Property Taxes in Concord, California
Median Concord, California effective property tax rate: 1.29%, significantly higher than the national median of 1.02%, and higher than the California state median of 1.21%.
Median Concord, California home value: $423,375
Median annual Concord, California tax bill: $5,388, $2,988 higher than the national median property tax bill of $2,400.
How are property taxes in Contra Costa calculated?
Property taxes in Concord, 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 Concord's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Concord, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
How Does the Concord Property Tax Calculator Work?
Use this Concord property tax calculator to estimate your annual tax bill. Enter your property's assessed value and our calculator applies Concord's median effective tax rate of 1.29% — based on actual property records in Contra Costa 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 Concord'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 Concord: rates range from $4,257 in 94520 to $5,810 in 94521, primarily due to differences in school district levies and local assessment districts.
If your estimate is higher than expected, Ownwell can appeal your Concord assessment — you only pay if we save you money.
About Concord Property Taxes
About Property Taxes in Concord, Contra Costa, California
Concord’s median effective property tax rate of 1.29% is higher than the California state median of 1.21% and higher than the national median of 1.02%. This rate reflects the Contra Costa County base levy combined with local school district levies and other district charges that vary across the city.
Property tax rates are not uniform across Concord. Homeowners in ZIP code 94520 carry a median effective rate of 1.37%, while those in 94518 pay 1.27%. This spread reflects how local districts are drawn across Contra Costa County and can make a meaningful difference to your annual tax bill.
Concord homeowners who believe their assessed value is too high can file a formal appeal with the Tax Assessor before the December 1, 2026 deadline each year. The median home price is $423,375, and the median tax bill is $5,388, which is $2,988 higher than the state median tax bill.
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 Concord, Contra Costa 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 Concord’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 ÷ 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 Concord Tax Rate
1.29%
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 Contra Costa County Tax Rate
1.31%
Median Effective California Tax Rate
1.21%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across Concord, Contra Costa County, California
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 94518 | 1.16% | 1.20% | 1.27% | 1.43% | 1.77% |
| 94519 | 1.19% | 1.22% | 1.29% | 1.44% | 1.79% |
| 94520 | 1.21% | 1.25% | 1.37% | 1.56% | 1.94% |
| 94521 | 1.16% | 1.20% | 1.27% | 1.40% | 1.68% |
Source: Ownwell
Save on Your Property Taxes and More With Ownwell
$774
Average Annual Tax Savings
Property Tax Assessment Values Across Concord, Contra Costa County, California
When examining property taxes in Concord, 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 Contra Costa 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 Contra Costa 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. For example, the median home price in Concord is $423,375, with tax bills ranging significantly across the county. Zip code 94521 has the highest median home price at $465,000.
Property Tax Assessment Values Across Concord, Contra Costa County, California
Source: Ownwell
$153,114
$1,176,704
$2,200,294
Median Concord Market Value
$423,375
Median Contra Costa County Market Value
$530,390
Median California Market Value
$427,605
Median United States Market Value
$274,101
Property Tax Assessment Values Across Concord, Contra Costa County, California
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 94518 | $120,189 | $248,468 | $445,700 | $731,237 | $941,223 |
| 94519 | $132,766 | $260,010 | $437,259 | $645,000 | $776,090 |
| 94520 | $95,786 | $187,775 | $312,899 | $520,200 | $676,028 |
| 94521 | $154,441 | $288,910 | $465,000 | $737,140 | $927,845 |
Source: Ownwell
Save on Your Property Taxes and More With Ownwell
$774
Average Annual Tax Savings
Property Tax Bills Across Concord, Contra Costa County, California
Concord property tax bills are based on the assessed value of a home, which is tied to market conditions and local tax rates. With a median home price of $423,375, homeowners in Concord often see bills that vary widely depending on neighborhood, exemptions, and how the property is assessed. The 25th percentile tax bill is $3,498, while the 75th percentile is $8,087, and the 90th percentile reaches $10,157. That is well above the national median property tax bill of $2,400, which can make property taxes a major housing expense for many homeowners.
Your property tax bill affects your monthly budget and long-term housing costs, especially if your home is overassessed. Ownwell helps homeowners challenge unfair assessments and pursue exemptions that may lower their property tax bills. By reviewing your property’s assessed value and identifying savings opportunities, Ownwell can help you keep more money in your pocket.
Property Tax Bills Across Concord, Contra Costa County, California
Source: Ownwell
$3,003
$13,751
$24,499
Median Concord Tax Bill
$5,388
Median Contra Costa County Tax Bill
$6,979
Median California Tax Bill
$5,134
Median United States Tax Bill
$3,209
Property Tax Bills Across Concord, Contra Costa County, California
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 94518 | $2,142 | $3,511 | $5,609 | $8,681 | $10,937 |
| 94519 | $2,257 | $3,631 | $5,508 | $7,780 | $9,202 |
| 94520 | $1,951 | $2,923 | $4,257 | $6,427 | $8,148 |
| 94521 | $2,496 | $3,917 | $5,810 | $8,740 | $10,874 |
Source: Ownwell
Save on Your Property Taxes and More With Ownwell
$774
Average Annual Tax Savings
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Property Valuation Date | January 1 |
| Appeal Deadline | November 30 |
| Tax Bill | |
| Issued | October 1 |
| Due Date #1 | December 10 |
| Due Date #2 | April 10 |
Links | |
|---|---|
| Contra Costa Tax Assessor | |
| Website | www.contracosta.ca.gov |