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Wednesday, January 23, 2008

Property Taxes on San Diego County Real Estate

From RealEstateLibrary.com

Under State law (Proposition 13), real property is reappraised only when a change-in-ownership occurs, or upon completion of new construction. Except for these two instances property assessments cannot be increased by more than 2% annually, based on the California Consumer Price Index. The property tax rate is 1%, plus any bonds, fees, or special charges.

This adds up to approximately 1.2% of the purchase price. As a rule of thumb, you can calculate your monthly tax payment by dividing the purchase price by 100. For example, if you purchase a $500,000 property, the taxes will be around $500 per month. Unlike some other states, different cities in California do not have greatly different tax rates.

And there is a huge difference in California - taxes go up only 2% a year, for as long as you own the home. It's not like other states where they decide they need more money and re-assess your home. In Florida, the taxes have doubled just because they have a hurricane. That cannot happen in California. In California, there will never be an unexpected jump. Your taxes will go up 2% a year, never any more than that. So if your taxes are $500 a month, next year it will be $510 a month. That's it!

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