Mission San Jose, Fremont vs Gale Ranch, San Ramon
Mission San Jose, Fremont carries an effective property tax rate of 1.15% of assessed value and Gale Ranch, San Ramon carries 1.35%, both for fiscal year 2025-26. On one identical reference loan the monthly carrying costs are $9,817 and $10,086 — $269 apart, with Mission San Jose, Fremont lower. To Sunnyvale / Mountain View at AM peak the fastest published commutes are 35 min by car from Mission San Jose, Fremont and 50 min by car from Gale Ranch, San Ramon. Every figure is an objective public metric or arithmetic on one, and names its source.
Mission San Jose, Fremont (Alameda County) · Gale Ranch, San Ramon (Contra Costa County)
| Metric | Mission San Jose, Fremont | Gale Ranch, San Ramon | Difference |
|---|---|---|---|
| Median $/sqft (SFR) | $1,050 | $700 | +$350 |
| Effective tax rate | 1.15% | 1.35% | −0.202% |
| Monthly cost, reference loan | $9,817 | $10,086 | −$269 |
| FiDi SF (Montgomery St BART) — BART | 65 min | 65 min | 0 min |
| FiDi SF (Montgomery St BART) — Drive | 65 min | 70 min | −5 min |
| Oakland City Center (12th St BART) — BART | 45 min | 45 min | 0 min |
| Oakland City Center (12th St BART) — Drive | 45 min | 45 min | 0 min |
| Sunnyvale / Mountain View (Sunnyvale Caltrain) — Drive | 35 min | 50 min | −15 min |
Difference is Mission San Jose, Fremont minus Gale Ranch, San Ramon. Sources are cited on each submarket page.
Fremont (Mission San Jose) carries $350 more per square foot than San Ramon (Gale Ranch) — 50% — and that single spread decides most searches that start with both names on the list. The tax rates land 1.15% in Fremont (Mission San Jose) against 1.35% in San Ramon (Gale Ranch), a 0.20% spread that has to be carried on top of the price difference.
What the same money buys
Mission San Jose comps run $1,000-$1,100 per square foot, well above the rest of Fremont. The 1970s-80s San Ramon core west of I-680 gets the same square footage at $1.1M-$1.3M without the CFD. At $1,050 and $700 per foot respectively, a fixed budget buys about 50% more floor area in San Ramon (Gale Ranch).
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 Ramon (Gale Ranch) $10,086 at 1.35% — tax lines of $1,527 and $1,796. Mission San Jose's fixed levies are the lightest among the high-price submarkets here. Gale Ranch and Windemere carry Community Facilities District assessments of $2,000-$5,000 a year.
The trip each morning
To Sunnyvale / Mountain View (Sunnyvale Caltrain): 35 minutes by driving from Fremont (Mission San Jose), 50 by driving from San Ramon (Gale Ranch) — a 15-minute edge to Fremont (Mission San Jose), or 2.5 hours across a ten-trip week. Warm Springs/South Fremont BART is 10-12 minutes from Mission San Jose, then 55 minutes to Embarcadero. I-680 to 24 puts Gale Ranch 55 minutes from the Bay Bridge at 6 a.m., 95-110 at 8.
Fire, flood and the premium
A few Mission San Jose hill non-renewals appeared in 2025-26; the flats are still being written. The developed San Ramon valley floor is not WUI. Verify any parcel against the CAL FIRE Fire Hazard Severity Zone map, the FEMA Flood Map Service Center and the California Geological Survey seismic hazard zones before removing contingencies.
Which search this actually is
Mission San Jose assumes the buyer will pay for location rather than finish. Gale Ranch suits a buyer whose commute ends inside the Tri-Valley.
Sources. Tax figures come from Alameda County Tax Rates by TRA FY 2025-26; Contra Costa TRA Book FY 2025-26; City of San Ramon CFD annual special tax reports, composited in build/assets/metrics.json. They are county-level and not yet verified at the TRA, so the parcel's bill governs. Travel times are AM-peak door-to-door estimates 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 | Gale Ranch, San Ramon |
|---|---|---|
| Median $/sqft (SFR) | $1,050 | $700 |
| Effective tax rate | 1.15% | 1.35% |
| Monthly cost, reference loan | $9,817 | $10,086 |
| Fastest to FiDi SF (Montgomery St BART) | 65 min | 65 min |
| Fastest to Oakland City Center (12th St BART) | 45 min | 45 min |
| Fastest to Sunnyvale / Mountain View (Sunnyvale Caltrain) | 35 min | 50 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.
Gale Ranch, San Ramon detail
| Component | Rate of assessed value |
|---|---|
| Prop 13 general levy | 1.000% |
| County / city voter-approved bonds | 0.012% |
| School district measures | 0.055% |
| Mello-Roos / CFD assessment | 0.280% |
| Effective rate | 1.35% |
| Mello-Roos / CFD | Yes |
Source: Contra Costa TRA Book FY 2025-26; City of San Ramon CFD annual special tax reports (Contra Costa 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 Gale Ranch, San Ramon: questions and answers
- Which has the lower effective property tax rate, Mission San Jose, Fremont or Gale Ranch, San Ramon?
- Mission San Jose, Fremont, at 1.15% of assessed value against 1.35% for fiscal year 2025-26 — a gap of 0.200%. 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 Gale Ranch, San Ramon?
- $269 per month on the identical reference loan: Mission San Jose, Fremont $9,817, Gale Ranch, San Ramon $10,086. Mission San Jose, Fremont 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 Gale Ranch, San Ramon?
- Mission San Jose, Fremont. Mission San Jose, Fremont is 35 min by car; Gale Ranch, San Ramon is 50 min by car. Door-to-door, AM peak. Source: data/commute/static.csv.
- What is the price per square foot difference between Mission San Jose, Fremont and Gale Ranch, San Ramon?
- $350 per square foot: Mission San Jose, Fremont $1,050, Gale Ranch, San Ramon $700. Single-family medians, trailing twelve months. A median is not a valuation of any specific property.