Cambria, San Luis Obispo County, California Property Taxes
Property Taxes in Cambria, California
Median Cambria, California effective property tax rate: 1.08%, significantly higher than the national median of 1.02%, and lower than the California state median of 1.21%.
Median Cambria, California home value: $598,284
Median annual Cambria, California tax bill: $6,362, $3,962 higher than the national median property tax bill of $2,400.
How are property taxes in San Luis Obispo calculated?
Property taxes in Cambria, 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 Cambria's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Cambria, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Cambria, San Luis Obispo County, California Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.08%
Estimate Property Tax Bill
$6,461
$5,996
How Does the Cambria Property Tax Calculator Work?
Use this Cambria property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Cambria's median effective tax rate of 1.08% — based on actual property records in San Luis Obispo 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 Cambria'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 Cambria: rates are 1.08% in 93428, primarily due to differences in school district levies and local assessment districts. Cambria's median effective tax rate is lower than the 1.21% state median tax rate, but the $6,362 median tax bill is higher than the national median property tax bill of $2,400.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Cambria.
About Cambria Property Taxes
About Property Taxes in Cambria, San Luis Obispo, California
Cambria’s median effective property tax rate of 1.08% is lower than the California state median of 1.21% and higher than the national median of 1.02%. This rate reflects the San Luis Obispo County base levy combined with local school district levies and other local assessments that vary by subdivision throughout the city.
Property tax rates are not uniform across Cambria. Homeowners in the 93428 ZIP code carry a median effective rate of 1.08%, while those in the same ZIP also pay 1.08%. This spread — 0 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across San Luis Obispo County. Understanding which part of Cambria you live in can make a meaningful difference to your annual tax bill.
Cambria homeowners who believe their assessed value is too high can file a formal appeal with the Tax Assessor before the September 15, 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 Cambria, San Luis Obispo 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 Cambria'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 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 Cambria Tax Rate
1.08%
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 Luis Obispo County Tax Rate
1.08%
Median Effective California Tax Rate
1.21%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Cambria, San Luis Obispo County, California
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 93428 | 1.05% | 1.07% | 1.08% | 1.11% | 1.16% |
Source: Ownwell
Property Tax Assessment Values Across Cambria, San Luis Obispo County, California
When examining property taxes in Cambria, 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 Luis Obispo County assessor 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 Luis Obispo County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of spring.
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 Cambria.
For example, the median home price in Cambria is $598,284, with tax bills ranging significantly across the county. 93428 has the highest median home price at $598,284.
Property Tax Assessment Values Across Cambria, San Luis Obispo County, California
Source: Ownwell
$279,528
$569,292
$859,056
Median Cambria Market Value
$598,284
Median San Luis Obispo County Market Value
$492,000
Median California Market Value
$427,605
Median United States Market Value
$235,294
Property Tax Assessment Values Across Cambria, San Luis Obispo County, California
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 93428 | $220,314 | $378,194 | $598,284 | $889,822 | $1,264,903 |
Source: Ownwell
Property Tax Bills Across Cambria, San Luis Obispo County, California
How are property tax bills calculated in Cambria?
Property tax bills in Cambria are based on the assessed value of a home, which is tied to its market value and local tax rates. For a home with a median home price of $598,284, the tax bill can vary widely depending on the property’s assessed value and any applicable exemptions or adjustments. The 25th percentile tax bill is $4,127, while the 75th percentile is $9,378 and the 90th percentile reaches $13,088. The median tax bill is $6,362 in ZIP code 93428, which is also the highest and lowest median tax bill reported for the area.
These bills affect homeowners by adding a recurring cost that can rise as property values increase. Because Cambria’s typical tax bill is well above the national median property tax bill of $2,400 and the national median property tax rate of 1.02%, homeowners may face a larger annual expense than many other U.S. residents.
Property Tax Bills Across Cambria, San Luis Obispo County, California
Source: Ownwell
$2,964
$6,083
$9,201
Median Cambria Tax Bill
$6,362
Median San Luis Obispo County Tax Bill
$5,465
Median California Tax Bill
$5,134
Median United States Tax Bill
$2,400
Property Tax Bills Across Cambria, San Luis Obispo County, California
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 93428 | $2,522 | $4,127 | $6,362 | $9,378 | $13,088 |
Source: 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 Luis Obispo Tax Assessor | |
| Website | propertyinquiryportal.slocounty.ca.gov |