San Ramon, Contra Costa County, California Property Taxes
Property Taxes in San Ramon, California
Median San Ramon, California effective property tax rate: 1.25%, significantly higher than the national median of 1.02%, and higher than the California state median of 1.21%.
Median San Ramon, California home value: $971,490
Median annual San Ramon, California tax bill: $12,051, $9,651 higher and higher than the national median property tax bill of $2,400.
How are property taxes in Contra Costa calculated?
Property taxes in San Ramon, 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 San Ramon's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in San Ramon, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
San Ramon, Contra Costa County, California Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.25%
Estimate Property Tax Bill
$12,144
$11,269
$774
Average Annual Tax Savings
How Does the San Ramon Property Tax Calculator Work?
Use this San Ramon property tax calculator to estimate your annual tax bill. Enter your property's assessed value and our calculator applies San Ramon's median effective tax rate of 1.25% — 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 San Ramon'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 San Ramon: rates range from $8,688.00 in 94583 to $15,050.00 in 94582, primarily due to differences in school district levies and local assessment districts.
San Ramon's median property tax bill of $12,051 is higher than California's median bill and well above the national median property tax bill of $2,400. If your estimate is higher than expected, Ownwell can appeal your San Ramon assessment — you only pay if we save you money.
About San Ramon Property Taxes
About Property Taxes in San Ramon, Contra Costa, California
San Ramon’s median effective property tax rate of 1.25% 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 Mello-Roos Community Facility Districts that vary by subdivision throughout the city.
Property tax rates are not uniform across San Ramon. Homeowners in ZIP code 94582 carry a median effective rate of 1.31%, while those in 94583 pay 1.19%. This spread — 0.12 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Contra Costa County. Understanding which part of San Ramon you live in can make a meaningful difference to your annual tax bill.
San Ramon homeowners who believe their assessed value is too high can file a formal appeal with the local Tax Assessor before the December 1, 2026 deadline each year.
If your estimated bill above 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 San Ramon, 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 San Ramon’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 San Ramon Tax Rate
1.25%
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
1.02%
Property Tax Rates Across San Ramon, Contra Costa County, California
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 94582 | 1.17% | 1.22% | 1.31% | 1.46% | 1.58% |
| 94583 | 1.12% | 1.15% | 1.19% | 1.27% | 1.46% |
Source: Ownwell
$774
Average Annual Tax Savings
Save on Your Property Taxes and More With Ownwell
Property Tax Assessment Values Across San Ramon, Contra Costa County, California
When examining property taxes in San Ramon, 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 assessor 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. 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 San Ramon.
For example, the median home price in San Ramon is $971,490, with tax bills ranging significantly across the county. 94582 has the highest median home price at $1,116,667.
Property Tax Assessment Values Across San Ramon, Contra Costa County, California
Source: Ownwell
$153,114
$1,176,704
$2,200,294
Median San Ramon Market Value
$971,490
Median Contra Costa County Market Value
$530,390
Median California Market Value
$427,605
Median United States Market Value
$235,294
Property Tax Assessment Values Across San Ramon, Contra Costa County, California
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 94582 | $589,503 | $841,286 | $1,116,667 | $1,430,040 | $1,802,710 |
| 94583 | $218,038 | $443,129 | $765,504 | $1,144,440 | $1,608,846 |
Source: Ownwell
$774
Average Annual Tax Savings
Save on Your Property Taxes and More With Ownwell
Property Tax Bills Across San Ramon, Contra Costa County, California
Property tax bills in San Ramon are based on the assessed value of a home, which is influenced by market conditions and local tax rates. With a median home price of $971,490, homeowners in this area often face bills that are well above the national median property tax bill of $2,400. That means even small changes in assessed value can have a meaningful effect on what you owe each year.
The amount you pay depends on several factors, including your property’s assessed value, the tax rate set by local governments, and any eligible exemptions. In San Ramon, tax bills can vary widely, with the 25th percentile at $7,491, the 75th percentile at $16,947, and the 90th percentile at $21,614. ZIP code 94582 has the highest median tax bill at $15,050, while ZIP code 94583 has the lowest at $8,688.
Ownwell helps homeowners lower property tax bills by reviewing assessments, identifying savings opportunities, and filing appeals when a home is overassessed.
Property Tax Bills Across San Ramon, Contra Costa County, California
Source: Ownwell
$3,003
$13,751
$24,499
Median San Ramon Tax Bill
$12,051
Median Contra Costa County Tax Bill
$6,979
Median California Tax Bill
$5,134
Median United States Tax Bill
$2,400
Property Tax Bills Across San Ramon, Contra Costa County, California
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 94582 | $7,547 | $11,177 | $15,050 | $19,206 | $23,068 |
| 94583 | $3,117 | $5,423 | $8,688 | $12,748 | $17,628 |
Source: Ownwell
$774
Average Annual Tax Savings
Save on Your Property Taxes and More With Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Property Valuation Date | January 1 |
| Appeal Deadline | December 1 |
| 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 |