Cardiff By The Sea, San Diego County, California Property Taxes
Property Taxes in Cardiff By The Sea, California
Median Cardiff by the Sea, California effective property tax rate: 1.14%, significantly higher than the national median of 1.02%, and lower than the California state median of 1.21%.
Median Cardiff by the Sea, California home value: $756,594
Median annual Cardiff by the Sea, California tax bill: $8,266, $5,866 higher than the national median property tax bill of $2,400.
How are property taxes in San Diego calculated?
Property taxes in Cardiff by the Sea, 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 Cardiff by the Sea's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Cardiff by the Sea, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Cardiff By The Sea, San Diego County, California Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.14%
Estimate Property Tax Bill
$8,625
$8,004
$774
Average Annual Tax Savings
How Does the Cardiff By The Sea Property Tax Calculator Work?
Use this Cardiff By The Sea property tax calculator to estimate your annual tax bill. Enter your property's assessed value and our calculator applies Cardiff By The Sea's median effective tax rate of 1.14% — based on actual property records in San Diego County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local assessor uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Cardiff By The Sea'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 Cardiff By The Sea: rates range from 1.14% in 92007 to 1.14% in 92007, primarily due to differences in school district levies and local assessment districts.
Cardiff By The Sea's median property tax bill is $8,266, which is higher than the California median by $5,866 and higher than the national median property tax bill of $2,400. If your estimate is higher than expected, Ownwell can appeal your Cardiff By The Sea assessment — you only pay if we save you money.
About Cardiff By The Sea Property Taxes
About Property Taxes in Cardiff by the Sea, San Diego, California
Cardiff by the Sea's median effective property tax rate of 1.14% is lower than the California state median of 1.21% and higher than the national median of 1.02%. This rate reflects the San Diego 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 Cardiff by the Sea. Homeowners in the 92007 ZIP code carry a median effective rate of 1.14%, while those in the same ZIP also pay 1.14%. This reflects how school district boundaries and local assessment districts are drawn across San Diego County. Understanding which part of Cardiff by the Sea you live in can make a meaningful difference to your annual tax bill.
Cardiff by the Sea homeowners who believe their assessed value is too high can file a formal appeal with the San Diego County 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 Cardiff By The Sea, San Diego 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 Cardiff By The Sea's effective property tax rate to other cities in California and the median property tax rates in California and the U.S.
Property Tax Rates Across Cardiff By The Sea, San Diego County, California
Source: Ownwell
0.98%
1.31%
1.63%
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 Cardiff By The Sea Tax Rate
1.14%
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 Diego County Tax Rate
1.19%
Median Effective California Tax Rate
1.21%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Cardiff By The Sea, San Diego County, California
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 92007 | 1.09% | 1.11% | 1.14% | 1.21% | 1.34% |
Source: Ownwell
$774
Average Annual Tax Savings
Save on Your Property Taxes and More With Ownwell
Property Tax Assessment Values Across Cardiff By The Sea, San Diego County, California
When examining property taxes in Cardiff By The Sea, 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 San Diego 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 San Diego 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 understanding how assessed and market values are determined, property owners can better navigate their tax responsibilities in Cardiff By The Sea.
For example, the median home price in Cardiff By The Sea is $756,594, with tax bills ranging significantly across the county. ZIP code 92007 has the highest median home price at $756,594.
Property Tax Assessment Values Across Cardiff By The Sea, San Diego County, California
Source: Ownwell
$117,550
$1,502,330
$2,887,110
Median Cardiff By The Sea Market Value
$756,594
Median San Diego County Market Value
$499,949
Median California Market Value
$427,605
Median United States Market Value
$235,294
Property Tax Assessment Values Across Cardiff By The Sea, San Diego County, California
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 92007 | $195,097 | $382,832 | $756,594 | $1,377,063 | $2,132,569 |
Source: Ownwell
$774
Average Annual Tax Savings
Save on Your Property Taxes and More With Ownwell
Property Tax Bills Across Cardiff By The Sea, San Diego County, California
Property tax bills in Cardiff By The Sea are based on the assessed value of a home, not its market price alone, and that assessment is used to calculate what homeowners owe each year. With a median home price of $756,594, tax bills can vary widely depending on the property’s assessed value and local tax rates. In San Diego County, the 25th percentile tax bill is $4,436, while the 75th percentile is $14,579 and the 90th percentile reaches $22,695, showing how much bills can differ from one homeowner to another.
For many homeowners, a higher assessed value can mean a larger property tax bill and more pressure on monthly housing costs. That is why reviewing an assessment matters.
Ownwell helps homeowners save by identifying opportunities to appeal an unfair assessment and uncovering exemptions that may lower the bill. If your property is overassessed, Ownwell can help reduce what you pay and keep more money in your pocket.
Property Tax Bills Across Cardiff By The Sea, San Diego County, California
Source: Ownwell
$1,113
$15,770
$30,427
Median Cardiff By The Sea Tax Bill
$8,266
Median San Diego County Tax Bill
$5,807
Median California Tax Bill
$5,134
Median United States Tax Bill
$2,400
Property Tax Bills Across Cardiff By The Sea, San Diego County, California
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 92007 | $2,480 | $4,436 | $8,266 | $14,579 | $22,695 |
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 | |
|---|---|
| San Diego Tax Assessor | |
| Phone | (858) 505-6262 |
| Website | www.sdarcc.gov |
| arcc.fgg@sdcounty.ca.gov | |