this post was submitted on 04 Dec 2023
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Let’s say that you buy a home in cash and have 100% paid off. Could you still lose it somehow?

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[–] [email protected] 2 points 11 months ago (3 children)

How much is the property tax?

[–] calypsopub 5 points 11 months ago (3 children)

This is Texas which has no income tax, so they have high property tax. It's about 1% per annum based on the appraised value of the property. Plus if it's a newer neighborhood, you pay an extra amount for the cost of infrastructure until it's paid off, usually called a MUD (municipal utility district) tax. Mine is an extra 1.2% so I'm paying roughly $1200/month in property taxes for my residence.

[–] Mr_Blott 5 points 11 months ago (2 children)

Christ on a bike, do they at least lube the dildo they fuck you with?!? 😳

[–] galloog1 1 points 11 months ago

Americans ultimately do pay a lot of taxes in the end. It does towards all sorts of stuff at multiple levels but the greatest impact on individual lives is at the state level.

[–] [email protected] 1 points 11 months ago (1 children)

Brother my entire mortgage is 834/mo including escrow and I bought in a city in 2020

Remind me to never move to texas

[–] calypsopub 1 points 11 months ago

I like to say that in Texas, you never actually own your home.

[–] [email protected] 1 points 11 months ago (1 children)

1% is a pretty normal amount for an urban area, but it's usually a combination of county and city. If the state of Texas has a 1% tax on top of county and city taxes, that'd be pretty high.

[–] calypsopub 1 points 11 months ago

No, that's county, city, and school district

[–] [email protected] 3 points 11 months ago

Depends on where you live. Here in Washington state we don't have an income tax, so our property taxes are one of the few ways the government has to collect taxes. For that reason our property taxes are much higher than states that have multiple ways to collect.

[–] brianorca 3 points 11 months ago

The property tax is based on the assessed value of the property. (Which can change over time, even if you bought it years ago.) And the tax ranges from 0.28% in Hawaii up to 2.49% in New Jersey. Most states are around 1%. There may also be local taxes from a county or city, which is typically a small fraction of the above.