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Updated 2025 Tax Year

San Diego County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
Varies by district (average ~1.0-1.2%)
1st Due
Nov 1
2nd Due
Feb 1
Exemptions
4+ Available
Section 1

How Property Tax Works

San Diego County operates one of California's largest property tax systems, collecting over $7.4 billion annually to fund essential local services including schools, cities, the county government, and special districts. Property taxes represent the backbone of local government funding, supporting everything from public education and fire protection to libraries and infrastructure maintenance. In fiscal year 2024-2025, schools receive the largest share at 44.8% of property tax revenue, followed by county services at 13.0%, cities at 12.4%, and special districts at 3.3%.

What makes San Diego County's property tax system unique is its rapid assessment growth and comprehensive online services. The 2025-2026 assessment roll grew by 4.95% and broke records with $806 billion in total assessed value, marking the 13th consecutive year of positive growth. The county's Treasurer-Tax Collector and Assessor offices provide extensive digital resources for property owners, including online payment systems, supplemental tax calculators, and detailed property information databases. Property owners benefit from California's Proposition 13 protections, which limit annual assessment increases to 2% for properties that haven't changed ownership, while new construction and ownership transfers trigger immediate reassessment to current market value.

Section 2

What Makes Up Your Tax Bill

Tax ComponentPercentage of TotalPurpose
Schools44.8%K-12 education, community colleges
County General Services13.0%Public safety, health services, courts
Cities12.4%Municipal services, police, fire
Redevelopment Property Tax Trust Fund12.5%Former redevelopment debt service
County In Lieu of Vehicle License Fee8.0%County services replacement funding
Cities In Lieu of Vehicle License Fee5.3%City services replacement funding
Special Districts3.3%Fire districts, water districts, lighting
County Library0.7%Public library system

Total Base Rate: 1.00% (Proposition 13 limit) Additional Voter-Approved Rates: Varies by location

The property tax rate in San Diego County starts with the constitutionally-mandated 1% base rate established by Proposition 13 in 1978. Additional voter-approved bonds and special assessments can increase the total rate, with actual rates varying by specific tax rate areas within the county. These additional rates fund school bonds, infrastructure improvements, and special district services. The County Auditor calculates and applies these rates annually, with rate changes requiring voter approval. Property owners in different areas of the county may pay different total rates depending on which special districts serve their property and what local bonds have been approved by voters.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in San Diego 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 your property undergoes a change in ownership or completion of new construction during the fiscal year. California law requires the County Assessor to immediately reappraise property value when these triggering events occur, rather than waiting for the next regular assessment cycle. The supplemental assessment represents the difference between the property's old assessed value and its new assessed value as of the date of the triggering event.

When Supplemental Taxes Are Assessed:

  • Change of Ownership: Sale, transfer, or inheritance of property
  • New Construction: Completion of additions, pools, or new structures
  • Major Improvements: Substantial renovations that add value

How Supplemental Taxes Are Calculated: The calculation involves four steps: First, the Assessor determines the difference between the new assessed value and the previous assessed value. Second, this difference is multiplied by the applicable tax rate for your area. Third, the result is prorated based on the number of months remaining in the fiscal year (July 1 through June 30). Finally, the supplemental bill is issued covering the period from the triggering event through June 30.

Common Scenarios: If you purchase a home in January that was previously assessed at $400,000 but sells for $600,000, you'll receive a supplemental bill for the $200,000 difference in assessed value, prorated for the remaining six months of the fiscal year. New construction completed in March will generate a supplemental bill for the added value from March through June. Supplemental bills are separate from your regular annual property tax bill and have different payment due dates.

Example Calculation
$300,000 Home$2,930/year
Assessed Value:$300,000
Less Homeowners' Exemption:-$7,000
Net Taxable × 1%:$2,930
Monthly (Escrow):$244
$600,000 Home$5,930/year
Assessed Value:$600,000
Less Homeowners' Exemption:-$7,000
Net Taxable × 1%:$5,930
Monthly (Escrow):$494
$1,000,000 Home$9,930/year
Assessed Value:$1,000,000
Less Homeowners' Exemption:-$7,000
Net Taxable × 1%:$9,930
Monthly (Escrow):$828

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Section 5

Escrow & Property Taxes

Property Details: Single-family home, purchased January 15, 2025, previous assessed value $250,000

  • New Assessed Value: $300,000
  • Base Tax Rate: 1.00%
  • Annual Tax (full year): $300,000 × 1.00% = $3,000
  • With Homeowner's Exemption: ($300,000 - $7,000) × 1.00% = $2,930
  • Regular Bill Payment Schedule: $1,465 due November 1, $1,465 due April 10

Supplemental Tax Calculation:

  • Value Difference: $300,000 - $250,000 = $50,000
  • Supplemental Annual Tax: $50,000 × 1.00% = $500
  • Proration (5.5 months remaining): $500 × 5.5/12 = $229.17
  • Total First-Year Tax: $2,930 + $229.17 = $3,159.17
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

Property Details: Single-family home with additional special district assessments

  • Assessed Value: $600,000
  • Base Tax Rate: 1.00%
  • School Bond Assessment: 0.15%
  • Fire District Assessment: 0.08%
  • Total Tax Rate: 1.23%
  • Annual Tax: $600,000 × 1.23% = $7,380
  • With Homeowner's Exemption: ($600,000 - $7,000) × 1.23% = $7,294.10
  • Payment Schedule: $3,647.05 due November 1, $3,647.05 due April 10

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