Cost & Finance
Mello-Roos (CFD)
Also: CFD · Community Facilities District
Mello-Roos is a special property tax levied within a Community Facilities District (CFD) to fund local infrastructure like schools and roads. It is common in newer Sacramento-region master-planned tracts — Folsom Ranch, parts of Elk Grove, Roseville, and Lincoln — and pushes the effective property-tax rate above the standard ~1–1.25%.
Mello-Roos matters for ADU ROI because it raises the annual holding cost on the added value. Older, established neighborhoods generally have no CFD overlay.
Go deeper:Does an ADU increase property tax?
Related terms
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