Average Tax Assessment in San Diego County
Real Estate Values and Property Tax Valuation in San Diego County, California
San Diego County has 876,308 properties with a cumulative value of $374.3B, representing 10.13% of all real estate value in California. Property taxes in San Diego County totaled $5.0B, with an average homeowner paying $6,162 in property taxes, which is higher than the state average of $5,946. The average property tax rate in San Diego County is 1.33%, lower than the state average of 1.58%. Properties are typically valued for tax purposes based on their market value.
The property tax timeline in California begins on January 1st, when the property valuation date is set. Property value notices are then issued between June and August. Property tax appeals must be submitted by September 15th or November 30th, depending on the county. Finally, property tax bills are issued on October 1st.
Updated November 01, 2023
| Important Links | |
|---|---|
| San Diego Recorder | (619) 238-8158 |
| San Diego Assessor | (619) 236-3771 |
| Important Dates | |
|---|---|
| Property Valuation Date: | January 1st |
| Property Value Notices Issued: | June - August |
| Property Tax Appeal Deadline: | September 15 or November 30 (varies by county) |
| Property Tax Bills Issued: | October 1st |
| Real Property Tax Bill Due (1st of #): | December 10th, 1st half installment |
| Real Property Tax Bill Due (2nd of #): | April 10th, 2nd half |
| Available Exemptions | |
|---|---|
| Senior | Not Available |
| Disabled | Available |
| Homestead | Available |
| Veteran | Not Available |
| Solar/Wind | Available |
| Charitable | Available |
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Real Estate Statistics in San Diego County
Residential Property Taxes by Cities in San Diego County
San Diego County has an average property tax rate of 1.33%, which is slightly lower than the national average of 1.38%. This rate is applied to the assessed value of a property to determine the amount of taxes owed. Property taxes in San Diego County are collected by the county and distributed to the cities and other local governments.
Property tax rates vary across the cities in San Diego County. The city with the highest effective property tax rate is Lemon Grove, with a rate of 1.59%, while the city with the lowest effective property tax rate is Warner Springs, with a rate of 1.08%. The difference in rates between the two cities is 0.51%. Property taxes in San Diego County are generally lower than the national average, making it an attractive place to live for those looking to save on taxes.
Tax Assessment Value
The following table shows the 10th, 25th, 50th, 75th, and 90th percentile of property assessment value in each city in San Diego County. The tax assessment value may differ from the potential sale value, and is used to calculate the property tax for each piece of real estate.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Alpine | $74,645 | $263,844 | $453,258 | $650,000 | $804,356 |
| Bonita | $113,279 | $255,768 | $434,832 | $649,620 | $793,457 |
| Bonsall | $0 | $252,386 | $470,262 | $800,594 | $1,213,939 |
| Borrego Springs | $23,728 | $83,270 | $157,736 | $252,056 | $370,925 |
| Boulevard | $38,575 | $103,797 | $193,832 | $309,169 | $396,371 |
| Campo | $14,371 | $124,906 | $227,330 | $320,609 | $380,000 |
| Cardiff By The Sea | $64,616 | $236,756 | $535,870 | $973,688 | $1,524,176 |
| Carlsbad | $0 | $187,052 | $501,241 | $820,231 | $1,124,757 |
| Chula Vista | $67,979 | $225,423 | $387,614 | $528,894 | $662,404 |
| Coronado | $91,676 | $369,196 | $846,940 | $1,500,568 | $2,305,241 |
| Del Mar | $90,651 | $359,759 | $893,711 | $1,609,207 | $2,587,866 |
| Descanso | $8,040 | $116,531 | $257,004 | $416,264 | $589,602 |
| El Cajon | $39,608 | $139,360 | $305,651 | $493,721 | $665,000 |
| Encinitas | $96,086 | $289,566 | $566,481 | $967,342 | $1,562,345 |
| Escondido | $55,959 | $190,926 | $354,937 | $538,503 | $726,331 |
| Fallbrook | $44,771 | $222,440 | $428,391 | $600,428 | $787,331 |
| Imperial Beach | $56,445 | $134,730 | $305,688 | $515,283 | $669,283 |
| Jacumba | $12,357 | $46,868 | $91,004 | $162,448 | $232,530 |
| Jamul | $76,751 | $269,128 | $472,460 | $681,927 | $900,000 |
| Julian | $6,556 | $94,198 | $232,118 | $378,423 | $533,798 |
| La Jolla | $151,707 | $345,835 | $713,226 | $1,498,086 | $2,576,417 |
| Lakeside | $37,294 | $120,722 | $279,139 | $465,031 | $588,000 |
| La Mesa | $63,340 | $165,719 | $328,445 | $523,312 | $686,222 |
| Lemon Grove | $53,952 | $141,846 | $267,009 | $413,195 | $494,053 |
| National City | $52,021 | $104,044 | $207,439 | $341,632 | $450,529 |
| Oceanside | $65,223 | $194,006 | $335,994 | $508,542 | $646,354 |
| Pauma Valley | $112,654 | $283,145 | $402,297 | $585,872 | $775,762 |
| Pine Valley | $42,988 | $179,142 | $305,420 | $451,580 | $535,903 |
| Potrero | $42,327 | $106,653 | $212,415 | $301,905 | $414,572 |
| Poway | $81,805 | $243,301 | $485,439 | $754,738 | $1,120,115 |
| Ramona | $59,885 | $236,387 | $391,362 | $538,100 | $674,208 |
| Rancho Santa Fe | $185,986 | $950,000 | $1,919,152 | $3,000,000 | $4,397,616 |
| San Diego | $65,683 | $191,384 | $370,270 | $608,062 | $891,121 |
| San Marcos | $53,514 | $218,958 | $424,711 | $621,244 | $820,563 |
| Santee | $42,139 | $147,665 | $298,118 | $475,647 | $600,000 |
| San Ysidro | $49,678 | $117,771 | $206,072 | $320,022 | $447,561 |
| Solana Beach | $96,335 | $344,576 | $730,893 | $1,307,837 | $2,146,676 |
| Spring Valley | $51,403 | $146,492 | $277,331 | $439,313 | $548,812 |
| Valley Center | $46,640 | $263,486 | $453,449 | $629,654 | $785,000 |
| Vista | $41,368 | $186,850 | $339,745 | $510,742 | $651,156 |
| Warner Springs | $14,581 | $88,458 | $152,420 | $294,861 | $403,190 |
Property Tax Bill
This table shows the percentiles of actual property tax paid on residential properties for each city in San Diego County.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Alpine | $2,325 | $4,091 | $6,345 | $8,573 | $10,464 |
| Bonita | $2,177 | $3,765 | $5,718 | $8,105 | $9,817 |
| Bonsall | $2,029 | $3,351 | $5,610 | $8,924 | $13,349 |
| Borrego Springs | $487 | $1,112 | $1,881 | $2,907 | $4,300 |
| Boulevard | $929 | $1,623 | $2,448 | $3,519 | $4,639 |
| Campo | $948 | $1,713 | $3,012 | $4,229 | $5,484 |
| Cardiff By The Sea | $2,118 | $3,835 | $6,988 | $12,166 | $18,437 |
| Carlsbad | $0 | $3,005 | $6,279 | $9,883 | $13,488 |
| Chula Vista | $1,656 | $3,302 | $5,548 | $8,021 | $10,723 |
| Coronado | $2,426 | $5,537 | $10,312 | $17,321 | $25,846 |
| Del Mar | $1,707 | $4,873 | $10,461 | $17,938 | $28,244 |
| Descanso | $966 | $1,818 | $3,238 | $4,930 | $6,986 |
| El Cajon | $1,225 | $2,580 | $4,506 | $6,707 | $8,689 |
| Encinitas | $2,329 | $4,050 | $7,072 | $11,528 | $18,505 |
| Escondido | $1,356 | $2,632 | $4,480 | $6,623 | $9,217 |
| Fallbrook | $1,556 | $2,993 | $4,934 | $6,993 | $9,143 |
| Imperial Beach | $1,582 | $2,634 | $4,485 | $6,871 | $8,664 |
| Jacumba | $375 | $688 | $1,132 | $1,866 | $2,640 |
| Jamul | $2,116 | $3,814 | $5,995 | $8,560 | $11,194 |
| Julian | $648 | $1,428 | $2,792 | $4,300 | $6,093 |
| La Jolla | $2,876 | $5,166 | $9,725 | $19,324 | $33,446 |
| Lakeside | $1,054 | $2,357 | $4,034 | $6,175 | $7,586 |
| La Mesa | $1,524 | $2,732 | $4,598 | $6,977 | $8,899 |
| Lemon Grove | $1,664 | $2,849 | $4,170 | $5,876 | $6,868 |
| National City | $1,265 | $1,956 | $3,131 | $4,739 | $5,965 |
| Oceanside | $1,467 | $2,544 | $4,038 | $5,907 | $7,522 |
| Pauma Valley | $2,233 | $3,350 | $4,496 | $6,461 | $8,555 |
| Pine Valley | $1,162 | $2,376 | $3,569 | $5,095 | $6,051 |
| Potrero | $587 | $1,309 | $2,543 | $3,491 | $4,878 |
| Poway | $1,580 | $3,229 | $5,899 | $8,922 | $13,285 |
| Ramona | $2,137 | $3,536 | $5,074 | $6,604 | $7,914 |
| Rancho Santa Fe | $7,082 | $13,874 | $23,622 | $34,458 | $49,491 |
| San Diego | $1,386 | $2,761 | $4,860 | $7,829 | $11,816 |
| San Marcos | $1,537 | $3,074 | $5,603 | $8,314 | $11,396 |
| Santee | $957 | $2,269 | $3,994 | $5,958 | $7,474 |
| San Ysidro | $762 | $1,533 | $2,595 | $4,558 | $6,202 |
| Solana Beach | $2,931 | $5,296 | $9,297 | $15,601 | $25,042 |
| Spring Valley | $1,466 | $2,631 | $4,112 | $5,944 | $7,264 |
| Valley Center | $1,989 | $3,732 | $5,609 | $7,709 | $10,168 |
| Vista | $1,604 | $3,024 | $4,619 | $6,420 | $7,980 |
| Warner Springs | $596 | $1,053 | $1,624 | $3,033 | $4,109 |
Effective Property Tax Rate
The effective property tax rate is calculated by dividing the property tax bill by the assessed value. For the percentiles below, the calculation is performed using the percentiles for property tax bill and assessed value above. Therefore, each consecutive percentile doesn't necessarily show a larger value.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Alpine | 3.11% | 1.55% | 1.40% | 1.32% | 1.30% |
| Bonita | 1.92% | 1.47% | 1.31% | 1.25% | 1.24% |
| Bonsall | - | 1.33% | 1.19% | 1.11% | 1.10% |
| Borrego Springs | 2.05% | 1.34% | 1.19% | 1.15% | 1.16% |
| Boulevard | 2.41% | 1.56% | 1.26% | 1.14% | 1.17% |
| Campo | 6.60% | 1.37% | 1.32% | 1.32% | 1.44% |
| Cardiff By The Sea | 3.28% | 1.62% | 1.30% | 1.25% | 1.21% |
| Carlsbad | - | 1.61% | 1.25% | 1.20% | 1.20% |
| Chula Vista | 2.44% | 1.46% | 1.43% | 1.52% | 1.62% |
| Coronado | 2.65% | 1.50% | 1.22% | 1.15% | 1.12% |
| Del Mar | 1.88% | 1.35% | 1.17% | 1.11% | 1.09% |
| Descanso | 12.01% | 1.56% | 1.26% | 1.18% | 1.18% |
| El Cajon | 3.09% | 1.85% | 1.47% | 1.36% | 1.31% |
| Encinitas | 2.42% | 1.40% | 1.25% | 1.19% | 1.18% |
| Escondido | 2.42% | 1.38% | 1.26% | 1.23% | 1.27% |
| Fallbrook | 3.48% | 1.35% | 1.15% | 1.16% | 1.16% |
| Imperial Beach | 2.80% | 1.96% | 1.47% | 1.33% | 1.29% |
| Jacumba | 3.03% | 1.47% | 1.24% | 1.15% | 1.14% |
| Jamul | 2.76% | 1.42% | 1.27% | 1.26% | 1.24% |
| Julian | 9.88% | 1.52% | 1.20% | 1.14% | 1.14% |
| La Jolla | 1.90% | 1.49% | 1.36% | 1.29% | 1.30% |
| Lakeside | 2.83% | 1.95% | 1.45% | 1.33% | 1.29% |
| La Mesa | 2.41% | 1.65% | 1.40% | 1.33% | 1.30% |
| Lemon Grove | 3.08% | 2.01% | 1.56% | 1.42% | 1.39% |
| National City | 2.43% | 1.88% | 1.51% | 1.39% | 1.32% |
| Oceanside | 2.25% | 1.31% | 1.20% | 1.16% | 1.16% |
| Pauma Valley | 1.98% | 1.18% | 1.12% | 1.10% | 1.10% |
| Pine Valley | 2.70% | 1.33% | 1.17% | 1.13% | 1.13% |
| Potrero | 1.39% | 1.23% | 1.20% | 1.16% | 1.18% |
| Poway | 1.93% | 1.33% | 1.22% | 1.18% | 1.19% |
| Ramona | 3.57% | 1.50% | 1.30% | 1.23% | 1.17% |
| Rancho Santa Fe | 3.81% | 1.46% | 1.23% | 1.15% | 1.13% |
| San Diego | 2.11% | 1.44% | 1.31% | 1.29% | 1.33% |
| San Marcos | 2.87% | 1.40% | 1.32% | 1.34% | 1.39% |
| Santee | 2.27% | 1.54% | 1.34% | 1.25% | 1.25% |
| San Ysidro | 1.53% | 1.30% | 1.26% | 1.42% | 1.39% |
| Solana Beach | 3.04% | 1.54% | 1.27% | 1.19% | 1.17% |
| Spring Valley | 2.85% | 1.80% | 1.48% | 1.35% | 1.32% |
| Valley Center | 4.26% | 1.42% | 1.24% | 1.22% | 1.30% |
| Vista | 3.88% | 1.62% | 1.36% | 1.26% | 1.23% |
| Warner Springs | 4.09% | 1.19% | 1.07% | 1.03% | 1.02% |
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Real Estate Values in San Diego County
The median home price in San Diego County has increased by 10.14% from October 2022 to October 2023, from $797.0K to $880.0K. This indicates a strong trend of rising home prices in the area. At the same time, the home inventory in San Diego County has decreased from 5.1K in October 2022 to 3.4K in October 2023, indicating a decrease in the availability of homes for sale in the area. This could be a contributing factor to the rising home prices in the area.
Average Home Value in San Diego County, California
Last updated: November 2023
Percent Change in Total Home Sales in San Diego County
Last updated: November 2023
Percent Change in New Home Listings in San Diego County
Last updated: November 2023
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Mortgage Rates in San Diego County
Mortgages in San Diego County are a major factor in the local economy. According to recent statistics, there is an estimated $174.3 billion in outstanding home mortgage loans in the county, with 498.6 thousand outstanding loans. This represents a significant portion of the total home value in the county, and demonstrates the importance of home loans in the local economy.
The median mortgage rate in San Diego County varies across cities, with San Ysidro having the highest rate at 4.99%, and Pauma Valley having the lowest rate at 3.98%. This variation in rates is indicative of the different economic conditions in each city, and highlights the importance of researching mortgage rates before committing to a loan.
Outstanding Mortgages
The table below shows the percentile distribution of outstanding loans on residential properties in San Diego County by city.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Alpine | $59,010 | $148,364 | $316,523 | $483,124 | $641,025 |
| Bonita | $62,292 | $140,698 | $309,165 | $491,009 | $660,810 |
| Bonsall | $69,601 | $174,706 | $338,906 | $539,977 | $716,449 |
| Borrego Springs | $34,343 | $77,542 | $130,741 | $208,943 | $306,104 |
| Boulevard | $43,351 | $81,256 | $162,005 | $269,974 | $375,046 |
| Campo | $58,770 | $110,101 | $206,346 | $304,302 | $402,438 |
| Cardiff By The Sea | $51,633 | $141,301 | $353,586 | $655,135 | $1,128,506 |
| Carlsbad | $78,571 | $165,576 | $333,585 | $532,376 | $768,192 |
| Chula Vista | $72,566 | $149,394 | $276,665 | $427,806 | $572,626 |
| Coronado | $84,063 | $233,977 | $530,485 | $957,870 | $1,518,997 |
| Del Mar | $80,045 | $213,186 | $506,451 | $954,549 | $1,546,549 |
| Descanso | $53,572 | $135,622 | $260,486 | $409,724 | $537,500 |
| El Cajon | $56,487 | $130,996 | $260,799 | $426,063 | $577,499 |
| Encinitas | $61,646 | $151,213 | $356,018 | $636,630 | $1,051,465 |
| Escondido | $59,821 | $135,468 | $269,932 | $435,970 | $592,495 |
| Fallbrook | $73,321 | $166,891 | $326,657 | $489,889 | $629,882 |
| Imperial Beach | $54,073 | $147,751 | $287,154 | $498,288 | $664,548 |
| Jacumba | $22,096 | $45,201 | $113,114 | $173,723 | $239,721 |
| Jamul | $61,989 | $150,385 | $320,229 | $484,837 | $664,940 |
| Julian | $38,698 | $111,399 | $234,274 | $356,139 | $481,280 |
| La Jolla | $82,057 | $188,892 | $402,019 | $810,179 | $1,425,776 |
| Lakeside | $52,261 | $127,169 | $268,438 | $425,670 | $567,348 |
| La Mesa | $55,129 | $131,973 | $278,082 | $445,259 | $621,492 |
| Lemon Grove | $47,780 | $121,114 | $233,605 | $397,347 | $532,570 |
| National City | $34,309 | $91,952 | $184,991 | $326,017 | $454,578 |
| Oceanside | $50,169 | $118,601 | $242,799 | $394,938 | $542,062 |
| Pauma Valley | $89,195 | $175,323 | $299,655 | $432,823 | $560,006 |
| Pine Valley | $48,669 | $128,104 | $246,001 | $401,377 | $500,554 |
| Potrero | $26,549 | $84,010 | $163,309 | $270,449 | $390,219 |
| Poway | $64,945 | $167,167 | $343,178 | $546,035 | $780,082 |
| Ramona | $61,977 | $151,766 | $296,855 | $461,046 | $598,033 |
| Rancho Santa Fe | $194,744 | $499,309 | $947,018 | $1,632,528 | $2,419,931 |
| San Diego | $55,861 | $135,397 | $271,962 | $451,885 | $655,906 |
| San Marcos | $70,643 | $155,946 | $287,701 | $447,006 | $613,138 |
| Santee | $52,564 | $135,416 | $274,975 | $429,892 | $568,708 |
| San Ysidro | $37,668 | $72,115 | $149,131 | $252,042 | $384,993 |
| Solana Beach | $84,520 | $195,507 | $434,282 | $776,164 | $1,336,634 |
| Spring Valley | $54,344 | $129,443 | $248,491 | $404,451 | $541,536 |
| Valley Center | $67,489 | $166,954 | $320,020 | $484,790 | $635,134 |
| Vista | $53,249 | $128,350 | $257,784 | $418,069 | $563,534 |
| Warner Springs | $32,124 | $76,919 | $151,563 | $276,747 | $382,965 |
Mortgage Rates
The following table shows the 10th, 25th, 50th, 75th, and 90th percentile of mortgage rates in cities across San Diego County.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Alpine | 2.90% | 3.60% | 4.32% | 6.29% | 7.47% |
| Bonita | 3.00% | 3.63% | 4.40% | 6.51% | 7.50% |
| Bonsall | 2.90% | 3.46% | 4.07% | 5.69% | 7.07% |
| Borrego Springs | 2.90% | 3.60% | 4.30% | 5.86% | 7.05% |
| Boulevard | 2.94% | 3.60% | 4.48% | 6.20% | 7.19% |
| Campo | 3.00% | 3.60% | 4.30% | 5.63% | 6.88% |
| Cardiff By The Sea | 2.99% | 3.70% | 4.70% | 6.75% | 7.67% |
| Carlsbad | 3.00% | 3.62% | 4.46% | 6.36% | 7.37% |
| Chula Vista | 3.00% | 3.65% | 4.40% | 6.04% | 7.19% |
| Coronado | 2.90% | 3.50% | 4.27% | 6.31% | 7.35% |
| Del Mar | 2.88% | 3.50% | 4.45% | 6.51% | 7.50% |
| Descanso | 2.90% | 3.50% | 4.12% | 5.80% | 7.13% |
| El Cajon | 3.00% | 3.60% | 4.40% | 6.25% | 7.36% |
| Encinitas | 3.00% | 3.65% | 4.54% | 6.62% | 7.58% |
| Escondido | 2.98% | 3.61% | 4.40% | 6.12% | 7.25% |
| Fallbrook | 2.90% | 3.50% | 4.17% | 5.81% | 7.15% |
| Imperial Beach | 2.90% | 3.55% | 4.23% | 5.96% | 7.26% |
| Jacumba | 2.80% | 3.60% | 4.23% | 5.51% | 7.20% |
| Jamul | 3.05% | 3.65% | 4.40% | 6.50% | 7.50% |
| Julian | 2.90% | 3.50% | 4.13% | 5.81% | 7.18% |
| La Jolla | 2.90% | 3.57% | 4.46% | 6.37% | 7.50% |
| Lakeside | 2.90% | 3.58% | 4.30% | 6.10% | 7.43% |
| La Mesa | 3.00% | 3.63% | 4.38% | 6.28% | 7.38% |
| Lemon Grove | 2.99% | 3.62% | 4.40% | 6.29% | 7.59% |
| National City | 3.12% | 3.76% | 4.74% | 6.47% | 7.61% |
| Oceanside | 3.00% | 3.62% | 4.42% | 6.31% | 7.49% |
| Pauma Valley | 2.88% | 3.29% | 3.98% | 5.09% | 6.71% |
| Pine Valley | 3.00% | 3.67% | 4.26% | 6.00% | 7.12% |
| Potrero | 3.15% | 3.75% | 4.67% | 6.43% | 7.11% |
| Poway | 3.00% | 3.64% | 4.42% | 6.37% | 7.50% |
| Ramona | 2.90% | 3.60% | 4.28% | 6.16% | 7.41% |
| Rancho Santa Fe | 2.75% | 3.12% | 4.00% | 5.66% | 7.12% |
| San Diego | 3.00% | 3.62% | 4.46% | 6.29% | 7.38% |
| San Marcos | 3.00% | 3.61% | 4.35% | 5.90% | 7.15% |
| Santee | 2.90% | 3.60% | 4.32% | 6.10% | 7.42% |
| San Ysidro | 3.30% | 3.87% | 4.99% | 6.75% | 7.70% |
| Solana Beach | 2.93% | 3.57% | 4.48% | 6.38% | 7.50% |
| Spring Valley | 2.99% | 3.62% | 4.40% | 6.25% | 7.50% |
| Valley Center | 2.93% | 3.60% | 4.37% | 6.05% | 7.37% |
| Vista | 3.00% | 3.62% | 4.40% | 6.29% | 7.51% |
| Warner Springs | 2.90% | 3.49% | 4.10% | 5.74% | 6.82% |
Housing Expenses in San Diego County, California
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