This is an estimate for planning, from Zillow's ZIP-wide typical values applied to your purchase price. It is not an appraisal, a broker price opinion, an offer, a loan offer, or tax or legal advice, and Rudy is a real estate agent, not a lender, appraiser or tax professional.
How the estimate works
- Zillow's typical value for homes like yours in your ZIP code is looked up twice, at your closing month and at the newest month.
- Your price is multiplied by the change between those two months; the condition you pick sets the range around that middle figure.
- For a loan you still pay, the balance follows the regular monthly payment on a fixed-rate loan, starting the month after closing.
- Equity is the middle of the range minus the loan; the net figure also takes off your selling costs, before any income tax.
- The Prop 13 line grows your price by each tax year's State Board of Equalization factor, which tops out at 2%.
Your Prop 13 value and Prop 19
Your property tax follows your taxable value, not your market value. Prop 13 starts that value at your purchase price and lets it rise by no more than 2% a year, which is why long-time EastLake owners often see a wide gap between the two.
Thinking of moving at 55 or older? Under Proposition 19 you may bring that lower taxable value with you to your next primary home in California, as long as you buy it within two years of your sale. It can be used three times, and the county assessor decides who qualifies.
For the numbers around a move, see the downsizing calculator and how Prop 8 reviews and tax appeals work.
Sources and dates
- Zillow Research, Zillow Home Value Index (ZHVI) by ZIP code: all homes, single-family and condo; middle tier, smoothed and seasonally adjusted (data through September 2026, files updated Oct 16, 2026)
- FHFA House Price Index for five-digit ZIP codes (annual, developmental index, not seasonally adjusted; 2000 = 100), used only for purchases before Zillow's series begin. Citation: Bogin, Doerner and Larson, Local House Price Dynamics: New Indices and Stylized Facts, FHFA Working Paper 16-01 (annual, through 2025)
- Freddie Mac Primary Mortgage Market Survey (PMMS): weekly 30-year and 15-year fixed averages; the page uses the mean for your purchase month (monthly means through October 2026; latest weekly 30-year average 7.24% on Oct 29, 2026)
- California State Board of Equalization, Letter To Assessors No. 2026/002: inflation factors for 1976-77 through 2026-27, with Revenue and Taxation Code section 51 and California Constitution article XIII A, section 2(b) (January 13, 2026)
- California State Board of Equalization, Proposition 19 (checked Oct 30, 2026)
- Assumptions, not sourced figures: the condition range (the same rule of thumb as the home value range tool), 6% selling costs, 20% down, regular payments on a fixed-rate loan starting the month after you bought, and the first inflation factor applying on the first January 1 after your purchase
Questions owners ask
How close is this to what my home would sell for?
It is a ZIP-wide index applied to your price, so it cannot see your floor plan, your lot, your view or the remodel you did. Two homes on one EastLake street can sell far apart. For a number you can plan around, Rudy pulls the recent sales closest to your home, free.
Why does it use my ZIP code instead of my street?
Zillow publishes typical values by ZIP code every month going back to 2000, which makes a steady yardstick for the change since your purchase. Street-level value needs real comparable sales, and that is the part Rudy adds.
I refinanced or opened a home equity line. What should I enter?
Choose the second loan option and type today's combined balance from your statements, first loan and equity line together. The estimator then skips the payment math and uses your number.
Is the Prop 13 figure what my home is worth?
No. It is your taxable value: what you paid, raised by the yearly inflation factor of up to 2%. Market value is usually much higher. Your San Diego County tax bill shows the real taxable value, and you can type it in.
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