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Updated 2025 Tax Year

Santa Clara County
Property Tax Guide

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

10 Official Sources
8 min read
Quick Facts
Tax Rate
1.15% - 1.40%
1st Due
Dec 10
2nd Due
Apr 10
Exemptions
4+ Available
Section 1

How Property Tax Works

Santa Clara County operates under California's property tax system, which is governed by Proposition 13 and provides significant protections for homeowners through assessed value caps and transfer restrictions. Property taxes in Santa Clara County fund essential local services including public schools, fire protection, police services, libraries, parks, and county government operations. The county's Department of Tax and Collections (DTAC) manages the billing and collection process for all property taxes within the county's boundaries.

What makes Santa Clara County's property tax system unique is the combination of California's Proposition 13 protections with the county's high property values and diverse special assessment districts. The county includes 15 incorporated cities, numerous school districts, and various special districts that each levy their own portions of the total property tax bill. Additionally, Santa Clara County has specific parcel taxes and special assessments that can vary significantly by location, making it essential for homeowners to understand both the base property tax calculation and any additional local levies that may apply to their specific property.

The county follows California's fiscal year schedule, with tax bills covering the period from July 1 through June 30 of the following year. Property tax bills for fiscal year 2025-26 are mailed starting October 1, 2025, with payment due dates that allow homeowners to pay in two installments or as a single annual payment.

Section 2

What Makes Up Your Tax Bill

Tax ComponentTypical Rate RangePurpose
Base County Rate1.000%General county services, schools
City Taxes0.000% - 0.500%Municipal services
School District Bonds0.200% - 0.800%School facility improvements
Special Districts0.100% - 0.300%Fire, water, sanitation, transit
Total Effective Rate1.150% - 1.400%Combined rate varies by location

Based on 2025 data, the City of Campbell saw its rate increase from 9.375% to 9.875% due to a new 0.500% city tax. However, this data appears to reference sales tax rates rather than property tax rates. For property taxes, Santa Clara County's actual effective rates typically range from 1.15% to 1.40% of assessed value, depending on the specific location and applicable special assessments.

The base rate of 1.000% is set by Proposition 13 and applies countywide. Additional rates are determined by:

  • School Districts: Voter-approved bond measures for capital improvements
  • Cities: Municipal bonds and special assessments for city services
  • Special Districts: Fire protection, water, sanitation, and transportation districts
  • Parcel Taxes: Fixed-dollar amounts per parcel for specific services

Your specific tax rate depends on which taxing jurisdictions serve your property. Urban areas typically have higher rates due to more special districts and municipal services, while unincorporated areas may have lower rates but different service levels.

Section 3

When Are Property Taxes Due?

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

First Installment
Dec 10
Delinquent after Dec 10
Second Installment
Apr 10
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 property undergoes a change in ownership or new construction is completed. These taxes ensure that property tax adjustments take effect immediately rather than waiting for the next regular tax year. In Santa Clara County, most supplemental bills are mailed within nine months after a triggering event, with property owners receiving a Notification of Supplemental Assessment approximately 60 days before the bill is mailed.

When Supplemental Taxes Are Assessed:

  • Property sales or transfers
  • Completion of new construction
  • Major renovations that add value
  • Changes in property use or zoning

Timing and Calculation Rules:

  • January 1 - May 31 events: Generate TWO supplemental bills - one for the remaining current fiscal year and one for the entire following fiscal year
  • June 1 - December 31 events: Generate ONE supplemental bill covering the period from the first day of the month following the event through June 30

Payment Structure: Supplemental tax bills follow the same installment schedule as regular property taxes, with two payment options and the same delinquency dates. If December 10, April 10, or August 31 fall on a weekend or county holiday, the delinquent date extends to the next business day.

Common Example: If you purchase a home in March 2025 for $600,000 that was previously assessed at $400,000, you'll receive two supplemental bills. The first covers March through June 2025 based on the $200,000 assessment increase, and the second covers the full 2025-26 fiscal year based on the new $600,000 assessed value minus any applicable exemptions.

Example Calculation
$300,000 Home$3,370/year
Assessed Value:$300,000
Less Homeowners' Exemption:-$7,000
Net Taxable × 1.15%:$3,370
Monthly (Escrow):$281
$600,000 Home$6,820/year
Assessed Value:$600,000
Less Homeowners' Exemption:-$7,000
Net Taxable × 1.15%:$6,820
Monthly (Escrow):$568
$1,000,000 Home$11,420/year
Assessed Value:$1,000,000
Less Homeowners' Exemption:-$7,000
Net Taxable × 1.15%:$11,420
Monthly (Escrow):$952

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Section 5

Escrow & Property Taxes

Property Details:

  • Assessed Value: $300,000
  • Location: Unincorporated area
  • Effective Tax Rate: 1.200%
  • Homeowners' Exemption: $7,000

Calculation:

  1. Gross Assessed Value: $300,000
  2. Less Homeowners' Exemption: -$7,000
  3. Net Taxable Value: $293,000
  4. Annual Tax: $293,000 × 1.200% = $3,516

Payment Options:

  • First Installment (due December 10): $1,758
  • Second Installment (due April 10): $1,758
  • Or pay full amount by December 10
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:

  • Assessed Value: $600,000
  • Location: Incorporated city
  • Effective Tax Rate: 1.350%
  • Disabled Veterans' Exemption: $100,000

Calculation:

  1. Gross Assessed Value: $600,000
  2. Less Veterans' Exemption: -$100,000
  3. Net Taxable Value: $500,000
  4. Annual Tax: $500,000 × 1.350% = $6,750

Payment Options:

  • First Installment (due December 10): $3,375
  • Second Installment (due April 10): $3,375
  • 10% penalty applies after delinquent dates

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