Taxes in San Mateo, California
Complete tax guide for San Mateo, CA. State income tax up to 9.3%, 0.76% property tax, 7.26% sales tax. Calculate your total tax burden.
State Income Tax
9.3%
California
Property Tax
0.76%
Effective rate
Sales Tax
7.26%
Combined rate
Tax Burden
Very High
San Mateo, CA Tax Overview
Population
105,661
Median Income
$105,000
Cost of Living
188.2 (100 = avg)
State Income Tax
9.3%
Median Home Price
$1,350,000
San Mateo Tax Calculator
Pre-filled with San Mateo median: $105,000
Total Tax Burden in San Mateo
$32,512
Take-Home: $72,489 · Effective Rate: 30.96%
Federal Tax
$14,714
14.01% eff.
CA State
$9,765
9.30% eff.
FICA
$8,033
7.65% eff.
Take-Home
$72,489
69.04% kept
Tax Breakdown
| Item | Annual | Monthly |
|---|---|---|
| Gross Income | $105,000.00 | $8,750.00 |
| Federal Income Tax | -$14,714.00 | -$1,226.17 |
| California State Tax | -$9,765.00 | -$813.75 |
| Social Security (6.2%) | -$6,510.00 | -$542.50 |
| Medicare (1.45%) | -$1,522.50 | -$126.88 |
| Take-Home Pay | $72,488.50 | $6,040.71 |
Property Tax in San Mateo
Median Home
$1,350,000
Annual Tax
$10,260
Monthly Tax
$855
Effective Rate
0.76%
Sales Tax in San Mateo
Combined Rate
7.26%
State Portion
~4.8%
Local Portion
~2.5%
The combined sales tax rate in San Mateo is 7.26%, which is above the national average of 7.12%. On a $100 purchase, you would pay $7.26 in sales tax.
Tax Burden Comparison
| Tax Type | San Mateo | California Avg | National Avg |
|---|---|---|---|
| Income Tax | 9.3% | 9.3% | 4.6% |
| Property Tax | 0.76% | ~0.76% | 1.1% |
| Sales Tax | 7.26% | ~7.26% | 7.12% |
| Overall Burden | Very High | — | Moderate |
Tax Saving Tips for San Mateo 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 Mateo (0.76%) 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 Mateo, CA?
San Mateo, California has a state income tax rate up to 9.3%. The property tax rate is 0.76% and the combined sales tax rate is 7.26%.
How much is property tax in San Mateo?
The effective property tax rate in San Mateo is 0.76%. On the median home price of $1,350,000, this equals approximately $10,260 per year or $855 per month. This is below the national average of 1.1%.
What is the sales tax rate in San Mateo?
The combined sales tax rate in San Mateo is 7.26%, which includes both state and local components. This is above the national average combined rate of approximately 7.12%.
How does San Mateo's tax burden compare to other cities?
San Mateo has a very high overall tax burden. The effective total tax rate for a median-income household is approximately 36.5%. The combination of 9.3% state income tax, 0.76% property tax, and 7.26% sales tax determines the total burden. Cost of living index is 188.2 (100 = national average).
Are there any local taxes in San Mateo?
San Mateo 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).