Mission San Jose, Fremont vs Baywood, San Mateo
Mission San Jose, Fremont carries an effective property tax rate of 1.15% of assessed value and Baywood, San Mateo carries 1.11%, both for fiscal year 2025-26. On one identical reference loan the monthly carrying costs are $9,817 and $9,764 — $53 apart, with Baywood, San Mateo lower. To Sunnyvale / Mountain View at AM peak the fastest published commutes are 35 min by car from Mission San Jose, Fremont and 30 min by Caltrain from Baywood, San Mateo. Every figure is an objective public metric or arithmetic on one, and names its source.
Mission San Jose, Fremont (Alameda County) · Baywood, San Mateo (San Mateo County)
| Metric | Mission San Jose, Fremont | Baywood, San Mateo | Difference |
|---|---|---|---|
| Median $/sqft (SFR) | $1,050 | $1,400 | −$350 |
| Effective tax rate | 1.15% | 1.11% | +0.040% |
| Monthly cost, reference loan | $9,817 | $9,764 | +$53 |
| FiDi SF (Montgomery St BART) — BART | 65 min | 48 min | +17 min |
| FiDi SF (Montgomery St BART) — Drive | 65 min | 45 min | +20 min |
| Oakland City Center (12th St BART) — BART | 45 min | 62 min | −17 min |
| Oakland City Center (12th St BART) — Drive | 45 min | 45 min | 0 min |
| Sunnyvale / Mountain View (Sunnyvale Caltrain) — Drive | 35 min | 30 min | +5 min |
Difference is Mission San Jose, Fremont minus Baywood, San Mateo. Sources are cited on each submarket page.
Put the two side by side and the gap is square footage, not tax: $1,050 per foot in Fremont (Mission San Jose) against $1,400 in San Mateo (Baywood). On the same $1,600,000 purchase the monthly separation is only $53, because Fremont (Mission San Jose) bills 1.15% and San Mateo (Baywood) 1.11%.
The house at each price
Mission San Jose prices location over finish, and the $1.4M inventory shows it. A 1,600 sq ft townhome is the other $1.4M option near Baywood. The median foot costs $1,050 in Fremont (Mission San Jose) against $1,400 in San Mateo (Baywood); on a 2,000 sq ft house that is $700,000 of purchase price.
The monthly, matched
Against an identical $1,600,000 note at 6.5% with 20% down and $2,400 a year of coverage, Fremont (Mission San Jose) totals $9,817 a month at 1.15% and San Mateo (Baywood) $9,764 at 1.11% — tax lines of $1,527 and $1,473. Mission San Jose's fixed levies are the lightest among the high-price submarkets here. San Mateo-Foster City and San Mateo Union High parcel taxes run roughly $300-$400 combined in Baywood.
Commute, measured
To FiDi SF (Montgomery St BART): 65 minutes by BART from Fremont (Mission San Jose), 45 by Caltrain from San Mateo (Baywood) — a 20-minute edge to San Mateo (Baywood), or 3.3 hours across a ten-trip week. The Dumbarton Bridge puts Menlo Park 20 minutes from Mission San Jose at 6 a.m. and 50 at 8. Door to door from Baywood to FiDi is 55-65 minutes.
Fire, flood and the premium
Slope stability on the Mission San Jose hill lots is an inspection item. Baywood is not WUI. Run the address through CAL FIRE's severity-zone viewer, the FEMA Flood Map Service Center and the CGS seismic hazard maps, and treat the premium quote as a contingency item.
Choosing between them
Mission San Jose fits a detached-home requirement with South Bay employers in reach. Baywood works for a buyer who will take a renovation file to keep the walk to the station.
Sources. Rate and payment figures: Alameda County Tax Rates by TRA FY 2025-26; San Mateo County Tax Rate Book FY 2025-26, as composited in build/assets/metrics.json — unverified at tax-rate-area level, so read the bill. Minutes shown are AM-peak and door to door, from data/commute/static.csv. Median price per foot is a trailing figure, not a valuation, and the local detail comes from the broker's own transactions.
Compare any two submarkets
| Metric | Mission San Jose, Fremont | Baywood, San Mateo |
|---|---|---|
| Median $/sqft (SFR) | $1,050 | $1,400 |
| Effective tax rate | 1.15% | 1.11% |
| Monthly cost, reference loan | $9,817 | $9,764 |
| Fastest to FiDi SF (Montgomery St BART) | 65 min | 45 min |
| Fastest to Oakland City Center (12th St BART) | 45 min | 45 min |
| Fastest to Sunnyvale / Mountain View (Sunnyvale Caltrain) | 35 min | 30 min |
Same reference loan on both sides; the tax line is the only variable. Commute figures are door-to-door AM-peak estimates. Sources are listed on each submarket page.
Mission San Jose, Fremont detail
| Component | Rate of assessed value |
|---|---|
| Prop 13 general levy | 1.000% |
| County / city voter-approved bonds | 0.042% |
| School district measures | 0.103% |
| Effective rate | 1.15% |
| Mello-Roos / CFD | None recorded |
Source: Alameda County Tax Rates by TRA FY 2025-26 (Alameda County), composited in
build/assets/metrics.json.
Tax Rate Area not yet verified parcel-by-parcel — confirm the rate on the parcel’s own tax bill.
Baywood, San Mateo detail
| Component | Rate of assessed value |
|---|---|
| Prop 13 general levy | 1.000% |
| County / city voter-approved bonds | 0.010% |
| School district measures | 0.095% |
| Effective rate | 1.10% |
| Mello-Roos / CFD | None recorded |
Source: San Mateo County Tax Rate Book FY 2025-26 (San Mateo County), composited in
build/assets/metrics.json.
Tax Rate Area not yet verified parcel-by-parcel — confirm the rate on the parcel’s own tax bill.
Mission San Jose, Fremont vs Baywood, San Mateo: questions and answers
- Which has the lower effective property tax rate, Mission San Jose, Fremont or Baywood, San Mateo?
- Baywood, San Mateo, at 1.11% of assessed value against 1.15% for fiscal year 2025-26 — a gap of 0.040%. Rates are composited from county tax rate books; each parcel bill governs.
- How much do monthly carrying costs differ between Mission San Jose, Fremont and Baywood, San Mateo?
- $53 per month on the identical reference loan: Mission San Jose, Fremont $9,817, Baywood, San Mateo $9,764. Baywood, San Mateo is lower. Principal and interest are held constant, so the difference is the tax line. Arithmetic only.
- Which has the shorter commute to Sunnyvale / Mountain View, Mission San Jose, Fremont or Baywood, San Mateo?
- Baywood, San Mateo. Mission San Jose, Fremont is 35 min by car; Baywood, San Mateo is 30 min by Caltrain. Door-to-door, AM peak. Source: data/commute/static.csv.
- What is the price per square foot difference between Mission San Jose, Fremont and Baywood, San Mateo?
- $350 per square foot: Mission San Jose, Fremont $1,050, Baywood, San Mateo $1,400. Single-family medians, trailing twelve months. A median is not a valuation of any specific property.