Santa Cruz County, CA Property Tax: $6,305/yr (2026)
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The effective property tax rate in Santa Cruz County is 0.62% of assessed home value. On a home at the county median value of $1,015,200, that works out to about $6,294 per year, or $525 per month. Santa Cruz County is located in central California, with Santa Cruz as its county seat, and is home to approximately 266,021 residents.
About Santa Cruz County
Santa Cruz County covers approximately 445.1 square miles in California. The county is home to about 266,021 residents living in roughly 106,635 housing units, of which 54.5% are owner-occupied. The median household income is $109,266, and the median home was built in 1973.
The county seat is Santa Cruz. Santa Cruz County borders Monterey County, San Benito County, San Mateo County, Santa Clara County — useful comparisons if you're considering nearby areas with potentially different tax rates.
How Property Taxes Work in California
Property taxes in California are administered at the county level. Each county sets a millage rate applied to the assessed value of real property — the effective rate above accounts for any partial assessments and exemptions already built into the local tax base. Assessed value can differ meaningfully from current market value depending on how often the county reassesses and what fraction of market value it uses.
Most counties in California offer exemptions that reduce the taxable assessed value: homestead exemptions for primary residences, senior exemptions, disability exemptions, and veteran exemptions are common. These reduce your effective rate below the county-wide average shown here. Contact the Santa Cruz County Assessor's office to learn which exemptions apply to your property and when to file.
Santa Cruz County vs. Neighboring Counties
| Location | Eff. Rate | Median Home | Annual Tax |
|---|---|---|---|
| Santa Cruz County, CA | 0.62% | $1,015,200 | $6,294 |
| California state average | 0.71% | — | $7,208* |
| Monterey County | 0.66% | $723,100 | $4,782 |
| San Benito County | 0.81% | $751,500 | $6,078 |
| San Mateo County | 0.61% | $1,494,500 | $9,167 |
| Santa Clara County | 0.71% | $1,382,800 | $9,766 |
| US national average | 1.10% | $281,900 | $3,101 |
*State average annual tax computed at Santa Cruz County's median home value of $1,015,200. Source: US Census ACS 2023 5-year estimates.
Frequently Asked Questions
How does Santa Cruz County's property tax rate compare to the rest of California?
At 0.62%, Santa Cruz County is lower than the California state average of 0.71%. On a home at the county median of $1,015,200, that means about $6,294 per year — versus $7,208 at the state average rate, a difference of $914 per year. Compared to the national average of 1.10%, Santa Cruz County is below average.
What's a typical annual property tax bill in Santa Cruz County?
For a home at the county median value of $1,015,200, the annual property tax in Santa Cruz County is approximately $6,294 — or about $525 per month. For a home worth $1,522,800, expect around $9,441 per year. For a $2,030,400 home, approximately $12,588 per year. Use the calculator above to estimate taxes for any assessed value.
Where do I appeal a Santa Cruz County property tax assessment?
Property assessment appeals in Santa Cruz County are handled by the Santa Cruz County Assessor's office in Santa Cruz. Most jurisdictions require filing within 30–90 days of receiving your assessment notice — confirm the specific deadline with the assessor's office before submitting, as deadlines and procedures vary by county. A successful appeal can reduce your assessed value and lower your tax bill for the current and future tax years.
What exemptions are available in Santa Cruz County?
California counties commonly offer homestead exemptions for owner-occupied primary residences, senior citizen exemptions for qualifying homeowners aged 65 and older, exemptions for disabled residents, and veterans' exemptions. Each exemption reduces your assessed taxable value, which in turn reduces your effective tax rate below the county-wide 0.62% shown here. Contact the Santa Cruz County Assessor's office to confirm which exemptions are available and the application deadlines.
Data sources: US Census Bureau ACS 2023 5-Year Estimates, US Census Gazetteer (2024), County Adjacency File