San Pablo, Contra Costa County, California Property Taxes
Property Taxes in San Pablo, California
Median San Pablo, California effective property tax rate: 1.70%, significantly higher than the national median of 1.02%, and higher than the California state median of 1.21%.
Median San Pablo, California home value: $317,564
Median annual San Pablo, California tax bill: $5,177, $2,777 higher than the national median property tax bill of $2,400.
How are property taxes in Contra Costa calculated?
Property taxes in San Pablo, 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 San Pablo's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in San Pablo, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
San Pablo, Contra Costa County, California Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.7%
Estimate Property Tax Bill
$5,399
$5,010
$774
Average Annual Tax Savings
How Does the San Pablo Property Tax Calculator Work?
Use this San Pablo property tax calculator to estimate your annual tax bill. Enter your property's assessed value and our calculator applies San Pablo's median effective tax rate of 1.70% — based on actual property records in Contra Costa 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 San Pablo'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 San Pablo: rates range from $3,003.00 in 94803 to $6,180.00 in 94805, primarily due to differences in school district levies and local assessment districts.
If your estimate is higher than expected, Ownwell can appeal your San Pablo assessment — you only pay if we save you money.
About San Pablo Property Taxes
About Property Taxes in San Pablo, Contra Costa, California
San Pablo’s median effective property tax rate of 1.70% is higher than the California state median of 1.21% and higher than the national median of 1.02%. This rate reflects the Contra Costa 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 San Pablo. Homeowners in the 94806 ZIP code carry a median effective rate of 1.70%, while those in 94805 pay 1.56%. This spread reflects how school district boundaries and local assessment districts are drawn across Contra Costa County, and it can make a meaningful difference to your annual tax bill.
San Pablo homeowners who believe their assessed value is too high can file a formal appeal with the Tax Assessor before the December 1, 2026 deadline each year.
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 San Pablo, Contra Costa 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 San Pablo'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 San Pablo Tax Rate
1.70%
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 Contra Costa County Tax Rate
1.31%
Median Effective California Tax Rate
1.21%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across San Pablo, Contra Costa County, California
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 94803 | 1.23% | 1.26% | 1.66% | 1.91% | 2.24% |
| 94805 | 1.36% | 1.46% | 1.56% | 1.82% | 2.04% |
| 94806 | 1.44% | 1.54% | 1.70% | 1.93% | 2.44% |
Source: Ownwell
$774
Average Annual Tax Savings
Save on Your Property Taxes and More With Ownwell
Property Tax Assessment Values Across San Pablo, Contra Costa County, California
When examining property taxes in San Pablo, 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 Contra Costa County appraisal district 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:
In Contra Costa County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of October.
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. The median home price in San Pablo is $317,564, with median tax bills at $5,177. Tax bills range from $3,485 at the 25th percentile to $7,743 at the 75th percentile, and $10,003 at the 90th percentile. For example, ZIP code 94805 has the highest median home price at $395,352, while ZIP code 94803 has the lowest median tax bill at $3,003.
Property Tax Assessment Values Across San Pablo, Contra Costa County, California
Source: Ownwell
$153,114
$1,176,704
$2,200,294
Median San Pablo Market Value
$317,564
Median Contra Costa County Market Value
$530,390
Median California Market Value
$427,605
Median United States Market Value
$235,294
Property Tax Assessment Values Across San Pablo, Contra Costa County, California
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 94803 | $6,823 | $10,625 | $153,114 | $259,066 | $369,453 |
| 94805 | $153,728 | $199,068 | $395,352 | $540,258 | $590,565 |
| 94806 | $101,762 | $186,593 | $318,482 | $508,238 | $654,484 |
Source: Ownwell
$774
Average Annual Tax Savings
Save on Your Property Taxes and More With Ownwell
Property Tax Bills Across San Pablo, Contra Costa County, California
Property tax bills in San Pablo are based on the assessed value of a home, and that value is a major factor in what homeowners pay each year. With a median home price of $317,564, local tax bills can vary widely depending on the property’s assessed value and where it is located within Contra Costa County. The 25th percentile tax bill is $3,485, while the 75th percentile reaches $7,743, showing how quickly costs can rise for homeowners. At the high end, the 90th percentile tax bill is $10,003, which is well above the national median property tax bill of $2,400.
A higher assessed value can mean a much larger property tax bill, even if the market has changed. That can put pressure on homeowners and make it important to review assessments carefully. Ownwell helps homeowners save by identifying opportunities to appeal overassessments and find exemptions, which can reduce property tax bills and keep more money in your pocket.
Property Tax Bills Across San Pablo, Contra Costa County, California
Source: Ownwell
$3,003
$13,751
$24,499
Median San Pablo Tax Bill
$5,177
Median Contra Costa County Tax Bill
$6,979
Median California Tax Bill
$5,134
Median United States Tax Bill
$2,400
Property Tax Bills Across San Pablo, Contra Costa County, California
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 94803 | $76 | $132 | $3,003 | $4,521 | $5,789 |
| 94805 | $3,144 | $3,660 | $6,180 | $8,030 | $8,629 |
| 94806 | $2,422 | $3,492 | $5,192 | $7,751 | $10,013 |
Source: Ownwell
$774
Average Annual Tax Savings
Save on Your Property Taxes and More With Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Property Valuation Date | January 1 |
| Appeal Deadline | December 1 |
| Tax Bill | |
| Issued | October 1 |
| Due Date #1 | December 10 |
| Due Date #2 | April 10 |
Links | |
|---|---|
| Contra Costa Tax Assessor | |
| Website | www.contracosta.ca.gov |