Average Tax Assessment in Santa Clara County
Real Estate Values and Property Tax Valuation in Santa Clara County, California
Santa Clara County has a total of 445,841 properties, with a cumulative value of $323.6B, making up 8.76% of all real estate value in California. Property taxes in Santa Clara County are collected from these properties, totaling $4.6B. The average Santa Clara County homeowner pays $10,386 in property taxes, which is significantly higher than the state average of $5,946. The average property tax rate in Santa Clara County is 1.42%, 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 | |
|---|---|
| Santa Clara Assessor | (408) 299-5500 |
| Santa Clara Clerk/Recorder | (408) 299-5688 |
| 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 Santa Clara County
Residential Property Taxes by Cities in Santa Clara County
Santa Clara County has an average property tax rate of 1.42%, which is slightly lower than the national average of 1.48%. This rate applies to all cities in the county, with the exception of Alviso, which has the highest effective property tax rate at 1.6%. On the other hand, Stanford has the lowest effective property tax rate at 1.21%. This means that the average property tax bill in Santa Clara County is around $10,386.
Overall, Santa Clara County has relatively low property tax rates compared to other counties in California. However, there is still a significant variation in property tax rates across the cities in the county. Alviso has the highest effective property tax rate, while Stanford has the lowest. This means that property owners in Alviso will pay more in taxes than those in Stanford.
Tax Assessment Value
The following table shows the 10th, 25th, 50th, 75th, and 90th percentile of property assessment value in each city in Santa Clara 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 |
|---|---|---|---|---|---|
| Alviso | $20,931 | $57,862 | $238,852 | $672,575 | $875,135 |
| Campbell | $76,781 | $265,106 | $597,639 | $965,442 | $1,370,683 |
| Cupertino | $113,072 | $411,246 | $852,149 | $1,415,750 | $2,049,797 |
| Gilroy | $74,072 | $280,964 | $544,137 | $772,924 | $964,992 |
| Los Altos Hills | $209,192 | $960,977 | $2,256,989 | $3,941,146 | $5,907,640 |
| Los Altos | $141,903 | $507,587 | $1,332,275 | $2,421,938 | $3,475,744 |
| Los Gatos | $90,872 | $327,558 | $893,504 | $1,646,467 | $2,493,805 |
| Milpitas | $76,996 | $315,258 | $561,256 | $835,476 | $1,060,355 |
| Monte Sereno | $156,099 | $567,430 | $1,679,139 | $2,843,667 | $4,047,806 |
| Morgan Hill | $81,047 | $318,536 | $654,044 | $927,509 | $1,245,646 |
| Mountain View | $63,549 | $262,194 | $689,864 | $1,177,072 | $1,756,213 |
| Palo Alto | $101,964 | $332,694 | $985,034 | $1,967,412 | $3,217,224 |
| San Jose | $67,382 | $229,644 | $489,997 | $803,826 | $1,125,000 |
| San Martin | $77,259 | $294,430 | $656,796 | $1,048,737 | $1,487,477 |
| Santa Clara | $68,665 | $248,054 | $557,828 | $886,946 | $1,266,832 |
| Saratoga | $145,730 | $542,403 | $1,242,783 | $2,147,264 | $3,064,393 |
| Stanford | $164,296 | $405,084 | $949,992 | $1,848,232 | $2,843,537 |
| Sunnyvale | $60,773 | $177,526 | $577,931 | $1,019,548 | $1,498,000 |
Property Tax Bill
This table shows the percentiles of actual property tax paid on residential properties for each city in Santa Clara County.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Alviso | $727 | $2,093 | $5,149 | $9,622 | $12,149 |
| Campbell | $2,550 | $5,035 | $8,958 | $13,326 | $18,216 |
| Cupertino | $3,062 | $6,872 | $11,718 | $18,372 | $25,899 |
| Gilroy | $2,056 | $4,266 | $7,419 | $10,175 | $12,630 |
| Los Altos Hills | $5,519 | $15,357 | $30,897 | $50,061 | $73,143 |
| Los Altos | $3,474 | $9,079 | $18,775 | $31,358 | $43,819 |
| Los Gatos | $2,643 | $5,965 | $12,389 | $21,178 | $30,808 |
| Milpitas | $2,378 | $4,493 | $7,329 | $10,633 | $13,318 |
| Monte Sereno | $3,877 | $10,615 | $22,249 | $35,394 | $48,962 |
| Morgan Hill | $2,284 | $4,675 | $8,033 | $10,988 | $14,570 |
| Mountain View | $1,632 | $4,403 | $9,198 | $14,877 | $21,562 |
| Palo Alto | $2,357 | $5,849 | $13,459 | $25,393 | $40,229 |
| San Jose | $2,676 | $4,772 | $7,888 | $11,773 | $15,859 |
| San Martin | $1,713 | $4,362 | $8,078 | $12,524 | $17,626 |
| Santa Clara | $1,322 | $3,736 | $7,248 | $11,031 | $15,565 |
| Saratoga | $3,366 | $8,849 | $17,025 | $27,159 | $38,088 |
| Stanford | $2,411 | $5,168 | $11,923 | $22,435 | $33,944 |
| Sunnyvale | $1,164 | $3,199 | $7,607 | $12,828 | $18,355 |
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 |
|---|---|---|---|---|---|
| Alviso | 3.47% | 3.62% | 2.16% | 1.43% | 1.39% |
| Campbell | 3.32% | 1.90% | 1.50% | 1.38% | 1.33% |
| Cupertino | 2.71% | 1.67% | 1.38% | 1.30% | 1.26% |
| Gilroy | 2.78% | 1.52% | 1.36% | 1.32% | 1.31% |
| Los Altos Hills | 2.64% | 1.60% | 1.37% | 1.27% | 1.24% |
| Los Altos | 2.45% | 1.79% | 1.41% | 1.29% | 1.26% |
| Los Gatos | 2.91% | 1.82% | 1.39% | 1.29% | 1.24% |
| Milpitas | 3.09% | 1.43% | 1.31% | 1.27% | 1.26% |
| Monte Sereno | 2.48% | 1.87% | 1.33% | 1.24% | 1.21% |
| Morgan Hill | 2.82% | 1.47% | 1.23% | 1.18% | 1.17% |
| Mountain View | 2.57% | 1.68% | 1.33% | 1.26% | 1.23% |
| Palo Alto | 2.31% | 1.76% | 1.37% | 1.29% | 1.25% |
| San Jose | 3.97% | 2.08% | 1.61% | 1.46% | 1.41% |
| San Martin | 2.22% | 1.48% | 1.23% | 1.19% | 1.18% |
| Santa Clara | 1.93% | 1.51% | 1.30% | 1.24% | 1.23% |
| Saratoga | 2.31% | 1.63% | 1.37% | 1.26% | 1.24% |
| Stanford | 1.47% | 1.28% | 1.26% | 1.21% | 1.19% |
| Sunnyvale | 1.92% | 1.80% | 1.32% | 1.26% | 1.23% |
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Real Estate Values in Santa Clara County
The data from Redfin shows that the median home price in Santa Clara County has increased by 20.85% from October 2022 to October 2023, from $1.3M to $1.6M. This indicates that the housing market in California is becoming increasingly competitive, as the home inventory in Santa Clara County has decreased from 1.9K in October 2022 to 1.4K in October 2023. This suggests that the demand for housing in California is increasing, driving up prices.
Average Home Value in Santa Clara County, California
Last updated: November 2023
Percent Change in Total Home Sales in Santa Clara County
Last updated: November 2023
Percent Change in New Home Listings in Santa Clara County
Last updated: November 2023
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Mortgage Rates in Santa Clara County
Santa Clara County is home to a large number of outstanding home mortgage loans, with a total of $134.2 billion in outstanding loan amounts. This represents an average of 265.2 thousand loans across the county. The median mortgage rate in the county varies significantly across cities, ranging from 3.62% in Stanford to 5% in Palo Alto. This variation in rates can have a significant impact on the total value of a home loan, as higher interest rates can lead to higher monthly payments and a higher total loan amount.
Overall, the total outstanding loan amount in Santa Clara County is equivalent to approximately 40% of the total home value in the county. This suggests that the majority of homeowners in the county are taking out mortgages to purchase their homes, and that the mortgage market in the county is strong. With the wide range of mortgage rates available, homeowners in Santa Clara County have the opportunity to find the best rate for their needs.
Outstanding Mortgages
The table below shows the percentile distribution of outstanding loans on residential properties in Santa Clara County by city.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Alviso | $106,101 | $183,922 | $286,945 | $517,543 | $747,752 |
| Campbell | $84,679 | $201,991 | $387,159 | $688,597 | $1,088,876 |
| Cupertino | $94,846 | $212,043 | $436,047 | $788,100 | $1,381,810 |
| Gilroy | $95,041 | $202,782 | $365,971 | $561,032 | $725,462 |
| Los Altos Hills | $165,396 | $377,336 | $886,827 | $1,809,767 | $2,809,536 |
| Los Altos | $115,404 | $301,794 | $673,795 | $1,377,974 | $2,243,115 |
| Los Gatos | $109,375 | $277,247 | $566,207 | $1,084,923 | $1,706,715 |
| Milpitas | $82,368 | $188,217 | $349,375 | $607,979 | $836,018 |
| Monte Sereno | $119,538 | $378,757 | $898,184 | $1,692,343 | $2,435,696 |
| Morgan Hill | $96,776 | $224,420 | $422,189 | $634,873 | $883,450 |
| Mountain View | $91,644 | $210,493 | $425,176 | $854,245 | $1,336,093 |
| Palo Alto | $97,173 | $235,028 | $515,737 | $1,034,225 | $1,914,664 |
| San Jose | $77,926 | $175,586 | $324,523 | $567,058 | $878,328 |
| San Martin | $82,207 | $214,554 | $380,601 | $609,381 | $909,626 |
| Santa Clara | $93,449 | $206,391 | $372,732 | $677,113 | $1,060,587 |
| Saratoga | $113,247 | $282,292 | $604,600 | $1,204,728 | $1,906,343 |
| Stanford | $44,287 | $182,871 | $427,684 | $783,143 | $921,811 |
| Sunnyvale | $94,206 | $217,313 | $403,936 | $791,760 | $1,243,314 |
Mortgage Rates
The following table shows the 10th, 25th, 50th, 75th, and 90th percentile of mortgage rates in cities across Santa Clara County.
| City | 10th Percentile | 25th Percentile | Median | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| Alviso | 2.89% | 3.59% | 4.55% | 6.24% | 7.62% |
| Campbell | 2.90% | 3.50% | 4.40% | 6.16% | 7.37% |
| Cupertino | 2.87% | 3.58% | 4.94% | 6.47% | 7.50% |
| Gilroy | 3.00% | 3.60% | 4.25% | 5.75% | 7.15% |
| Los Altos Hills | 2.65% | 3.33% | 4.50% | 6.44% | 7.50% |
| Los Altos | 2.80% | 3.50% | 4.63% | 6.37% | 7.50% |
| Los Gatos | 2.87% | 3.38% | 4.25% | 6.03% | 7.34% |
| Milpitas | 2.87% | 3.50% | 4.37% | 6.12% | 7.25% |
| Monte Sereno | 2.75% | 3.37% | 4.26% | 6.25% | 7.38% |
| Morgan Hill | 3.00% | 3.60% | 4.23% | 5.82% | 7.17% |
| Mountain View | 2.80% | 3.48% | 4.46% | 6.15% | 7.21% |
| Palo Alto | 2.87% | 3.60% | 5.00% | 6.50% | 7.50% |
| San Jose | 2.90% | 3.61% | 4.50% | 6.25% | 7.40% |
| San Martin | 3.10% | 3.69% | 4.50% | 6.49% | 7.75% |
| Santa Clara | 2.80% | 3.45% | 4.34% | 5.96% | 7.12% |
| Saratoga | 2.80% | 3.37% | 4.50% | 6.37% | 7.56% |
| Stanford | 2.50% | 2.90% | 3.62% | 6.04% | 7.50% |
| Sunnyvale | 2.80% | 3.46% | 4.45% | 6.14% | 7.25% |
Housing Expenses in Santa Clara County, California
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