Property Details
San Luis Obispo County median: $825,000
San Luis Obispo County average: 0.980%
California Property Tax Note
California Proposition 13 caps the base property tax rate at 1% of assessed value at purchase, plus voter-approved local bonds and assessments. Actual rates vary by city due to Mello-Roos and special assessments.
Your Property Tax Estimate
Annual Tax
$8,085
Monthly Tax
$674
Effective Rate
0.980%
Tax at Different Price Points in San Luis Obispo County
| Home Price | Annual Tax | Monthly Tax |
|---|---|---|
| $500,000 | $4,900 | $408 |
| $750,000 | $7,350 | $613 |
| $1,000,000 | $9,800 | $817 |
| $1,500,000 | $14,700 | $1,225 |
| $2,000,000 | $19,600 | $1,633 |
Based on 0.980% effective tax rate for San Luis Obispo County.
Impact on Monthly Mortgage Payment
Property taxes are part of your total PITI (Principal, Interest, Taxes, Insurance) payment. Lenders include $674/month in your qualifying debt-to-income ratio.
Monthly Tax Escrow
$674
Annual Tax Bill
$8,085
Calculations are estimates for educational purposes only. Actual property taxes depend on your county assessor's valuation, local bond measures, Mello-Roos districts, and homeowner exemptions. Contact Mo Abdel at (949) 822-9662 for a personalized mortgage analysis. NMLS #1426884 | Lumin Lending NMLS #2716106.
City Tax Estimators in San Luis Obispo County
Frequently Asked Questions
What is the average property tax rate in San Luis Obispo County, California?
The average effective property tax rate in San Luis Obispo County is 0.98% for 2026. On the median home value of $825,000, that equals approximately $8,085 per year or $674 per month.
How are property taxes calculated in San Luis Obispo County?
In San Luis Obispo County, California, property taxes start with Proposition 13's base rate of 1% of the assessed value (purchase price), plus voter-approved local bonds and Mello-Roos special assessments. The assessed value increases by a maximum of 2% per year regardless of market appreciation.
What is Mello-Roos and does it affect San Luis Obispo County property taxes?
Mello-Roos is a special tax district in California that funds local infrastructure and services in newer developments. Many communities in San Luis Obispo County have Mello-Roos assessments ranging from 0.25% to 1.5% of the home's original sale price, added on top of the base property tax. Check with San Luis Obispo County County Assessor for specific Mello-Roos districts.
How do property taxes affect my mortgage payment in San Luis Obispo County?
Property taxes are included in your monthly PITI payment (Principal, Interest, Taxes, Insurance). In San Luis Obispo County, the estimated $674/month tax escrow on a median-priced home is factored into your debt-to-income ratio by lenders. This directly affects how much home you qualify for.
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