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Gilroy, Santa Clara County, California Property Taxes

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Property Taxes in Gilroy, California

  • Median Gilroy, California effective property tax rate: 1.24%, significantly higher than the national median of 1.02%, and higher than the California state median of 1.21%.

  • Median Gilroy, California home value: $667,119

  • Median annual Gilroy, California tax bill: $8,245, $5,845 higher than the national median property tax bill of $2,400.

How are property taxes in Santa Clara calculated?

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

Last Updated April 13, 2026

Gilroy, Santa Clara County, California Property Tax Bill Calculator

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.24%

Estimate Property Tax Bill

$8,272

$7,676

SAVE WITH OWNWELL

$774

Average Annual Tax Savings

How Does the Gilroy Property Tax Calculator Work?

Use this Gilroy property tax calculator to estimate your annual tax bill. Enter your property's assessed value and our calculator applies Gilroy's median effective tax rate of 1.24% — based on actual property records in Santa Clara 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 Gilroy'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 Gilroy: rates range from 8246.00 in 95020 to 8246.00 in 95020, primarily due to differences in school district levies and local assessment districts.

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

About Gilroy Property Taxes

About Property Taxes in Gilroy, Santa Clara, California

Gilroy’s median effective property tax rate of 1.24% is higher than the California state median of 1.21% and higher than the national median of 1.02%. This rate reflects Santa Clara County levies that help determine the assessed value used for property taxes.

Property tax rates are not uniform across Gilroy. Homeowners in the 95020 ZIP code carry a median effective rate of 1.24%, while the lowest ZIP code also sits at 1.24%. That means there is no spread across the city in the available data, but local tax bills can still vary based on assessed value and parcel-specific factors.

Gilroy homeowners who believe their assessed value is too high can file a formal appeal with the Santa Clara County Tax Assessor before the September 15, 2026 deadline each year.

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 Gilroy, Santa Clara 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 Gilroy'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 Gilroy, Santa Clara County, California

Source: Ownwell

1.15%

1.42%

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 Gilroy Tax Rate

1.24%

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 Santa Clara County Tax Rate

1.31%

Median Effective California Tax Rate

1.21%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Gilroy, Santa Clara County, California

Zip10th Percentile25th PercentileMedian Tax Rate75th Percentile90th Percentile
950201.23%1.23%1.24%1.25%1.29%

Source: Ownwell

Property Tax Assessment Values Across Gilroy, Santa Clara County, California

When examining property taxes in Gilroy, 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 Santa Clara 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 Santa Clara 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. 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 Gilroy.

For example, the median home price in Gilroy is $667,119, with tax bills ranging significantly across the county. 95020 has the highest median home price at $667,240.

Property Tax Assessment Values Across Gilroy, Santa Clara County, California

Source: Ownwell

$248,609

$1,619,295

$2,989,980

Median Gilroy Market Value

$667,119

Median Santa Clara County Market Value

$717,300

Median California Market Value

$427,605

Median United States Market Value

$235,294

Property Tax Assessment Values Across Gilroy, Santa Clara County, California

Zip10th Percentile25th PercentileMedian Home Price75th Percentile90th Percentile
95020$183,600$379,308$667,240$898,054$1,157,414

Source: Ownwell

Property Tax Bills Across Gilroy, Santa Clara County, California

Property tax bills in Gilroy are based on the assessed value of a home, not its market price. Local tax rates are applied to that assessment to determine the amount owed, and factors like exemptions and any successful appeal can affect the final bill. With a median home price of $667,119, homeowners in Gilroy often face substantial property tax bills, especially when assessments rise faster than the home’s true taxable value.

The typical tax bill in the area can vary widely, with the 25th percentile at $4,706, the 75th percentile at $11,183, and the 90th percentile at $14,329. In zip code 95020, the median tax bill is $8,246, which is well above the national median property tax bill of $2,400. That can put real pressure on household budgets.

Ownwell helps homeowners lower their property tax bills by reviewing assessments, identifying savings opportunities, and filing appeals when a home is overassessed.

Property Tax Bills Across Gilroy, Santa Clara County, California

Source: Ownwell

$2,906

$19,795

$36,683

Median Gilroy Tax Bill

$8,245

Median Santa Clara County Tax Bill

$9,592

Median California Tax Bill

$5,134

Median United States Tax Bill

$2,400

Property Tax Bills Across Gilroy, Santa Clara County, California

Zip10th Percentile25th PercentileMedian Tax Bill75th Percentile90th Percentile
95020$2,334$4,710$8,246$11,185$14,331

Source: Ownwell

Don't miss the deadline to appeal!

Frequently Asked Property Tax Questions in Gilroy, California

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