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Half Moon Bay, San Mateo County, California Property Taxes

Median Half Moon Bay, CA effective property tax rate: 1.24%, significantly higher than the national median of 1.02%, but lower than the California state median of 1.21%. Median Half Moon Bay, CA home value: $771,902. Median annual Half Moon Bay, CA tax bill: $9,131, $6,731 higher than the national median property tax bill of $2,400. How are property taxes in San Mateo County calculated? Property taxes in Half Moon Bay, CA 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 Half Moon Bay’s property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Half Moon Bay, knowing local tax details benefits homeowners and investors.

Last Updated March 1, 2025

Half Moon Bay, San Mateo County, California Property Tax Bill Calculator

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.24%

Estimate Property Tax Bill

$9,572

$8,882

SAVE WITH OWNWELL

$1,102

Average Tax Savings

Ownwell’s Half Moon Bay Property Tax Bill Calculator empowers homeowners, real estate investors, and potential buyers to estimate their annual property taxes in Half Moon Bay with just two data points. By entering your property's estimated assessed value, our calculator applies Half Moon Bay’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 Mateo County. For those interested in more localized information, please scroll down to explore city-level trends!

Property Tax Rates Across Half Moon Bay, San Mateo County, California

Local government entities are responsible for setting tax rates, leading to significant variations within a state. Each county, including San Mateo, estimates its required budget for essential services and divides that by the total value of all taxable property within its jurisdiction, resulting in the property tax rate. This annual process, although influenced by votes and laws, is fundamentally about balancing budgets with property values.

In Half Moon Bay, located in San Mateo County, the effective property tax rate is a reflection of this process. When compared to other cities in California, Half Moon Bay's rate is notably aligned with the county's standards. The median property tax rate in California is slightly above the national median, indicating a higher tax burden on property owners in the state. With the national median property tax rate at 1.02%, California's median rate of 1.24% signifies a more substantial contribution required from property owners. Understanding these rates is crucial for property owners looking to manage their tax liabilities effectively.

Property Tax Rates Across Half Moon Bay, San Mateo County, California

Source: Ownwell

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1.08%

1.30%

1.52%

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 Half Moon Bay Tax Rate

1.24%

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 Mateo County Tax Rate

1.26%

Median Effective California Tax Rate

1.21%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Half Moon Bay, San Mateo County, California

Zip10th Percentile25th PercentileMedian Tax Rate75th Percentile90th Percentile
940191.16%1.19%1.24%1.37%1.69%

Source: Ownwell

Property Tax Assessment Values Across Half Moon Bay, San Mateo County, California

When examining property taxes in Half Moon Bay, CA, 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 Mateo County appraisal district 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.

In San Mateo County, assessment notices are sent in the spring each year. They’ll typically reach your mailbox by the middle of April. 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 Half Moon Bay. For example, the median home price in Half Moon Bay is $771,902, with tax bills ranging significantly across the county. Zip code 94019 has the highest median home price at $771,902.

Property Tax Assessment Values Across Half Moon Bay, San Mateo County, California

Source: Ownwell

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$377,686

$1,981,044

$3,584,402

Median Half Moon Bay Market Value

$771,902

Median San Mateo County Market Value

$685,382

Median California Market Value

$378,421

Median United States Market Value

$235,294

Property Tax Assessment Values Across Half Moon Bay, San Mateo County, California

Zip10th Percentile25th PercentileMedian Home Price75th Percentile90th Percentile
94019$191,153$428,682$771,902$1,183,686$1,690,000

Source: Ownwell

Property Tax Bills Across Half Moon Bay, San Mateo County, California

In Half Moon Bay, located in San Mateo County, CA, property tax bills are calculated based on the assessed value of your home, which is influenced by market conditions. The median home price in this area is approximately $771,902. To determine the tax bill, the county applies a rate to the assessed value, which is similar to the national median property tax rate of 1.02%. Homeowners in Half Moon Bay face a median property tax bill of $9,131, significantly higher than the national median of $2,400. The tax bill can vary widely, with the 25th percentile at $5,135 and the 90th percentile reaching $19,472. Such variability can be attributed to factors like home improvements and neighborhood changes. Homeowners can potentially reduce their tax burden by appealing their property's assessed value. Ownwell assists homeowners in navigating this process, identifying opportunities for appeals and exemptions, and ultimately helping to lower property tax bills, ensuring you only pay your fair share.

Property Tax Bills Across Half Moon Bay, San Mateo County, California

Source: Ownwell

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$4,534

$22,825

$41,115

Median Half Moon Bay Tax Bill

$9,131

Median San Mateo County Tax Bill

$8,692

Median California Tax Bill

$4,683

Median United States Tax Bill

$2,400

Property Tax Bills Across Half Moon Bay, San Mateo County, California

Zip10th Percentile25th PercentileMedian Tax Bill75th Percentile90th Percentile
94019$2,224$5,135$9,131$13,826$19,472

Source: Ownwell

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