverbank	N/A	N/A	N/A	N/A	N/A
Vernalis	N/A	N/A	N/A	N/A	N/A
Wallace	N/A	N/A	N/A	N/A	N/A