If you’re relocating to San Diego, you may come across the term Mello-Roos tax while searching for homes. It’s something unique to California that’s important to understand before you buy.
Mello-Roos is a special property tax created to help communities fund public improvements like:
- Schools
- Parks and recreation centers
- Police and fire stations
- Roads, sewer, and water systems
Instead of paying for improvements solely through citywide taxes, homeowners within the district share the cost through an additional line item on their property tax bill.
How Much Are Mello-Roos Taxes in San Diego?
Mello-Roos amounts vary widely depending on the neighborhood and the improvements being funded. It’s typically a few hundred to a few thousand dollars annually, and it’s paid in addition to regular property taxes. The tax usually lasts 20–40 years, after which it expires once the bonds are paid off.
Why Do Mello-Roos Taxes in San Diego Matter?
Homes with Mello-Roos may have higher monthly costs.
In exchange, buyers often get access to newer schools, amenities, and infrastructure.
Not all neighborhoods have Mello-Roos, so if you’d prefer to avoid it, I can help you find communities without the tax.
For anyone relocating to San Diego, knowing whether a property has Mello-Roos—and how long it will last—is key to budgeting smartly. Let's connect to talk next steps about your move to San Diego!
