Home
/US Property Taxes
/California
/Orange County
/San Clemente

San Clemente, Orange County, California Property Taxes

$774 avg. annual savings
No Upfront Costs
You only pay if we save

Property Taxes in San Clemente, California

  • Median San Clemente, California effective property tax rate: 1.01%, significantly lower than the national median of 1.02%, and lower than the California state median of 1.21%.

  • Median San Clemente, California home value: $779,558

  • Median annual San Clemente, California tax bill: $8,357, $5,957 higher than the national median property tax bill of $2,400.

How are property taxes in Orange County calculated?

Property taxes in San Clemente, 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 Clemente's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in San Clemente, knowing local tax details benefits homeowners and investors.

Last Updated April 13, 2026

San Clemente, Orange County, California Property Tax Bill Calculator

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.01%

Estimate Property Tax Bill

$7,874

$7,306

SAVE WITH OWNWELL

$774

Average Annual Tax Savings

How Does the San Clemente Property Tax Calculator Work?

Use this San Clemente property tax calculator to estimate your annual tax bill. Enter your property's assessed value and our calculator applies San Clemente's median effective tax rate of 1.01% — based on actual property records in Orange County — to generate your estimate.

Enter your property's estimated assessed value — the figure the local assessment process 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 Clemente'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 Clemente: rates range from $7,077 in 92672 to $9,767 in 92673, primarily due to differences in school district levies and local assessment districts.

San Clemente's median property tax bill of $8,357 is lower than the California median of 1.21% on rate, but higher than the national median property tax rate of 1.02%. If your estimate is higher than expected, Ownwell can appeal your San Clemente assessment — you only pay if we save you money.

About San Clemente Property Taxes

About Property Taxes in San Clemente, Orange, California

San Clemente’s median effective property tax rate of 1.01% is lower than the California state median of 1.21% and higher than the national median of 1.02%. This rate reflects the Orange 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 Clemente. Homeowners in the 92673 ZIP code carry a median effective rate of 1.02%, while those in 92672 pay 1.01%. This spread — 0.01 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Orange County. Understanding which part of San Clemente you live in can make a meaningful difference to your annual tax bill.

San Clemente homeowners who believe their assessed value is too high can file a formal appeal with the Orange County 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 Clemente, Orange 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 Clemente's effective property tax rate to other cities in California and the median property tax rates in California and the U.S.

Property Tax Rates Across San Clemente, Orange County, California

Source: Ownwell

1.01%

1.31%

1.62%

Our median effective property tax rate (tax bill Ă· 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 Clemente Tax Rate

1.01%

Our median effective property tax rate (tax bill Ă· 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 Orange County Tax Rate

1.14%

Median Effective California Tax Rate

1.21%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across San Clemente, Orange County, California

Zip10th Percentile25th PercentileMedian Tax Rate75th Percentile90th Percentile
926721.00%1.00%1.01%1.02%1.08%
926731.00%1.01%1.02%1.30%1.43%

Source: Ownwell

Property Tax Assessment Values Across San Clemente, Orange County, California

When examining property taxes in San Clemente, 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. Orange County 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 Orange 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 Clemente is $779,558, with tax bills ranging significantly across the county. Zip code 92673 has the highest median home price at $861,472.

Property Tax Assessment Values Across San Clemente, Orange County, California

Source: Ownwell

$282,854

$1,344,436

$2,406,018

Median San Clemente Market Value

$779,558

Median Orange County Market Value

$539,567

Median California Market Value

$427,605

Median United States Market Value

$235,294

Property Tax Assessment Values Across San Clemente, Orange County, California

Zip10th Percentile25th PercentileMedian Home Price75th Percentile90th Percentile
92672$195,500$382,802$692,000$1,126,175$1,822,837
92673$364,059$576,139$861,472$1,199,104$1,611,718

Source: Ownwell

Property Tax Bills Across San Clemente, Orange County, California

San Clemente property tax bills are based on the assessed value of a home, which is influenced by local market conditions and the county’s tax rate. With a median home price of $779,558, homeowners in San Clemente often see bills that vary widely depending on where their property falls within the city and how it is assessed. The 25th percentile tax bill is $4,866, while the 75th percentile is $13,141 and the 90th percentile reaches $19,435. That means many homeowners pay well above the national median property tax bill of $2,400.

What determines the bill? The assessed value, local levies, and exemptions all play a role. Even small assessment errors can raise a homeowner’s bill more than expected. Ownwell helps homeowners review their property tax assessments, identify opportunities for savings, and file appeals when a property is overassessed. By challenging an unfair assessment, Ownwell can help reduce property tax bills and keep more money in homeowners’ pockets.

Property Tax Bills Across San Clemente, Orange County, California

Source: Ownwell

$3,274

$14,944

$26,613

Median San Clemente Tax Bill

$8,357

Median Orange County Tax Bill

$6,177

Median California Tax Bill

$5,134

Median United States Tax Bill

$2,400

Property Tax Bills Across San Clemente, Orange County, California

Zip10th Percentile25th PercentileMedian Tax Bill75th Percentile90th Percentile
92672$2,016$3,891$7,077$11,523$19,211
92673$3,760$6,373$9,767$14,337$19,547

Source: Ownwell

Don't miss the deadline to appeal!

Frequently Asked Property Tax Questions in San Clemente, California

How are property taxes calculated in San Clemente, California?
Property taxes in San Clemente, California are calculated by multiplying your property's assessed value by the applicable tax rate set by local taxing authorities. The assessed value is determined by the county assessor and may differ from your property's market value depending on local assessment ratios and exemptions.
How do I appeal my property taxes in San Clemente, California?
To appeal your property taxes in San Clemente, California, you typically need to file a formal protest or appeal with your local appraisal district or assessor's office by the stated deadline. You'll need evidence such as comparable sales, a recent independent appraisal, or documentation of property condition issues. Ownwell can handle this entire process for you.
What property tax exemptions are available in San Clemente, California?
Common property tax exemptions in San Clemente, California include homestead exemptions for primary residences, senior citizen exemptions, veteran exemptions, and disability exemptions. Exemption amounts and eligibility requirements vary by county. Contact your local appraisal district or check Ownwell for details specific to your property.
When are property taxes due in San Clemente, California?
Property tax deadlines in San Clemente, California vary by county but typically include an assessment notice period in spring or early summer, followed by an appeal deadline, and a tax payment due date in the fall or winter. Check with your county assessor's office for specific dates in your area.
How can Ownwell help reduce my property taxes in San Clemente, California?
Ownwell provides professional property tax appeal services in San Clemente, California. Our team analyzes your assessment, gathers evidence, files all paperwork, and represents you at hearings — all with no upfront cost. You only pay a percentage of your savings if we successfully lower your tax bill.