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Moss Beach, San Mateo County, California Property Taxes

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Property Taxes in Moss Beach, California

  • Median Moss Beach, California effective property tax rate: 1.40%, significantly higher than the national median of 1.02%, and higher than the California state median of 1.21%.

  • Median Moss Beach, California home value: $865,162

  • Median annual Moss Beach, California tax bill: $10,189, $7,789 higher than the national median property tax bill of $2,400.

How are property taxes in San Mateo calculated?

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

Last Updated April 13, 2026

Moss Beach, San Mateo County, California Property Tax Bill Calculator

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.4%

Estimate Property Tax Bill

$12,112

$11,240

SAVE WITH OWNWELL

$774

Average Annual Tax Savings

How Does the Moss Beach Property Tax Calculator Work?

Use this Moss Beach property tax calculator to estimate your annual tax bill. Enter your property's assessed value and our calculator applies Moss Beach's median effective tax rate of 1.40% — based on actual property records in San Mateo 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 Moss Beach'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 Moss Beach: rates range from 1.40% in 94038 to 1.40% in 94038, primarily due to differences in school district levies and local assessment districts.

If your estimate is higher than expected, Ownwell can appeal your Moss Beach assessment — you only pay if we save you money.

About Moss Beach Property Taxes

About Property Taxes in Moss Beach, San Mateo, California

Moss Beach’s median effective property tax rate of 1.40% is higher than the California state median of 1.21% and higher than the national median of 1.02%. This rate reflects San Mateo County’s assessed value system, where local levies help shape what homeowners pay each year.

Property tax rates are not uniform across Moss Beach. In this ZIP code, the median effective rate is 1.40%, with a median home price of $865,162 and a median property tax bill of $10,189. That bill is $7,789 above the state tax bill difference provided here, showing how much local assessments can affect the final amount due.

Homeowners who believe their assessed value is too high can file a formal appeal with the Tax Assessor before the December 1, 2026 deadline. If your estimated bill 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 Moss Beach, San Mateo 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 Moss Beach'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 Moss Beach, San Mateo County, California

Source: Ownwell

1.07%

1.27%

1.47%

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 Moss Beach Tax Rate

1.40%

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 Mateo County Tax Rate

1.23%

Median Effective California Tax Rate

1.21%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Moss Beach, San Mateo County, California

Zip10th Percentile25th PercentileMedian Tax Rate75th Percentile90th Percentile
940381.21%1.28%1.40%1.62%2.08%

Source: Ownwell

Property Tax Assessment Values Across Moss Beach, San Mateo County, California

When examining property taxes in Moss Beach, 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 Mateo County assessment office 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 Mateo 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. 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 Moss Beach.

For example, the median home price in Moss Beach is $865,162, with tax bills ranging significantly across the county. 94038 has the highest median home price at $865,162.

Property Tax Assessment Values Across Moss Beach, San Mateo County, California

Source: Ownwell

$462,344

$2,599,052

$4,735,760

Median Moss Beach Market Value

$865,162

Median San Mateo County Market Value

$810,000

Median California Market Value

$427,605

Median United States Market Value

$235,294

Property Tax Assessment Values Across Moss Beach, San Mateo County, California

Zip10th Percentile25th PercentileMedian Home Price75th Percentile90th Percentile
94038$273,802$489,159$865,162$1,267,840$1,683,000

Source: Ownwell

Property Tax Bills Across Moss Beach, San Mateo County, California

Property tax bills in Moss Beach are calculated by applying the local property tax rate to a home’s assessed value, which is based on the market value of the property. For homeowners in San Mateo County, that means a higher assessed value can lead to a higher tax bill, even when the home itself has not changed. With a median home price of $865,162, property taxes can have a major impact on monthly housing costs and long-term affordability.

The typical tax bill in Moss Beach is $10,189, and bills can vary widely, with the 25th percentile at $5,794 and the 75th percentile at $15,311. At the 90th percentile, property tax bills reach $19,633, far above the national median property tax bill of $2,400 and the national median property tax rate of 1.02%.

Ownwell helps homeowners lower their property tax bills by identifying opportunities to appeal an unfair assessment and secure exemptions when available.

Property Tax Bills Across Moss Beach, San Mateo County, California

Source: Ownwell

$4,835

$26,810

$48,785

Median Moss Beach Tax Bill

$10,189

Median San Mateo County Tax Bill

$9,758

Median California Tax Bill

$5,134

Median United States Tax Bill

$2,400

Property Tax Bills Across Moss Beach, San Mateo County, California

Zip10th Percentile25th PercentileMedian Tax Bill75th Percentile90th Percentile
94038$282$5,794$10,189$15,311$19,633

Source: Ownwell

Don't miss the deadline to appeal!

Frequently Asked Property Tax Questions in Moss Beach, California

How are property taxes calculated in Moss Beach, California?
Property taxes in Moss Beach, 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 Moss Beach, California?
To appeal your property taxes in Moss Beach, 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 Moss Beach, California?
Common property tax exemptions in Moss Beach, 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 Moss Beach, California?
Property tax deadlines in Moss Beach, 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 Moss Beach, California?
Ownwell provides professional property tax appeal services in Moss Beach, 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.