I remember how strongly my family believed in the Jarvis–Gann Initiative. Back then, uncertainty around property taxes made homeownership unpredictable. Prop 13 brought stability for many long-time California homeowners, including families here in the Modesto area.
For long-time owners, predictable taxes can support staying in place for decades. For buyers and sellers, reassessment at sale is a key factor in monthly payments. These realities affect supply, demand, and affordability in the California Central Valley.
Because Prop 13 limits how fast property-tax revenue can grow, many communities rely on other tools to fund services and infrastructure. One common mechanism is the Mello-Roos special tax, used primarily in newer developments.
Mello-Roos districts allow new communities to fund infrastructure and services—such as roads, water and sewer, parks, schools, and public safety—without relying entirely on the city’s general fund.
Prop 13 remains central to how California homes are owned, sold, and taxed. If you’re considering a move in Modesto, Ripon, Oakdale, Turlock, or anywhere in the Central Valley, I’m happy to walk through how Prop 13 and local taxes may affect your decision.
Have questions? Contact Forrest Heath · Related reading: Mello-Roos explained