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Updated 2025 Tax Year

Amador County
Property Tax Guide

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

9 Official Sources
8 min read
Quick Facts
Tax Rate
Average 1.0% of assessed value, varies by district with special assessments and bonds
1st Due
Nov 1
2nd Due
Feb 1
Exemptions
4+ Available
Section 1

How Property Tax Works

Amador County's property tax system serves as the primary funding mechanism for essential local services including public schools, fire protection, law enforcement, libraries, and county operations. The county follows California's Proposition 13 framework, which establishes a base tax rate of approximately 1% of assessed value, with annual assessment increases capped at 2%. Properties are reassessed to current market value only upon sale or significant new construction.

The effective tax rate in Amador County averages around 1.0% of assessed value, though actual rates vary significantly by location within the county due to special taxing districts, school bonds, and community facilities districts (CFDs). Rural properties may have lower rates, while areas with enhanced services or infrastructure improvements may see higher effective rates. Property owners should verify their specific tax rate based on their exact location and applicable special assessments, as these can add several tenths of a percent to the base rate.

Section 2

What Makes Up Your Tax Bill

ComponentRateDescription
Base County Rate~1.00%Core Proposition 13 rate for county services
School DistrictsVariesLocal school district bonds and assessments
Fire ProtectionVariesLocal fire district assessments
Special DistrictsVariesCemetery, hospital, water, sewer districts
Community Facilities Districts (CFDs)VariesInfrastructure and service financing
Direct AssessmentsVariesLighting, landscaping, local improvements

Rates shown are for Fiscal Year 2024-2025 and vary significantly by specific location within Amador County. The total effective rate typically ranges from 0.95% to 1.15% depending on applicable special districts. Property owners should consult their tax bill or the Amador County Assessor's office for their exact rate, as some areas may have additional Mello-Roos districts or voter-approved bonds that increase the total rate.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Amador 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 taxes are additional property tax bills issued when a property's assessed value changes mid-year due to ownership transfer or new construction. In Amador County, these taxes cover the difference between the old and new assessed values for the remaining months of the fiscal year (July 1 - June 30). The supplemental tax is calculated by taking the difference in assessed values, multiplying by the applicable tax rate, then prorating for the remaining months.

For example, if you purchase a home in Amador County in January for $500,000 that was previously assessed at $300,000, you would receive a supplemental tax bill for the difference ($200,000) multiplied by your tax rate (assume 1.0%) and prorated for 6 months (January through June). This would result in a supplemental bill of approximately $1,000 ($200,000 × 1.0% × 6/12 months). Supplemental tax bills are typically mailed 4-8 weeks after the county records the change and are due within 30 days of the postmark date.

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Homeowners' Exemption Applied: -$7,000 (saves ~$70/year, requires application)
  • Net Taxable Value: $293,000
  • Tax Rate: 1.05% (including special districts)
  • Annual Tax: $3,077
  • Monthly Payment: $256

Example 2: $600,000 Home

  • Assessed Value: $600,000
  • Homeowners' Exemption Applied: -$7,000 (saves ~$70/year, requires application)
  • Net Taxable Value: $593,000
  • Tax Rate: 1.10% (including special districts)
  • Annual Tax: $6,523
  • Monthly Payment: $544

Example 3: $1,000,000 Home

  • Assessed Value: $1,000,000
  • Homeowners' Exemption Applied: -$7,000 (saves ~$70/year, requires application)
  • Net Taxable Value: $993,000
  • Tax Rate: 1.08% (including special districts)
  • Annual Tax: $10,724
  • Monthly Payment: $894

Note: All exemptions and credits require separate applications to the Amador County Assessor's office and are not automatically applied. Tax rates vary by specific location within the county based on applicable special taxing districts.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Amador County require borrowers to maintain an escrow account for property taxes, collecting monthly payments as part of your mortgage payment and remitting taxes directly to the county. Lenders typically collect 1/12th of your annual tax bill each month, plus a cushion of 2-3 months to ensure adequate funds. Your lender will analyze your escrow account annually and adjust monthly payments if your tax bill changes significantly due to reassessment or rate changes.

Property taxes in Amador County are payable in two installments: the first half is due November 1st and becomes delinquent December 10th, while the second half is due February 1st and becomes delinquent April 10th. If you have an escrow account, your lender handles these payments automatically. You can verify payments were made by checking the Amador County Tax Collector's website or calling their office. If you don't have an escrow account, you're responsible for making payments directly to the county and should ensure payments are received by the due dates to avoid penalties.

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

Q: When are property taxes due in Amador County for FY 2024-2025? A: Property taxes are due in two installments: November 1, 2024 (becomes delinquent December 10, 2024) and February 1, 2025 (becomes delinquent April 10, 2025).

Q: What is the Homeowners' Exemption and how do I apply? A: The Homeowners' Exemption reduces your assessed value by $7,000, saving approximately $70 annually. You must file form BOE-266 with the Amador County Assessor's office. This is NOT automatic and requires a one-time application when you first occupy the property as your primary residence.

Q: Are there other property tax credits available in Amador County? A: Yes, including the Disabled Veterans' Exemption and Senior Citizens' Property Tax Postponement program. All require separate applications with specific deadlines and eligibility requirements. Contact the Assessor's office for current programs and application deadlines.

Q: How does California's Homestead protection work? A: California's Homestead laws protect equity in your primary residence from creditors but do not reduce property taxes. The homestead declaration limits forced sale proceeds available to creditors, not your tax assessment.

Q: When can I appeal my property assessment? A: Assessment appeals must be filed between July 2nd and either September 16th or December 2nd, depending on when the County Assessor mails assessment notices. Contact the Clerk of the Assessment Appeals Board for exact deadlines for your property.

Q: What are the penalties for late payment? A: A 10% penalty is added to the first installment if not paid by December 10th, and to the second installment if not paid by April 10th. Additional penalties and costs may accrue for extended delinquencies.

Q: Can I pay property taxes online in Amador County? A: Yes, Amador County typically offers online payment options through their official website. Contact the Tax Collector's office for current online payment methods, accepted payment types, and any associated convenience fees.

Q: Why did my property taxes increase when I didn't make improvements? A: Under Proposition 13, assessments can increase up to 2% annually even without improvements. Additionally, voter-approved bonds, new special assessments, or changes in special district boundaries can affect your tax rate.

Q: What triggers a supplemental tax bill? A: Supplemental taxes are issued when property changes ownership or when new construction is completed. The bill covers the difference between old and new assessed values for the remaining portion of the fiscal year.

Q: How do special taxing districts affect my tax rate in Amador County? A: Your location determines which special districts apply to your property, such as school districts, fire districts, or community facilities districts. These can add significantly to your base tax rate and vary widely across different areas of the county.

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