Merced, Merced County, California Property Taxes
Property Taxes in Merced, California
Median Merced, California effective property tax rate: 1.06%, significantly lower than the national median of 1.02%, and lower than the California state median of 1.21%.
Median Merced, California home value: $250,942
Median annual Merced, California tax bill: $2,690, $290 higher than the national median property tax bill of $2,400.
How are property taxes in Merced calculated?
Property taxes in Merced, 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 Merced's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Merced, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Merced, Merced County, California Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.06%
Estimate Property Tax Bill
$2,660
$2,468
How Does the Merced Property Tax Calculator Work?
Use this Merced property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Merced's median effective tax rate of 1.06% — based on actual property records in Merced 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 Merced'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 Merced: rates range from $2,055.00 in 95341 to $3,264.00 in 95348, primarily due to differences in school district levies and local assessment districts. Merced's median property tax rate is higher than the California median tax rate of 1.21%, and the median tax bill is $290 higher than the state median tax bill of $2,400.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Merced.
About Merced Property Taxes
About Property Taxes in Merced, Merced, California
Merced’s median effective property tax rate of 1.06% is lower than the California state median of 1.21% and higher than the national median of 1.02%. This rate reflects the Merced 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 Merced. Homeowners in the 95348 ZIP code carry a median effective rate of 1.09%, while those in 95340 pay 1.05%. This spread — 0.04 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Merced County. Understanding which part of Merced you live in can make a meaningful difference to your annual tax bill.
Merced homeowners who believe their assessed value is too high can file a formal appeal with the local Tax Assessor before the November 30, 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 Merced, Merced 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 Merced'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 Ă· 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 Merced Tax Rate
1.06%
Our median effective property tax rate (tax bill Ă· 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 Merced County Tax Rate
1.07%
Median Effective California Tax Rate
1.21%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Merced, Merced County, California
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 95340 | 1.00% | 1.02% | 1.05% | 1.07% | 1.14% |
| 95341 | 0.97% | 1.04% | 1.08% | 1.25% | 1.42% |
| 95348 | 1.00% | 1.04% | 1.09% | 1.39% | 1.54% |
Source: Ownwell
Property Tax Assessment Values Across Merced, Merced County, California
When examining property taxes in Merced, 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 Merced 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 Merced County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of July.
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 Merced.
For example, the median home price in Merced is $250,942, with tax bills ranging significantly across the county. 95348 has the highest median home price at $287,728.
Property Tax Assessment Values Across Merced, Merced County, California
Source: Ownwell
$51,121
$175,723
$300,324
Median Merced Market Value
$250,942
Median Merced County Market Value
$239,144
Median California Market Value
$427,605
Median United States Market Value
$235,294
Property Tax Assessment Values Across Merced, Merced County, California
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 95340 | $98,823 | $162,537 | $260,829 | $378,013 | $499,813 |
| 95341 | $62,456 | $110,818 | $186,702 | $301,203 | $391,799 |
| 95348 | $109,918 | $175,904 | $287,728 | $375,858 | $456,293 |
Source: Ownwell
Property Tax Bills Across Merced, Merced County, California
Property tax bills in Merced are based on the assessed value of a home and the local tax rate set by taxing authorities. For a home with a median price of $250,942, the bill can vary widely depending on location, exemptions, and any local levies that apply. The county’s median tax bill is $3,264 in ZIP code 95348 and $2,055 in ZIP code 95341, showing how much bills can differ within the same area.
Homeowners typically see bills fall between $1,547 at the 25th percentile and $4,267 at the 75th percentile, with the 90th percentile reaching $5,694. Compared with the national median property tax bill of $2,400, many Merced homeowners pay more than the U.S. median, which can make property taxes a significant part of annual housing costs. Because the bill is tied to assessed value and local rates, changes in either can raise or lower what a homeowner owes.
Median Merced Tax Bill
$2,690
Median Merced County Tax Bill
$2,601
Median California Tax Bill
$5,134
Median United States Tax Bill
$2,400
Property Tax Bills Across Merced, Merced County, California
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 95340 | $979 | $1,626 | $2,683 | $4,083 | $6,199 |
| 95341 | $629 | $1,185 | $2,055 | $3,408 | $4,921 |
| 95348 | $1,096 | $1,850 | $3,264 | $4,814 | $5,864 |
Source: Ownwell
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 | |
|---|---|
| Merced Tax Assessor | |
| Website | common3.mptsweb.com |