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Updated 2025 Tax Year

Alameda County
Property Tax Guide

Everything you need to know about property taxes in Alameda County, CA. Rates, due dates, exemptions, and how it affects your monthly payment.

10 Official Sources
8 min read
Quick Facts
Tax Rate
1.0% - 1.25%
1st Due
Nov 1
2nd Due
Feb 1
Exemptions
4+ Available
Section 1

How Property Tax Works

Alameda County property taxes are annual assessments levied on real estate to fund essential local government services throughout the county. These taxes directly support public schools, fire departments, police services, libraries, parks, and other municipal services that benefit residents and property owners. Property taxes are collected by the Alameda County Treasurer-Tax Collector and distributed to various local agencies based on where your property is located.

California's property tax system operates under Proposition 13, which established a baseline tax rate of 1% of assessed value plus voter-approved debt service (bonds and special assessments). In Alameda County, effective tax rates typically range from 1.0% to 1.25% of assessed value, depending on your specific location and the local bonds or special districts that serve your area. Property assessments are managed by the Alameda County Assessor, who determines the taxable value of your property based on its purchase price and limited annual increases.

The county operates on a fiscal year from July 1 to June 30, with property taxes billed annually but payable in two installments. Understanding your property tax obligations helps you budget effectively and take advantage of available exemptions, particularly the Homeowner's Exemption that can reduce your assessed value by $7,000.

Section 2

What Makes Up Your Tax Bill

ComponentRate RangeDescription
General Tax Levy1.00%Base county tax rate established by Proposition 13
School Bonds0.05% - 0.15%Voter-approved bonds for local school districts
City Bonds0.02% - 0.08%Municipal bonds for infrastructure and services
Special Districts0.01% - 0.05%Fire districts, library districts, transit districts
Total Effective Rate1.0% - 1.25%Combined rate varies by Tax Rate Area (TRA)

Each property in Alameda County is assigned to a specific Tax Rate Area (TRA) that determines the exact combination of taxes and assessments. Your TRA number appears on your property tax bill and reflects the unique blend of local agencies serving your property. Properties in incorporated cities typically have different TRA rates than unincorporated areas, and voter-approved bonds can cause rates to vary significantly between neighborhoods. The county provides detailed TRA maps showing the boundaries and rates for each area within Alameda County.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Alameda County, property taxes are due in two installments:

First Installment
Nov 1
Delinquent after Dec 10
Second Installment
Feb 1
Delinquent after Apr 10
Pro tip: If you pay through mortgage escrow, your lender splits these payments across your monthly mortgage. If you pay directly, set calendar reminders to avoid late penalties.
Section 4

Supplemental Tax Bills

Supplemental property taxes are additional bills issued when your property's assessed value changes due to a change in ownership or completion of new construction. These taxes capture the difference between the old assessed value and the new assessed value for the remaining portion of the current fiscal year. The most common trigger is purchasing a home, which resets the assessed value to the purchase price under Proposition 13.

Supplemental tax is calculated using the formula: (New Assessed Value - Previous Assessed Value) × Tax Rate × (Months Remaining in Fiscal Year ÷ 12). For example, if you purchase a $800,000 home in January that was previously assessed at $600,000, and your TRA rate is 1.1%, the calculation would be: ($800,000 - $600,000) × 1.1% × (6 months remaining ÷ 12) = $1,100 supplemental tax due.

If the ownership change occurs between January 1 and May 31, you will receive two supplemental bills: one covering the period from the change date through June 30 of the current fiscal year, and another covering the full following fiscal year (July 1 through June 30). Changes occurring between June 1 and December 31 result in only one supplemental bill. Supplemental bills are typically mailed 8-12 weeks after the ownership change and have specific due dates printed on the bill, usually 30 days from the issue date.

Example Calculation

$300,000 Home:

  • Assessed Value: $300,000
  • Less Homeowner's Exemption: -$7,000
  • Net Taxable Value: $293,000
  • Tax Rate: 1.1% (typical Alameda County rate)
  • Annual Tax: $293,000 × 1.1% = $3,223
  • Monthly (if escrowed): $3,223 ÷ 12 = $269

$600,000 Home:

  • Assessed Value: $600,000
  • Less Homeowner's Exemption: -$7,000
  • Net Taxable Value: $593,000
  • Tax Rate: 1.1%
  • Annual Tax: $593,000 × 1.1% = $6,523
  • Monthly (if escrowed): $6,523 ÷ 12 = $544

$1,000,000 Home:

  • Assessed Value: $1,000,000
  • Less Homeowner's Exemption: -$7,000
  • Net Taxable Value: $993,000
  • Tax Rate: 1.1%
  • Annual Tax: $993,000 × 1.1% = $10,923
  • Monthly (if escrowed): $10,923 ÷ 12 = $910

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Section 5

Escrow & Property Taxes

Most homeowners with mortgages have their property taxes collected through an escrow account managed by their mortgage lender. The lender collects monthly tax and insurance payments along with your mortgage payment, holds these funds in escrow, and pays your property taxes directly to Alameda County before the delinquent dates. This system helps ensure taxes are paid on time and spreads the cost over 12 months rather than two large lump-sum payments.

Your mortgage lender typically pays property taxes in early November for the first installment and early February for the second installment, well before the December 10 and April 10 delinquent dates. You should receive an annual escrow analysis from your lender showing the projected property tax payments and any escrow account adjustments. If your property taxes increase due to reassessment or supplemental taxes, your lender may adjust your monthly escrow payment or require a one-time payment to cover any shortage.

To verify your escrow is functioning correctly, check your annual property tax bill against your lender's escrow analysis, and confirm that payments appear on the county's online property tax portal at propertytax.alamedacountyca.gov. If you pay off your mortgage or choose to pay property taxes directly, you'll need to make payments to Alameda County by the due dates: November 1 (delinquent after December 10) and February 1 (delinquent after April 10). The county offers online payments, monthly payment plans through third-party services, and traditional mail payments.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
  • See how rising taxes will change your monthly payment
  • Plan ahead instead of being surprised by "shortage" letters
Section 6

Frequently Asked Questions

When exactly are property taxes due in Alameda County? Property taxes are due November 1 for the first installment and February 1 for the second installment. The first installment becomes delinquent after 5 p.m. on December 10, and the second installment becomes delinquent after 5 p.m. on April 10. A 10% penalty is automatically assessed on delinquent payments.

How do I qualify for the Homeowner's Exemption? You must own and occupy the property as your principal residence as of January 1 to qualify for the $7,000 assessed value reduction. File Form BOE-266 with the Alameda County Assessor by February 15, though late applications are accepted until December 10 of the same year. The exemption continues automatically each year until you sell or stop using the property as your primary residence.

How is my property assessed in Alameda County? Your property is assessed by the Alameda County Assessor at its full cash value as of the date of purchase or January 1, 1975 (whichever is later), plus annual increases limited to 2% under Proposition 13. The assessed value only resets to current market value upon change in ownership or completion of major new construction.

How do I appeal my property assessment? File an Assessment Appeal Application (Form BOE-305-AH) with the Alameda County Assessment Appeals Board between July 2 and September 15 annually. The application fee varies based on assessed value. Mail the application in duplicate to: Alameda County Assessment Appeals Board, 1221 Oak St., Suite 536, Oakland, CA 94612. For supplemental assessments, you have 60 days from the bill date to appeal.

What happens if I pay my property taxes late? A 10% penalty is automatically added to delinquent installments. If taxes remain unpaid, additional penalties and redemption fees apply, and the property may eventually be sold at a tax sale. Interest accrues on unpaid amounts, and collection costs may be added to your bill.

How can I pay my property taxes online? Use the county's official portal at propertytax.alamedacountyca.gov to pay by electronic check (ACH) or credit/debit card. Credit card payments include a convenience fee charged by the payment processor. You'll need your property tax bill or assessor's parcel number to access your account.

What other property tax exemptions are available besides the Homeowner's Exemption? Disabled veterans may qualify for up to $150,000 in assessed value exemption depending on disability rating and income. Senior citizens and disabled persons with limited income may qualify for property tax postponement programs. Blind persons may qualify for an additional $7,000 exemption. Contact the Alameda County Assessor's Office for specific eligibility requirements and applications.

How does supplemental tax work when I buy a home? When you purchase property, the assessed value resets to the purchase price, triggering a supplemental tax bill for the increased value. You'll receive the supplemental bill 8-12 weeks after closing, covering the period from your purchase date through June 30. If you buy between January and May, you'll receive two supplemental bills covering both the current and following fiscal years.

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