Taxes in San Diego, California
Complete tax guide for San Diego, CA. State income tax up to 13.3%, 0.73% property tax, 7.75% sales tax. Calculate your total tax burden.
State Income Tax
13.3%
California
Property Tax
0.73%
Effective rate
Sales Tax
7.75%
Combined rate
Tax Burden
Very High
San Diego, CA Tax Overview
Lower sales tax than LA; high property values
Population
1,386,932
Median Income
$83,454
Cost of Living
162.5 (100 = avg)
State Income Tax
13.3%
Median Home Price
$785,000
San Diego Tax Calculator
Pre-filled with San Diego median: $83,454
Total Tax Burden in San Diego
$27,457
Take-Home: $55,997 · Effective Rate: 32.90%
Federal Tax
$9,974
11.95% eff.
CA State
$11,099
13.30% eff.
FICA
$6,384
7.65% eff.
Take-Home
$55,997
67.10% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $83,454.00 | $6,954.50 |
| Federal Income Tax | -$9,973.88 | -$831.16 |
| California State Tax | -$11,099.38 | -$924.95 |
| Social Security (6.2%) | -$5,174.15 | -$431.18 |
| Medicare (1.45%) | -$1,210.08 | -$100.84 |
| Take-Home Pay | $55,996.51 | $4,666.38 |
Property Tax in San Diego
Median Home
$785,000
Annual Tax
$5,731
Monthly Tax
$478
Effective Rate
0.73%
Sales Tax in San Diego
Combined Rate
7.75%
State Portion
~5.3%
Local Portion
~2.5%
The combined sales tax rate in San Diego is 7.75%, which is above the national average of 7.12%. On a $100 purchase, you would pay $7.75 in sales tax.
Tax Burden Comparison
| Tax Type | San Diego | California Avg | National Avg |
|---|---|---|---|
| Income Tax | 13.3% | 13.3% | 4.6% |
| Property Tax | 0.73% | ~0.73% | 1.1% |
| Sales Tax | 7.75% | ~7.75% | 7.12% |
| Overall Burden | Very High | — | Moderate |
Tax Saving Tips for San Diego Residents
- California's income tax rate of 13.3% 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 Diego (0.73%) 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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Very HighCalculate Your Full California Tax Burden
See detailed state tax brackets, FICA breakdown, and compare to neighboring states.
Frequently Asked Questions
What are the tax rates in San Diego, CA?
San Diego, California has a state income tax rate up to 13.3%. The property tax rate is 0.73% and the combined sales tax rate is 7.75%. Lower sales tax than LA; high property values
How much is property tax in San Diego?
The effective property tax rate in San Diego is 0.73%. On the median home price of $785,000, this equals approximately $5,731 per year or $478 per month. This is below the national average of 1.1%.
What is the sales tax rate in San Diego?
The combined sales tax rate in San Diego is 7.75%, which includes both state and local components. This is above the national average combined rate of approximately 7.12%.
How does San Diego's tax burden compare to other cities?
San Diego has a very high overall tax burden. The effective total tax rate for a median-income household is approximately 38%. The combination of 13.3% state income tax, 0.73% property tax, and 7.75% sales tax determines the total burden. Cost of living index is 162.5 (100 = national average).
Are there any local taxes in San Diego?
San Diego does not impose a separate local or city income tax. Residents pay the state income tax of 13.3%, federal income tax, and FICA (Social Security and Medicare). Lower sales tax than LA; high property values