94038 Property Tax Rate
Moss Beach, California · Part of San Mateo County
Effective Tax Rate
0.72%
64.4% above state avgMedian Annual Tax
$8,056
$671/mo escrow
Estimate Your Tax
Annual Tax
$8,056
Monthly
$671
Eff. Rate
0.72%
Buyer decision brief
What ZIP 94038 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$671/mo
Based on median annual tax paid
State context
0.03 percentage points above the California average
California average: 0.69%
Data confidence
Moderate confidenceThe Census margin of error is $2,801, about 35% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with San Mateo County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 94038 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Moderate ACS confidence
$2,801 tax MOE, 35% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County context only
San Mateo County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 94038
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $1,112,900, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 0.72%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on California and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $671 per month before insurance, HOA dues, or special assessments.
Assessor verification
San Mateo County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 94038 Compares
Median Annual Property Tax
ZIP 94038
0.72%
Effective rate
California Avg
0.69%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in California
Higher than 65% of ZIP codes in California(65th percentile, 1,562 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 94038
Property owners in ZIP code 94038 (Moss Beach, California) pay a median of $8,056/year in property taxes on homes valued at $1,112,900. This translates to an effective tax rate of 0.72%, which is 4% above the California state average of 0.69%.
The monthly property tax burden for a median-valued home in 94038 is approximately $671, which factors into escrow payments on mortgages. This ZIP code is located within San Mateo County. This is $3,156 more than the California average of $4,900/year.
Compared to similar ZIP codes in California, 94038 has higher property taxes. ZIP codes with similar effective rates include 91722 (0.72%) and 93274 (0.72%).
In Moss Beach, property taxes represent approximately 6.3% of the median household income of $128,333, providing context for the relative tax burden on homeowners in this area.
If you're considering purchasing a home in 94038, keep in mind that property taxes are based on the assessed value assigned by the local assessor, which may differ from the purchase price. In some states, properties are reassessed at or near the sale price upon transfer of ownership. For the most current tax information for a specific property, consult San Mateo County's tax assessor directly.
Frequently Asked Questions
What is the property tax rate in ZIP code 94038?
How much are property taxes in Moss Beach, CA (94038)?
How does ZIP 94038 compare to the California average?
What is the median home value in ZIP 94038?
What county is ZIP code 94038 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$2,801. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 94038 is part of San Mateo County, California. View the full county profile for broader context and more data.
View San Mateo County on TaxByCounty →Why compare these ZIPs?
Better comparison set for ZIP 94038
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
94030
Millbrae, CA
0.24 percentage points lower than ZIP 94038.
Rate
0.49%
Tax
$9,387
Quality
82
94061
Redwood City, CA
0.23 percentage points lower than ZIP 94038.
Rate
0.49%
Tax
$9,510
Quality
89
94002
Belmont, CA
0.22 percentage points lower than ZIP 94038.
Rate
0.50%
Tax
$10,001
Quality
68
94010
Burlingame, CA
0.22 percentage points lower than ZIP 94038.
Rate
0.50%
Tax
$10,001
Quality
68
94025
Menlo Park, CA
0.22 percentage points lower than ZIP 94038.
Rate
0.50%
Tax
$10,001
Quality
68
94027
Atherton, CA
0.22 percentage points lower than ZIP 94038.
Rate
0.50%
Tax
$10,001
Quality
68
94028
Portola Valley, CA
0.22 percentage points lower than ZIP 94038.
Rate
0.50%
Tax
$10,001
Quality
68
94062
Redwood City, CA
0.22 percentage points lower than ZIP 94038.
Rate
0.50%
Tax
$10,001
Quality
77
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.