San Francisco, San Francisco County, California Property Taxes
Property Taxes in San Francisco, California
Median San Francisco, California effective property tax rate: 1.22%, significantly higher than the national median of 1.02%, and higher than the California state median of 1.21%.
Median San Francisco, California home value: $772,647
Median annual San Francisco, California tax bill: $9,489, $7,089 higher than the national median property tax bill of $2,400.
How are property taxes in San Francisco County calculated?
Property taxes in San Francisco, 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 Francisco's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in San Francisco, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
San Francisco, San Francisco County, California Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.22%
Estimate Property Tax Bill
$9,426
$8,747
$774
Average Annual Tax Savings
How Does the San Francisco Property Tax Calculator Work?
Use this San Francisco property tax calculator to estimate your annual tax bill. Enter your property's assessed value and our calculator applies San Francisco's median effective tax rate of 1.22% — based on actual property records in San Francisco County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local assessment system 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 Francisco'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 Francisco: median tax bills range from $6,124 in 94124 to $22,005 in 94130, primarily due to differences in school district levies and local assessment districts. San Francisco's median tax bill of $9,489 is higher than the $2,400 national median and slightly higher than California's 1.21% median tax rate.
If your estimate is higher than expected, Ownwell can appeal your San Francisco assessment — you only pay if we save you money.
About San Francisco Property Taxes
About Property Taxes in San Francisco, San Francisco, California
San Francisco's median effective property tax rate of 1.22% is higher than the California state median of 1.21% and higher than the national median of 1.02%. This rate reflects the San Francisco 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 Francisco. Homeowners in the 94130 ZIP code carry a median effective rate of 1.70%, while those in 94123 pay 1.19%. This spread — 0.51 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across San Francisco County. Understanding which part of San Francisco you live in can make a meaningful difference to your annual tax bill.
San Francisco homeowners who believe their assessed value is too high can file a formal appeal with the local Tax Assessor before September 15, 2026 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 Francisco, San Francisco 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 Francisco'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 Francisco, San Francisco County, California
Source: Ownwell
1.19%
1.45%
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 San Francisco Tax Rate
1.22%
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 Francisco County Tax Rate
1.22%
Median Effective California Tax Rate
1.21%
Median Effective United States Tax Rate
1.02%
San Francisco, California vs Similar California Cities
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 Los Angeles Tax Rate
1.26%
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 Diego Tax Rate
1.20%
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 Jose Tax Rate
1.46%
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 Sacramento Tax Rate
1.20%
Property Tax Rates Across San Francisco, San Francisco County, California
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 94102 | 1.18% | 1.22% | 1.27% | 1.36% | 1.50% |
| 94103 | 1.18% | 1.23% | 1.29% | 1.40% | 1.56% |
| 94104 | 1.20% | 1.24% | 1.47% | 1.75% | 1.92% |
| 94105 | 1.18% | 1.21% | 1.25% | 1.35% | 1.59% |
| 94107 | 1.17% | 1.20% | 1.24% | 1.31% | 1.43% |
| 94108 | 1.16% | 1.18% | 1.24% | 1.31% | 1.48% |
| 94109 | 1.15% | 1.18% | 1.23% | 1.30% | 1.47% |
| 94110 | 1.16% | 1.19% | 1.22% | 1.31% | 1.54% |
| 94111 | 1.15% | 1.19% | 1.23% | 1.30% | 1.44% |
| 94112 | 1.16% | 1.19% | 1.24% | 1.33% | 1.56% |
| 94114 | 1.15% | 1.18% | 1.20% | 1.26% | 1.43% |
| 94115 | 1.15% | 1.17% | 1.21% | 1.29% | 1.57% |
| 94116 | 1.15% | 1.17% | 1.21% | 1.29% | 1.54% |
| 94117 | 1.16% | 1.18% | 1.21% | 1.27% | 1.45% |
| 94118 | 1.15% | 1.17% | 1.20% | 1.26% | 1.51% |
| 94121 | 1.15% | 1.17% | 1.20% | 1.27% | 1.51% |
| 94122 | 1.15% | 1.17% | 1.22% | 1.30% | 1.54% |
| 94123 | 1.15% | 1.17% | 1.19% | 1.24% | 1.40% |
| 94124 | 1.16% | 1.22% | 1.28% | 1.41% | 1.90% |
| 94127 | 1.15% | 1.17% | 1.19% | 1.24% | 1.39% |
| 94130 | 1.36% | 1.58% | 1.70% | 1.76% | 1.86% |
| 94131 | 1.15% | 1.18% | 1.21% | 1.27% | 1.48% |
| 94132 | 1.15% | 1.18% | 1.22% | 1.28% | 1.43% |
| 94133 | 1.16% | 1.18% | 1.22% | 1.29% | 1.47% |
| 94134 | 1.16% | 1.20% | 1.25% | 1.34% | 1.58% |
| 94158 | 1.21% | 1.24% | 1.29% | 1.38% | 1.48% |
Source: Ownwell
$774
Average Annual Tax Savings
Save on Your Property Taxes and More With Ownwell
Property Tax Assessment Values Across San Francisco, San Francisco County, California
When examining property taxes in San Francisco, 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 San Francisco 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 San Francisco County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of August.
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 Francisco is $772,647, with tax bills ranging significantly across the county. ZIP code 94130 has the highest median home price at $1,685,649.
Property Tax Assessment Values Across San Francisco, San Francisco County, California
Source: Ownwell
$474,669
$1,080,159
$1,685,649
Median San Francisco Market Value
$772,647
Median San Francisco County Market Value
$772,647
Median California Market Value
$427,605
Median United States Market Value
$235,294
San Francisco, California vs Similar California Cities
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 Los Angeles Market Value
$471,070
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 San Diego Market Value
$492,552
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 San Jose Market Value
$616,024
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 Sacramento Market Value
$301,506
Property Tax Assessment Values Across San Francisco, San Francisco County, California
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 94102 | $274,398 | $431,384 | $700,000 | $1,024,532 | $1,407,898 |
| 94103 | $317,387 | $477,521 | $748,659 | $1,092,106 | $1,824,404 |
| 94104 | $697,718 | $901,005 | $1,224,818 | $1,596,714 | $2,129,813 |
| 94105 | $451,000 | $727,240 | $1,089,000 | $1,678,054 | $2,546,898 |
| 94107 | $307,951 | $549,239 | $885,907 | $1,268,718 | $1,798,724 |
| 94108 | $289,929 | $520,391 | $782,630 | $1,446,116 | $2,648,548 |
| 94109 | $271,646 | $519,000 | $862,232 | $1,375,725 | $2,193,406 |
| 94110 | $139,428 | $368,703 | $837,031 | $1,390,493 | $1,949,644 |
| 94111 | $378,878 | $606,608 | $879,778 | $1,288,286 | $1,911,567 |
| 94112 | $89,965 | $279,412 | $514,083 | $888,261 | $1,248,479 |
| 94114 | $210,377 | $578,276 | $1,144,427 | $1,891,691 | $2,792,324 |
| 94115 | $153,723 | $483,716 | $1,027,251 | $1,867,696 | $3,799,532 |
| 94116 | $104,542 | $305,732 | $621,719 | $1,120,587 | $1,647,751 |
| 94117 | $230,024 | $525,401 | $1,028,909 | $1,715,927 | $2,565,689 |
| 94118 | $147,107 | $425,082 | $981,987 | $1,857,394 | $3,074,817 |
| 94121 | $123,813 | $343,939 | $792,620 | $1,408,920 | $2,150,000 |
| 94122 | $111,072 | $320,059 | $620,476 | $1,138,841 | $1,673,113 |
| 94123 | $287,695 | $709,464 | $1,436,330 | $2,626,757 | $4,498,740 |
| 94124 | $116,272 | $274,044 | $474,669 | $784,324 | $1,028,309 |
| 94127 | $132,449 | $417,695 | $963,892 | $1,651,441 | $2,358,629 |
| 94130 | $659,085 | $1,036,282 | $1,685,649 | $2,564,943 | $3,352,877 |
| 94131 | $141,332 | $373,142 | $834,815 | $1,515,314 | $2,228,536 |
| 94132 | $128,858 | $365,213 | $688,598 | $1,112,490 | $1,577,623 |
| 94133 | $220,764 | $538,437 | $1,024,508 | $1,776,517 | $2,845,946 |
| 94134 | $95,965 | $259,908 | $498,349 | $816,970 | $1,114,266 |
| 94158 | $641,400 | $870,500 | $1,139,641 | $1,486,330 | $1,805,081 |
Source: Ownwell
$774
Average Annual Tax Savings
Save on Your Property Taxes and More With Ownwell
Property Tax Bills Across San Francisco, San Francisco County, California
San Francisco property tax bills are based on the assessed value of a home, not its market price alone. The bill is determined by applying the local tax rate to the assessed value, and that assessment can be influenced by factors such as location, property characteristics, and changes in value over time. With a median home price of $772,647, many homeowners face substantial tax obligations, especially when compared with the national median property tax rate of 1.02% and national median property tax bill of $2,400.
Property tax bills in San Francisco can vary widely, from $6,124 in the lowest median-tax ZIP code to $22,005 in the highest median-tax ZIP code. That means homeowners may pay very different amounts depending on where they live within the city.
Ownwell helps homeowners save by reviewing assessments, identifying opportunities for property tax appeals, and pursuing exemptions when available. By challenging an unfair assessment, Ownwell can help reduce the property tax bill and lower ongoing housing costs.
Property Tax Bills Across San Francisco, San Francisco County, California
Source: Ownwell
$6,124
$14,065
$22,005
Median San Francisco Tax Bill
$9,489
Median San Francisco County Tax Bill
$9,489
Median California Tax Bill
$5,134
Median United States Tax Bill
$2,400
San Francisco, California vs Similar California Cities
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 Los Angeles Tax Bill
$6,124
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 San Diego Tax Bill
$5,736
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 San Jose Tax Bill
$8,999
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 Sacramento Tax Bill
$3,642
Property Tax Bills Across San Francisco, San Francisco County, California
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 94102 | $3,836 | $5,659 | $8,870 | $12,799 | $16,985 |
| 94103 | $4,370 | $6,304 | $9,493 | $13,438 | $22,704 |
| 94104 | $9,256 | $12,914 | $19,350 | $25,400 | $31,059 |
| 94105 | $6,202 | $9,372 | $13,532 | $21,559 | $34,426 |
| 94107 | $4,243 | $7,151 | $11,056 | $15,618 | $21,315 |
| 94108 | $3,967 | $6,500 | $9,824 | $17,392 | $31,288 |
| 94109 | $3,720 | $6,537 | $10,355 | $16,118 | $26,098 |
| 94110 | $2,224 | $4,770 | $10,226 | $16,538 | $23,165 |
| 94111 | $5,098 | $7,463 | $11,091 | $15,705 | $23,682 |
| 94112 | $1,547 | $3,566 | $6,366 | $10,733 | $14,918 |
| 94114 | $3,023 | $7,138 | $13,808 | $22,428 | $32,669 |
| 94115 | $2,430 | $5,998 | $12,261 | $21,808 | $43,980 |
| 94116 | $1,755 | $3,869 | $7,529 | $13,341 | $19,598 |
| 94117 | $3,130 | $6,548 | $12,384 | $20,390 | $30,108 |
| 94118 | $2,297 | $5,402 | $11,972 | $22,023 | $36,105 |
| 94121 | $1,887 | $4,289 | $9,533 | $16,605 | $25,410 |
| 94122 | $1,842 | $4,021 | $7,524 | $13,436 | $19,741 |
| 94123 | $3,929 | $8,586 | $16,968 | $30,830 | $52,029 |
| 94124 | $1,844 | $3,678 | $6,124 | $10,211 | $13,572 |
| 94127 | $1,938 | $5,039 | $11,404 | $19,366 | $27,180 |
| 94130 | $7,077 | $17,539 | $22,005 | $30,542 | $40,250 |
| 94131 | $2,019 | $4,629 | $9,951 | $17,824 | $25,863 |
| 94132 | $1,936 | $4,611 | $8,335 | $13,161 | $18,553 |
| 94133 | $3,285 | $6,866 | $12,363 | $21,036 | $33,732 |
| 94134 | $1,561 | $3,409 | $6,245 | $9,951 | $13,356 |
| 94158 | $8,683 | $11,706 | $15,217 | $18,941 | $23,407 |
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 | September 15 |
| Tax Bill | |
| Issued | October 1 |
| Due Date #1 | December 10 |
| Due Date #2 | April 10 |
Links | |
|---|---|
| San Francisco Tax Assessor | |
| Website | sfplanninggis.org |