95497 Property Tax Rate
The Sea Ranch, California · Part of Sonoma County
Effective Tax Rate
0.65%
59.9% above state avgMedian Annual Tax
$7,836
$653/mo escrow
Estimate Your Tax
Annual Tax
$7,836
Monthly
$653
Eff. Rate
0.65%
Buyer decision brief
What ZIP 95497 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
$653/mo
Based on median annual tax paid
State context
0.04 percentage points below the California average
California average: 0.69%
Data confidence
Moderate confidenceThe Census margin of error is $1,567, about 20% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Sonoma 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 95497 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
$1,567 tax MOE, 20% 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
Sonoma County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 95497
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 $1,198,200, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 0.65%, 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 $653 per month before insurance, HOA dues, or special assessments.
Assessor verification
Sonoma County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 95497 Compares
Median Annual Property Tax
ZIP 95497
0.65%
Effective rate
California Avg
0.69%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in California
Lower than 58% of ZIP codes in California(42th percentile, 1,562 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 95497
Property owners in ZIP code 95497 (The Sea Ranch, California) pay a median of $7,836/year in property taxes on homes valued at $1,198,200. This translates to an effective tax rate of 0.65%, which is 6% below the California state average of 0.69%.
The monthly property tax burden for a median-valued home in 95497 is approximately $653, which factors into escrow payments on mortgages. This ZIP code is located within Sonoma County. This is $2,936 more than the California average of $4,900/year.
Compared to similar ZIP codes in California, 95497 has higher property taxes. ZIP codes with similar effective rates include 90631 (0.65%) and 96145 (0.65%).
In The Sea Ranch, property taxes represent approximately 6.4% of the median household income of $121,731, providing context for the relative tax burden on homeowners in this area.
If you're considering purchasing a home in 95497, 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 Sonoma County's tax assessor directly.
Frequently Asked Questions
What is the property tax rate in ZIP code 95497?
How much are property taxes in The Sea Ranch, CA (95497)?
How does ZIP 95497 compare to the California average?
What is the median home value in ZIP 95497?
What county is ZIP code 95497 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$1,567. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 95497 is part of Sonoma County, California. View the full county profile for broader context and more data.
View Sonoma County on TaxByCounty →Why compare these ZIPs?
Better comparison set for ZIP 95497
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
95412
Annapolis, CA
0.27 percentage points lower than ZIP 95497.
Rate
0.38%
Tax
$2,868
Quality
66
95439
Fulton, CA
0.21 percentage points lower than ZIP 95497.
Rate
0.44%
Tax
$3,618
Quality
69
95462
Monte Rio, CA
0.16 percentage points lower than ZIP 95497.
Rate
0.49%
Tax
$3,511
Quality
79
95421
Cazadero, CA
0.15 percentage points lower than ZIP 95497.
Rate
0.50%
Tax
$3,216
Quality
79
95441
Geyserville, CA
0.10 percentage points lower than ZIP 95497.
Rate
0.56%
Tax
$7,125
Quality
84
94515
Calistoga, CA
0.08 percentage points lower than ZIP 95497.
Rate
0.58%
Tax
$4,798
Quality
79
95442
Glen Ellen, CA
0.07 percentage points lower than ZIP 95497.
Rate
0.58%
Tax
$7,879
Quality
73
95450
Jenner, CA
0.07 percentage points lower than ZIP 95497.
Rate
0.58%
Tax
$4,643
Quality
79
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.