$2,840/year | $237/month | Rate: 0.71%
Here's a complete breakdown of property tax on a $400,000 home in California for 2026.
| Detail | Amount |
|---|---|
| Home Value | $400,000 |
| California Effective Tax Rate | 0.71% |
| Annual Property Tax | $2,840 |
| Monthly Escrow Amount | $237 |
| National Average (1.07%) | $4,280 |
| Difference vs National Avg | $-1,440/year |
| State | Tax Rate | Annual Tax | Monthly | vs California |
|---|---|---|---|---|
| California (You) | 0.71% | $2,840 | $237 | — |
| Washington | 0.87% | $3,480 | $290 | +$640/yr |
| Arizona | 0.62% | $2,480 | $207 | $-360/yr |
| Texas | 1.6% | $6,400 | $533 | +$3,560/yr |
| Home Value | Annual Tax | Monthly |
|---|---|---|
| $200K | $1,420 | $118 |
| $250K | $1,775 | $148 |
| $300K | $2,130 | $178 |
| $350K | $2,485 | $207 |
| $400K ← You | $2,840 | $237 |
| $450K | $3,195 | $266 |
| $500K | $3,550 | $296 |
| $600K | $4,260 | $355 |
| $750K | $5,325 | $444 |
| $1M | $7,100 | $592 |
Homeowner's Exemption ($7,000 off assessed value), Prop 13 limits annual increases to 2%, Veterans' Exemption, Disabled Veterans' Exemption up to $254,656
Calculate your own numbers
Open PropertyCalcTools →Property tax on a $400,000 home in California is approximately $2,840 per year, or $237 per month. California's effective property tax rate is 0.71%, which is below the national average of 1.07%.
To lower property tax in California: 1) Apply for all available exemptions (homestead, senior, veteran), 2) Appeal your assessment if your home is overvalued — success rates are 30-50%, 3) Check for errors in your property record (square footage, lot size, features), 4) Compare your assessment with similar nearby properties.
Property tax due dates vary by county in California, but most jurisdictions bill semi-annually or annually. If you have a mortgage, property taxes are typically paid through your monthly escrow payment ($237/month for a $400K home). Contact your county assessor's office for exact deadlines.