San Francisco, CA Property Tax Rates
Compare property tax rates across 25 ZIP codes in San Francisco, California.
Avg Tax Rate
0.65%
Avg Annual Tax
$9,301
Avg Home Value
$1,477,972
ZIP Codes
25
Property Tax Overview: San Francisco, CA
San Francisco has 25 ZIP codes with property tax data. The average effective tax rate across these ZIPs is 0.65%, which is 7% below the California average of 0.69%. Annual property taxes range from $10,001 (ZIP 94123) to $9,824 (ZIP 94102).
For a home at San Francisco's median value of $1,477,972, property taxes add approximately $797/month to housing costs. San Francisco home values are above the California median of $744,838, meaning the monthly tax impact is correspondingly higher.
Property tax rates within San Francisco vary by 0.49 percentage points across its ZIP codes. This variation typically reflects different school district boundaries, special assessment zones, and municipal service areas within the city.
ZIP Codes in San Francisco, CA
| ZIP Code | Effective Rate | Median Tax | Median Home Value |
|---|---|---|---|
| 94123 | 0.50% | $10,001 | $2,000,001 |
| 94104 | 0.50% | $10,001 | $1,992,600 |
| 94127 | 0.53% | $10,001 | $1,897,700 |
| 94134 | 0.54% | $5,705 | $1,064,100 |
| 94118 | 0.55% | $10,001 | $1,817,200 |
| 94122 | 0.56% | $8,394 | $1,507,100 |
| 94114 | 0.56% | $10,001 | $1,771,700 |
| 94124 | 0.57% | $5,954 | $1,043,200 |
| 94131 | 0.57% | $10,001 | $1,749,500 |
| 94116 | 0.57% | $8,295 | $1,450,000 |
| 94121 | 0.57% | $9,357 | $1,634,600 |
| 94133 | 0.58% | $8,777 | $1,519,100 |
| 94115 | 0.59% | $10,001 | $1,684,100 |
| 94117 | 0.61% | $10,001 | $1,641,400 |
| 94112 | 0.62% | $7,208 | $1,159,600 |
| 94132 | 0.63% | $9,157 | $1,458,700 |
| 94110 | 0.66% | $9,855 | $1,500,200 |
| 94158 | 0.67% | $10,001 | $1,501,100 |
| 94105 | 0.68% | $10,001 | $1,461,700 |
| 94109 | 0.72% | $10,001 | $1,390,000 |
| 94107 | 0.82% | $10,001 | $1,227,000 |
| 94111 | 0.82% | $9,980 | $1,217,300 |
| 94108 | 0.83% | $10,001 | $1,207,500 |
| 94103 | 0.95% | $10,001 | $1,057,600 |
| 94102 | 0.99% | $9,824 | $996,300 |
San Francisco vs California Average
Effective Tax Rate
7% below state average
Annual Property Tax
Median Home Value
Frequently Asked Questions
What is the average property tax rate in San Francisco, CA?
The average effective property tax rate in San Francisco, California is 0.65%, based on 25 ZIP codes.
How much is property tax in San Francisco, CA?
The average median annual property tax in San Francisco is $9,301 per year, with a median home value of $1,477,972.
Which ZIP code in San Francisco has the lowest property tax rate?
ZIP code 94123 has the lowest effective tax rate in San Francisco at 0.50%, with a median annual tax of $10,001.
How many ZIP codes are in San Francisco, CA?
San Francisco, California has 25 ZIP codes with property tax data available.
Which ZIP code in San Francisco has the highest property tax rate?
ZIP code 94102 has the highest effective tax rate in San Francisco at 0.99%, with a median annual tax of $9,824.
How do San Francisco property taxes compare to the California average?
San Francisco's average effective rate of 0.65% is 7% below the California state average of 0.69%.
What factors affect property tax rates between ZIP codes in San Francisco?
Property tax rate differences within San Francisco are typically driven by school district boundaries (which can account for 40–60% of a tax bill), special assessment zones for fire, water, or transit services, and whether a ZIP falls within city limits or an unincorporated area. Each taxing jurisdiction sets its own rate, which is why adjacent ZIP codes can have noticeably different effective rates.
Tips for San Francisco Homeowners
- •Appeal your assessment: If your home is assessed higher than its market value, you can file a property tax appeal. Studies suggest 30–60% of properties are over-assessed. Most counties offer a free informal review process.
- •Check your exemptions: Homestead exemptions can reduce your taxable value and are available to primary residents in most states. Senior, veteran, and disability exemptions may also apply. Exemptions must typically be applied for — they are not automatic.
- •Know your assessment cycle: California reassesses properties periodically. After buying a home, your next tax bill may reflect a new assessment based on your purchase price. Budget accordingly, especially if you bought above prior assessed values.
- •Compare ZIP codes before buying: Even within San Francisco, effective tax rates can vary significantly across ZIP codes due to different school district overlays. Use PropertyTaxByZip to compare specific ZIPs before choosing a neighborhood.
Other Cities in California
Looking for county-level property tax data? View San Francisco County on TaxByCounty.com
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.