City of Coronado · CA038
Coronado on Navy orders: the low-rate island city
Coronado carries the lowest common property tax rate of the six towns here. Four of its five tax rate areas sit at 1.05331% for FY 2025-26; the fifth is at 1.20381%. City hall is at 1825 Strand Way, ZIP 92118, which resolves to CA038.
Source: County of San Diego, Table 26 Tax Rate Area Index and Table 27 Tax Rate by Tax Rate Area, FY 2025-26, checked 2026-10-09; City of Coronado, Hours and Locations, checked 2026-10-09; DoD BAH 2026, ZIP-to-housing-area file sorted_zipmha26.txt and mhanames26.txt, checked 2026-10-09.
| Item | Figure | Basis |
|---|---|---|
| Gross assessed value, 2026-27 | $14.47 billion | +6.07% on the prior roll |
| Common tax rate | 1.05331% | 4 of 5 tax rate areas, FY 2025-26 |
| Tax on $997,250 at that rate | $10,504 a year | arithmetic, before exemptions |
| School district | Coronado Unified | district office 201 Sixth Street |
| 2026 BAH O-4 with dependents | $5,082 | CA038 |
Source: San Diego County Assessor, 2026 Summary of Total Assessed Value (Gross) by City, checked 2026-10-09; County of San Diego, Table 26 Tax Rate Area Index and Table 27 Tax Rate by Tax Rate Area, FY 2025-26, checked 2026-10-09; Coronado Unified School District, checked 2026-10-09; DoD BAH 2026, rate files bahw26.dat and bahwo26.dat (May 13, 2026 revision), checked 2026-10-09.
More on the bill than the rate
A California tax bill can carry fixed charges as well as the percentage rate, and the county book notes that exemptions may not reach those. Coronado shows how: the city's FY 2026-27 sewer engineer's report sets sewer service charges that are collected through the San Diego County property tax roll. Ask for the most recent bill on any house, not just its tax rate area.
Source: County of San Diego Auditor and Controller, Property Valuations, Tax Rates, Useful Information for Taxpayers, fiscal year ending June 30, 2026 (tax rate book), checked 2026-10-09; City of Coronado official website (news items), checked 2026-10-09.
SR-75 and roadwork
The city's news page lists an SR-75 median improvement project between Pomona Avenue and Rendova Road and Caltrans maintenance on SR-75 with temporary lane closures in both directions, including some ramps, plus slurry seal work in Coronado Village and the Coronado Cays. Anyone timing a morning drive from Coronado should check the current advisories first.
Source: City of Coronado official website (news items), checked 2026-10-09.
Schools
Coronado Unified School District runs the city's public schools from its office at 201 Sixth Street. Campus assignment depends on the address.
Source: Coronado Unified School District, checked 2026-10-09.
Payment illustration at Coronado's rate
| Price used | $997,250, the county's median price for detached homes reported with the 2026 roll (a countywide figure, not a Coronado figure) |
|---|---|
| VA funding fee, first use, under 5% down (2.15%) | $21,441, financed |
| Loan amount | $1,018,691 |
| Interest rate: Freddie Mac 30-year average, October 8, 2026 | 7.40% |
| Principal and interest, 360 months | $7,053.21 a month |
| Property tax at 1.05331% (4 of its 5 tax rate areas) | About $875 a month |
| Total before insurance, HOA and supplemental bills | About $7,929 a month |
| 2026 BAH CA038, E-5 with dependents | $3,975, which is $3,954 less than the payment |
| 2026 BAH CA038, O-3 with dependents | $4,518, which is $3,411 less than the payment |
Source: San Diego County Assessor/Recorder/County Clerk, news release: 2026 tax roll hits record $845 billion (Jul 2, 2026), checked 2026-10-09; VA.gov, VA funding fee and loan closing costs, checked 2026-10-09; Freddie Mac Primary Mortgage Market Survey, checked 2026-10-09; County of San Diego, Table 26 Tax Rate Area Index and Table 27 Tax Rate by Tax Rate Area, FY 2025-26, checked 2026-10-09; DoD BAH 2026, rate files bahw26.dat and bahwo26.dat (May 13, 2026 revision), checked 2026-10-09.
The lower rate trims roughly $125 a month against Imperial Beach's single rate. Backed out, the E-5 allowance would carry about $500,000 of house here and the O-3 allowance about $568,000. The countywide price used above is not a Coronado price; the city publishes no median of its own.
Across the bay to Gate 6
The measured trip starts at city hall, 1825 Strand Way, and goes via CA-75 N, 5.7 miles to Gate 6 at the 3670 Surface Navy Blvd. pin. Leaving Mon Oct 12 2026, 7:00 AM, Google gave a single value, typically 16 minutes. Because the route uses SR-75, the lane closures listed above can change it. ID check not included.
Drive: Google Maps, depart Mon Oct 12 2026, 7:00 AM PT, checked 2026-10-09. NBSD gate hours: official NBSD gate-hours page (not printed here).
Who it suits
Buyers who will hold a home long enough for a low tax rate to matter, and families who want a single small unified district. A weaker fit for anyone whose budget is already stretched by the county median.
Nearby alternatives
- Chula Vista: 254 tax rate areas and a wide choice of campuses.
- National City: 1.17402% in most areas.
- Imperial Beach: one rate citywide, 1.20381%.
Sources and dates
- County of San Diego, Table 26 Tax Rate Area Index and Table 27 Tax Rate by Tax Rate Area, FY 2025-26, opened 2026-10-09.
- City of Coronado, Hours and Locations, opened 2026-10-09.
- DoD BAH 2026, ZIP-to-housing-area file sorted_zipmha26.txt and mhanames26.txt, opened 2026-10-09.
- San Diego County Assessor, 2026 Summary of Total Assessed Value (Gross) by City, opened 2026-10-09.
- Coronado Unified School District, opened 2026-10-09.
- DoD BAH 2026, rate files bahw26.dat and bahwo26.dat (May 13, 2026 revision), opened 2026-10-09.
- County of San Diego Auditor and Controller, Property Valuations, Tax Rates, Useful Information for Taxpayers, fiscal year ending June 30, 2026 (tax rate book), opened 2026-10-09.
- City of Coronado official website (news items), opened 2026-10-09.
- San Diego County Assessor/Recorder/County Clerk, news release: 2026 tax roll hits record $845 billion (Jul 2, 2026), opened 2026-10-09.
- VA.gov, VA funding fee and loan closing costs, opened 2026-10-09.
- Freddie Mac Primary Mortgage Market Survey, opened 2026-10-09.
- Google Maps directions, route 3, depart Mon Oct 12 2026 7:00 AM PT, opened 2026-10-09.
- Navy Region Southwest, Naval Base San Diego gate hours (official CNIC page), opened 2026-10-09.