Santa Cruz County property tax

First secured installment

Due

Officially published

6 days left Until this due date

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Last day to pay without a penalty: .

Read the county’s exact wording

Officially published. Check the county’s payment time and method. Updated daily.

First installment due November 1, 2026. Pay by December 10, 2026, to avoid penalties.

Not tax or legal advice; confirm with your county. Dates are shown as published by the source.

Installment timeline

2026–2027

Due dates and filing windows, in one view.

Sources. Checked .

Today:

  1. First secured installment

    November 1, 2026

    Officially published

  2. Second secured installment

    February 1, 2027

    Set by law

Assessment notice: not yet verified.

Appeal window: not yet verified.

How to pay

Sources. Checked .

Payment methods

Online e-check, Discover credit card

Officially published

Fees

E-check is free; a service fee applies to Discover card payments.

Officially published

Late payments and penalties

Sources. Checked .

10% penalty on each delinquent installment; additional costs may apply when the second installment is delinquent.

Officially published

A numerical example is unavailable without a verified single percentage and unit. Use the published rule or ask the county for a payoff amount.

Assessment appeals

Sources. Checked .

Where to file

Clerk of the Board, Attn: Assessment Appeals Board, 701 Ocean Street, Room 520, Santa Cruz, CA 95060

Officially published

Official appeal information

Officially published

Exemptions

Sources. Checked .

Homeowners' Exemption

Who may qualify

Qualifying owner-occupied principal residence on January 1; $7,000 reduction of taxable value.

Officially published

Official exemption information

Officially published

Senior and Disabled Citizen Exemptions

Who may qualify

People age 65 or older may qualify for exemption from a parcel tax only if the voter-approved measure includes an enabling exemption. Contact the applicable district about eligibility and filing.

Officially published

Official exemption information

Officially published

Property Tax Postponement for Senior Citizens, Blind or Disabled Persons

Who may qualify

Eligible homeowners may postpone current-year property tax on their primary residence through the State Controller’s program.

Officially published

Savings

Applications are accepted October 1–February 10 each year.

Officially published

Official exemption information

Officially published

County offices

Sources. Checked .

Laura Bowers, Auditor-Controller-Treasurer-Tax Collector

collector

Officially published

Phone

(831) 454-2510

Officially published

Official office website

Officially published

Common questions

Sources. Checked .

When is property tax due in Santa Cruz County?

First secured installment: November 1, 2026 (Officially published). Second secured installment: February 1, 2027 (Set by law).

Where can I pay Santa Cruz County property tax?

Use the official payment portal: https://ttc.co.santa-cruz.ca.us/TaxBills/. Online e-check, Discover credit card

What is the late-payment penalty for Santa Cruz County property tax?

10% penalty on each delinquent installment; additional costs may apply when the second installment is delinquent.

Does Santa Cruz County charge a fee to pay property tax online?

E-check is free; a service fee applies to Discover card payments.

Sources

Sources. Checked .

Read the source quotations (16)
https://www.santacruzcountyca.gov/Default.aspx?TabID=4490
2026–2027 Secured Annual Property Tax Bills are now available online and are being mailed.

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https://www.santacruzcountyca.gov/Default.aspx?TabID=4490
First installment due November 1, 2026. Pay by December 10, 2026, to avoid penalties.

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https://boe.ca.gov/proptaxes/calendar.htm
§ 2606 Rev. & Tax. Code February 1 Property owners Second installment real property taxes due and payable.

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https://boe.ca.gov/proptaxes/calendar.htm
§§ 2618 and 2705 Rev. & Tax. Code April 10 Property owners Second installment of taxes on the secured roll, if unpaid, is delinquent at 5:00 p.m., or close of business day, whichever is later.

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https://boe.ca.gov/proptaxes/calendar.htm
If the specified date falls on Saturday, Sunday, or a legal holiday, the action may be done on the next business day. (Government Code §§ 6706, 6707)

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https://www.boe.ca.gov/proptaxes/homeowners_exemption.htm
Homeowners' Exemption

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https://www.boe.ca.gov/proptaxes/homeowners_exemption.htm
The California Constitution provides a $7,000 reduction in the taxable value for a qualifying owner-occupied home. The home must have been the principal place of residence of the owner on the lien date, January 1st.

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https://www.santacruzcountyca.gov/Departments/TaxCollector/TaxCollectionDivision/Exemptions.aspx
Under Government Code Section 50079, persons age 65 and older may be exempted from paying the parcel taxes, provided that an enabling exemption is included in the wording approved by the ballot measure.

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https://www.santacruzcountyca.gov/Departments/TaxCollector/TaxCollectionDivision/Exemptions.aspx
The State Controller’s Office (SCO) administers the Property Tax Postponement (PTP) program, which allows eligible homeowners to postpone payment of current-year property taxes on their primary residence.

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https://www.santacruzcountyca.gov/Departments/TaxCollector/TaxCollectionDivision/Exemptions.aspx
PTP applications are accepted from October 1 to February 10 each year.

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https://www.santacruzcountyca.gov/Departments/TaxCollector/TaxCollectionDivision/PayPropertyTax.aspx
Online (recommended): e-check (free, immediate confirmation) Credit Card: Discover accepted (service fee applies)

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https://www.santacruzcountyca.gov/Departments/TaxCollector/TaxCollectionDivision/PayPropertyTax.aspx
A 10% penalty is added to any unpaid installment after the delinquency date. If the second installment becomes delinquent, additional costs may also apply.

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https://www.santacruzcountyca.gov/Default.aspx?TabID=4490
Laura Bowers, CPA, CPFO Auditor-Controller-Treasurer-Tax Collector

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https://www.santacruzcountyca.gov/Departments/ClerkoftheBoard/AssessmentAppealsBoard/Contactus.aspx
Clerk of the Board Attn: Assessment Appeals Board 701 Ocean Street, Room 520 Santa Cruz, CA 95060

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How we verified this page

Official sources, verification dates and corrections

Property tax in Santa Cruz County: county, state and US

Compare Census estimates and read the sampling notes

Sources. Checked .

Census ACS 2020–2024 estimates for owner-occupied homes. The median annual tax paid is a historical survey estimate, not a quote for this year’s bill.

AreaMedian annual tax paidMedian home valueEffective rate estimate
Santa Cruz County$6,538 $1,027,500 0.64%
California$5,124 $734,700 0.70%
United States$3,119 $332,700 0.94%

Santa Cruz County’s effective-rate point estimate is 0.06 percentage points below California’s and 0.30 percentage points below the US estimate.

Effective rate = median annual real estate taxes paid (B25103) ÷ median owner-occupied home value (B25077). State and US figures use their own Census medians, not averages of counties. These ratios are not rates set by law or medians of individual tax rates. Differences are not tests of statistical significance. Bounded or missing estimates stay unavailable.

Census sources, quotations and sampling uncertainty

Santa Cruz County

Annual taxes: $6,538 (90% margin of error: ±$166). Census table B25103_001E.

0500000US06087|6538|166|7434|226|4595|320

Home value: $1,027,500 (90% margin of error: ±$15,133). Census table B25077_001E.

0500000US06087|1027500|15133

Estimated effective rate: 0.64%. Census source.

0500000US06087|6538|166|7434|226|4595|320

California

Annual taxes: $5,124 (90% margin of error: ±$17). Census table B25103_001E.

0400000US06|5124|17|5839|17|3825|19

Home value: $734,700 (90% margin of error: ±$1,307). Census table B25077_001E.

0400000US06|734700|1307

Estimated effective rate: 0.70%. Census source.

0400000US06|5124|17|5839|17|3825|19

United States

Annual taxes: $3,119 (90% margin of error: ±$4). Census table B25103_001E.

0100000US|3119|4|3489|4|2576|4

Home value: $332,700 (90% margin of error: ±$236). Census table B25077_001E.

0100000US|332700|236

Estimated effective rate: 0.94%. Census source.

0100000US|3119|4|3489|4|2576|4

Guides and related dates

Santa Cruz County property tax calculator

Estimate your bill, check exemptions and compare counties

Tools: Santa Cruz County, CA

Property tax calculator

Estimated annual property tax $6,538

$1,027,500 home value × 0.64% Census effective rate ≈ $6,538 per year. Uses the unrounded ratio; your actual bill may differ.

Estimate only. Not tax, legal or financial advice; confirm with your county.

Starts at the Census median for Santa Cruz County, CA.

Math and official Census sources

$6,538 median annual tax ÷ $1,027,500 median home value = 0.64%. Census ACS 2020–2024; a historical survey ratio, not a parcel tax rate.

0500000US06087|1027500|15133

Census source. Last verified 2026-10-24.

0500000US06087|6538|166|7434|226|4595|320

Census source. Last verified 2026-10-24.

Full Santa Cruz County, CA calculator: exemptions, rates, dates and reminders

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What's next for you

Santa Cruz County, CA

Due date:

Official source

Officially published. Verified October 24, 2026.

First installment due November 1, 2026. Pay by December 10, 2026, to avoid penalties.

Check the official source

Reminders for your county

Santa Cruz County, CA. Calendar alerts are set for 14, 3 and 1 day before each verified due date.

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Updated , from cited verification dates. Individual sources may have earlier checks.