Sutter Creek, Amador County, California Property Taxes
Property Taxes in Sutter Creek, California
Median Sutter Creek, California effective property tax rate: 0.99%, significantly lower than the national median of 1.02%, and lower than the California state median of 1.21%.
Median Sutter Creek, California home value: $331,922
Median annual Sutter Creek, California tax bill: $3,255, $855 higher than the national median property tax bill of $2,400.
How are property taxes in Amador calculated?
Property taxes in Sutter Creek, California 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 Sutter Creek's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Sutter Creek, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Sutter Creek, Amador County, California Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.99%
Estimate Property Tax Bill
$3,286
$3,049
How Does the Sutter Creek Property Tax Calculator Work?
Use this Sutter Creek property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Sutter Creek's median effective tax rate of 0.99% — based on actual property records in Amador County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Sutter Creek's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Your bill may vary by ZIP code within Sutter Creek: rates range from 0.99% in 95685 to 0.99% in 95685, primarily due to differences in school district levies and local assessment districts.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Sutter Creek.
About Sutter Creek Property Taxes
About Property Taxes in Sutter Creek, Amador, California
Sutter Creek’s median effective property tax rate of 0.99% is lower than the California state median of 1.21% and lower than the national median of 1.02%. This rate reflects the Amador County base levy combined with local school district levies and Mello-Roos Community Facility Districts that vary by subdivision throughout the city.
Property tax rates are not uniform across Sutter Creek. Homeowners in ZIP code 95685 carry a median effective rate of 0.99%, and the same ZIP also reflects the city’s median tax bill of $3,255. Understanding how your assessed value is set can make a meaningful difference to your annual tax bill.
Sutter Creek homeowners who believe their assessed value is too high can file a formal appeal with the Tax Assessor before November 30, 2026.
If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.
Property Tax Rates Across Sutter Creek, Amador County, California
As noted earlier, local government entities set tax rates, which can vary widely within a state.
Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.
While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.
Below, you can compare Sutter Creek's effective property tax rate to other cities in California and the median property tax rates in California and the U.S.
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 Sutter Creek Tax Rate
0.99%
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 Amador County Tax Rate
1.00%
Median Effective California Tax Rate
1.21%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Sutter Creek, Amador County, California
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 95685 | 0.95% | 0.98% | 0.99% | 1.00% | 1.02% |
Source: Ownwell
Property Tax Assessment Values Across Sutter Creek, Amador County, California
When examining property taxes in Sutter Creek, California, 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 Amador County assessment office 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.
Assessment notices are sent in the spring each year and typically reach your mailbox by the middle of May.
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. In Sutter Creek, the median home price is $331,922, and the median tax bill is $3,255, compared with the national median property tax rate of 1.02% and national median property tax bill of $2,400. ZIP code 95685 has the highest median home price at $331,922.
Property Tax Assessment Values Across Sutter Creek, Amador County, California
Source: Ownwell
$114,638
$317,204
$519,770
Median Sutter Creek Market Value
$331,922
Median Amador County Market Value
$298,594
Median California Market Value
$427,605
Median United States Market Value
$235,294
Property Tax Assessment Values Across Sutter Creek, Amador County, California
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 95685 | $90,644 | $198,208 | $331,922 | $482,220 | $651,756 |
Source: Ownwell
Property Tax Bills Across Sutter Creek, Amador County, California
Property tax bills in Sutter Creek are based on the assessed value of a home, which is then multiplied by the local tax rate. The assessed value is influenced by the market value of the property and any applicable local assessments, so homes with higher values generally face larger tax bills. For homeowners in Sutter Creek, the median home price is $331,922, and the median property tax bill is $3,255, which is above the national median property tax bill of $2,400.
Property tax bills can vary widely across the city. The 25th percentile tax bill is $1,907, while the 75th percentile is $4,781, and the 90th percentile reaches $6,423. This means some homeowners pay relatively modest amounts, while others face much higher annual costs depending on the assessed value of their property and the specific tax rate applied. In Sutter Creek, property taxes can have a meaningful impact on household budgets, especially for owners of higher-value homes.
Median Sutter Creek Tax Bill
$3,255
Median Amador County Tax Bill
$2,930
Median California Tax Bill
$5,134
Median United States Tax Bill
$2,400
Property Tax Bills Across Sutter Creek, Amador County, California
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 95685 | $918 | $1,907 | $3,255 | $4,781 | $6,423 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | November 30 |
Links | |
|---|---|
| Amador Tax Assessor | |
| Website | common1.mptsweb.com |