Taxes in San Clemente, California
Complete tax guide for San Clemente, CA. State income tax up to 9.3%, 0.75% property tax, 7.39% sales tax. Calculate your total tax burden.
State Income Tax
9.3%
California
Property Tax
0.75%
Effective rate
Sales Tax
7.39%
Combined rate
Tax Burden
High
San Clemente, CA Tax Overview
Population
64,581
Median Income
$74,300
Cost of Living
149.7 (100 = avg)
State Income Tax
9.3%
Median Home Price
$778,000
San Clemente Tax Calculator
Pre-filled with San Clemente median: $74,300
Total Tax Burden in San Clemente
$20,554
Take-Home: $53,746 · Effective Rate: 27.66%
Federal Tax
$7,960
10.71% eff.
CA State
$6,910
9.30% eff.
FICA
$5,684
7.65% eff.
Take-Home
$53,746
72.34% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $74,300.00 | $6,191.67 |
| Federal Income Tax | -$7,960.00 | -$663.33 |
| California State Tax | -$6,909.90 | -$575.83 |
| Social Security (6.2%) | -$4,606.60 | -$383.88 |
| Medicare (1.45%) | -$1,077.35 | -$89.78 |
| Take-Home Pay | $53,746.15 | $4,478.85 |
Property Tax in San Clemente
Median Home
$778,000
Annual Tax
$5,835
Monthly Tax
$486
Effective Rate
0.75%
Sales Tax in San Clemente
Combined Rate
7.39%
State Portion
~4.9%
Local Portion
~2.5%
The combined sales tax rate in San Clemente is 7.39%, which is above the national average of 7.12%. On a $100 purchase, you would pay $7.39 in sales tax.
Tax Burden Comparison
| Tax Type | San Clemente | California Avg | National Avg |
|---|---|---|---|
| Income Tax | 9.3% | 9.3% | 4.6% |
| Property Tax | 0.75% | ~0.75% | 1.1% |
| Sales Tax | 7.39% | ~7.39% | 7.12% |
| Overall Burden | High | — | Moderate |
Tax Saving Tips for San Clemente Residents
- California's income tax rate of 9.3% is above average. Maximize pre-tax retirement contributions (401k up to $23,500, IRA up to $7,000) to reduce both federal and state taxable income.
- Property tax in San Clemente (0.75%) is below the national average of 1.1%. This makes homeownership more affordable here relative to property tax burden.
- Use a Health Savings Account (HSA) if eligible. Contributions are tax-deductible ($4,300 individual, $8,550 family), growth is tax-free, and withdrawals for medical expenses are tax-free.
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See detailed state tax brackets, FICA breakdown, and compare to neighboring states.
Frequently Asked Questions
What are the tax rates in San Clemente, CA?
San Clemente, California has a state income tax rate up to 9.3%. The property tax rate is 0.75% and the combined sales tax rate is 7.39%.
How much is property tax in San Clemente?
The effective property tax rate in San Clemente is 0.75%. On the median home price of $778,000, this equals approximately $5,835 per year or $486 per month. This is below the national average of 1.1%.
What is the sales tax rate in San Clemente?
The combined sales tax rate in San Clemente is 7.39%, which includes both state and local components. This is above the national average combined rate of approximately 7.12%.
How does San Clemente's tax burden compare to other cities?
San Clemente has a high overall tax burden. The effective total tax rate for a median-income household is approximately 34.6%. The combination of 9.3% state income tax, 0.75% property tax, and 7.39% sales tax determines the total burden. Cost of living index is 149.7 (100 = national average).
Are there any local taxes in San Clemente?
San Clemente does not impose a separate local or city income tax. Residents pay the state income tax of 9.3%, federal income tax, and FICA (Social Security and Medicare).