Upper Lake, Lake County, California Property Taxes
Property Taxes in Upper Lake, California
Median Upper Lake, California effective property tax rate: 1.16%, significantly lower than the national median of 1.02%, and lower than the California state median of 1.21%.
Median Upper Lake, California home value: $217,385
Median annual Upper Lake, California tax bill: $2,488, $88 higher than the national median property tax bill of $2,400.
How are property taxes in Lake County calculated?
Property taxes in Upper Lake, 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 Upper Lake's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Upper Lake, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Upper Lake, Lake County, California Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.16%
Estimate Property Tax Bill
$2,522
$2,340
How Does the Upper Lake Property Tax Calculator Work?
Use this Upper Lake property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Upper Lake's median effective tax rate of 1.16% — based on actual property records in Lake County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local assessment office uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Upper Lake'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 Upper Lake: rates are 1.16% in 95485, 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 Upper Lake.
About Upper Lake Property Taxes
About Property Taxes in Upper Lake, Lake, California
Upper Lake's median effective property tax rate of 1.16% is lower than the California state median of 1.21% and higher than the national median of 1.02%. This rate reflects the Lake 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 Upper Lake. Homeowners in the 95485 ZIP code carry a median effective rate of 1.16%, while those in the same ZIP also pay 1.16%. This reflects how school district boundaries and local assessment districts are drawn across Lake County. Understanding which part of Upper Lake you live in can make a meaningful difference to your annual tax bill.
Upper Lake 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 Upper Lake, Lake 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 Upper Lake'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 Upper Lake Tax Rate
1.16%
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 Lake County Tax Rate
1.19%
Median Effective California Tax Rate
1.21%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Upper Lake, Lake County, California
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 95485 | 1.12% | 1.13% | 1.16% | 1.19% | 1.27% |
Source: Ownwell
Property Tax Assessment Values Across Upper Lake, Lake County, California
When examining property taxes in Upper Lake, 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 Lake 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 Lake County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of the month.
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. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Upper Lake.
For example, the median home price in Upper Lake is $217,385, with tax bills ranging significantly across the county. 95485 has the highest median home price at $217,385.
Property Tax Assessment Values Across Upper Lake, Lake County, California
Source: Ownwell
$105,069
$206,356
$307,642
Median Upper Lake Market Value
$217,385
Median Lake County Market Value
$215,510
Median California Market Value
$427,605
Median United States Market Value
$235,294
Property Tax Assessment Values Across Upper Lake, Lake County, California
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 95485 | $56,089 | $132,600 | $217,385 | $329,676 | $447,120 |
Source: Ownwell
Property Tax Bills Across Upper Lake, Lake County, California
Property tax bills in Upper Lake are calculated from the assessed value of a home and the local tax rate set by Lake County. When a property’s market value changes, the assessed value can change too, which affects the final bill homeowners receive. For a home with a median price of $217,385, the tax bill is shaped by how that value is assessed and by any local levies or voter-approved charges included in the rate.
Homeowners in Upper Lake typically see bills that vary widely depending on property value and location. The 25th percentile tax bill is $1,495, while the 75th percentile is $3,826 and the 90th percentile is $5,082. The median tax bill in the area is $2,488, which is above the national median property tax bill of $2,400. That means property taxes can have a meaningful impact on monthly housing costs and long-term affordability for local homeowners.
Median Upper Lake Tax Bill
$2,488
Median Lake County Tax Bill
$2,503
Median California Tax Bill
$5,134
Median United States Tax Bill
$2,400
Property Tax Bills Across Upper Lake, Lake County, California
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 95485 | $617 | $1,495 | $2,488 | $3,826 | $5,082 |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | November 30 |
Links | |
|---|---|
| Lake Tax Assessor | |
| Website | common2.mptsweb.com |