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Old 11-03-2008, 06:47 AM   #61
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I my part of TX, property taxes for an average home about equal what I pay for rent. Think I'll stay put.
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Old 11-03-2008, 06:55 AM   #62
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Join Date: Jun 2006
Location: Central, Ohio, USA
Posts: 2,598
3600 SF Condo
Condo Fee: $300 Monthly (effective 1/1/09; high but reserve fund is the reason)
Electric: $54 Per month (Level Pay Plan - usually results in a month of "no charge")
Gas: $73 Per Month (Level Pay Plan - just raised but will be a couple of "no charge")
Water: In Condo Fee
Trash: In Condo/RE Taxes
Contents Insurance: $14 Per Month (Condo Fee covers outside insurance)
Cable TV/Phone/HS Cable Internet: $95 Per month
RE Taxes: $600 a month (this is the bummer)
Total Monthly: $1,150 (Plus of Minus)
No Mortgage.
Market Value: $345K
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Old 11-03-2008, 07:12 AM   #63
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Location: Punta Gorda, FL
Posts: 664
3000 sq. ft house on two acres. I'm about 30 miles outside St. Louis.

240 taxes
155 insurance
175 cable, internet, phone
20 trash pickup
50 sewer/water
200 electic.
200 yard, maint., misc.

so a total of $1040 a month for a mortgage free home that I paid around $250,000 for in 2001.
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Old 11-03-2008, 07:36 AM   #64
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Posts: 1,281
3450 sq ft on 3 acres with pool in the city
we have approx 2/3 equity

P&I - 1000
T&I - 600 (texas prop taxes - I don't pay state income tax)
Electric/Gas - Avg 400
Water/Sewer/Trash - Avg $70
Yard Maint - Avg $50
Cable Internet/TV/DVR - $120
Hard line phone $27
2 Cell phones $70

Total approx $2349 month
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$498
Old 11-03-2008, 09:00 AM   #65
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$498

Monthly Average: $498

Housing.jpg
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Old 11-03-2008, 09:04 AM   #66
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Location: Texas Hill Country
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Quote:
Originally Posted by TromboneAl View Post
Monthly Average: $498
I don't see anything here for mold abatement and wood hardening...
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Old 11-03-2008, 10:00 AM   #67
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Posts: 127
Central Florida
1300 SF
$437 mo
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Old 11-03-2008, 10:25 AM   #68
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Posts: 2,032
Chicago area

2500sq ft on 3/10 acre with two car garage

$2,401 P&I
$725 Taxes
$74 Insurance
$21 Garbage
$95 Electric
$100 Nat Gas

$3416 Total
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Old 11-03-2008, 11:34 AM   #69
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Quote:
Originally Posted by REWahoo View Post
I don't see anything here for mold abatement and wood hardening...
Medical is not included in this.
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Old 11-03-2008, 12:27 PM   #70
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Rent (ALL included - elec, H2O, cable, wireless, local land line), 2 parking spaces, 1400+ SF, 2BR/2BA= $1865/mo.....totally reimbursed by the US Taxpayers with per diem. Thank you. This will last until Aug '09. I'd rather be paying rent at home!
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Old 11-03-2008, 01:56 PM   #71
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Ug....mine is painful to write. 4400 square feet, brick, 3bath, 4 bedroom.

P/I $3786
Insurance 283
Property Tax 778/mo (Texas)
Electric 359
Water/Sewer/garbage 215 (big yard, lotsa water)
Yard 210 (big yard)
Cable/phone/cellphone/internet 150


TOTAL $5781/month

Anybody want to buy it? LOL

Not retired yet..........can't sell my business
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Old 11-03-2008, 02:03 PM   #72
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Quote:
Originally Posted by cardude View Post
Ug....mine is painful to write. 4400 square feet, brick, 3bath, 4 bedroom.

P/I $3786
Insurance 283
Property Tax 778/mo (Texas)
Electric 359
Water/Sewer/garbage 215 (big yard, lotsa water)
Yard 210 (big yard)
Cable/phone/cellphone/internet 150


TOTAL $5781/month

Anybody want to buy it? LOL

Not retired yet..........can't sell my business
I'm sure the amalgamation of GM/Chrysler will have a buyout plan for you........
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Old 11-03-2008, 02:12 PM   #73
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$378 a month for a 1925 sq ft house in the southeastern united states, in a major metropolitan area. Does not include $1078 a month on a 10 year mortgage (8 years left).

property tax 118
Gas/Electric 150
water/sewer/trash 39
insurance 38
phone 20
cable 13
TOTAL 378

Property tax, gas and electric, insurance and phone have all dropped in price since last year.
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Old 11-03-2008, 02:24 PM   #74
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Posts: 2,250
Northern CA - South Bay

Rent 1600 (1200 sqft)
Gas/Electric 80
water/sewer/trash 65
phone 80
cable 86

Total 1911
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Old 11-03-2008, 03:00 PM   #75
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Join Date: Nov 2007
Location: Central Oklahoma
Posts: 64
Central Oklahoma

2400 sq. ft. brick house, horse barn, 20 acres
(sep. parcel from the ranch)


Taxes 60.
Electric 45.
Garbage 14.
Water 20.
Propane 50.
Phone 24.
Internet 16.
Ins. 65.
Cell phone 70.

Grand total: $ 364.00 Yikes, my spending is getting out of control!!

sorry about the uneven columns
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Old 11-03-2008, 03:19 PM   #76
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Location: ST LOUIS
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Quote:
Originally Posted by cardude View Post
Ug....mine is painful to write. 4400 square feet, brick, 3bath, 4 bedroom.

P/I $3786
Insurance 283
Property Tax 778/mo (Texas)
Electric 359
Water/Sewer/garbage 215 (big yard, lotsa water)
Yard 210 (big yard)
Cable/phone/cellphone/internet 150


TOTAL $5781/month

Anybody want to buy it? LOL

Not retired yet..........can't sell my business
That's funny cardude we are living for what you spend on your yard. The yard and water for it are coming up to about 425 a little more than we are running the entire house on. But to each his own I just get a laugh out of it.
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Old 11-03-2008, 04:09 PM   #77
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1300 Sq Ft Condo (High Rise)

2580 Interest
470 Taxes
600 HOA
23 Insurance
80 Electric
25 Gas
200 Cable/Phone/Internet

3978 Total

4200 Sq Ft House (3 acres)

441 P/I
120 Insurance
241 Taxes
101 Electric
4 Water
65 Yard Maintenace

972 Total
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Old 11-03-2008, 04:20 PM   #78
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Posts: 4,359
Yeah housing doesn't cost much at all. In fact it costs next to nuthin'.

between that and a sack of beans and a sack of rice I keep my livin' costs really low.

Stop workin' and start livin'.

The good life awaits you.
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File Type: jpg Inexpensive_housing.jpg (36.0 KB, 2 views)
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Old 11-03-2008, 05:08 PM   #79
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Join Date: May 2008
Posts: 3,864
East Mesa, AZ, 2862 ft2, built in 2001, Purchase Price $269K

1. Mortgage $0
2. Property Tax $150 (not a typo!)
3. Insurance $60
4. HOA $40
5. H20/Gas/Sewer $90
6. Power $165
7. Cable $69
8. Landline Phone $35
9. Pool maintenance $25

Total $634 (+ 10%)

House valued at ~475-$495K (Down from $575K in 2006)

Vacation home Home in Northern AZ Mogollon Rim Country 1700ft2, Built in 2000, Purchase Price $146K

1. Mortgage $0
2. Property Tax $100
3. Insurance $60
4. HOA $50
5. H20/Gas/Sewer $30
6. Power $90
7. Cable $25
8. Landline Phone $30


Total $385 (+ 10%)

2nd House valued at ~300-$325K

Life is good without a mortgage.
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Old 11-03-2008, 05:59 PM   #80
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Location: Central Coast, California
Posts: 891
Quote:
Originally Posted by Frugality_of_Apathy View Post
They must have one killer clubhouse to charge more than a third of your mortgage.
No clubhouse. To be fair, the HOA fees of $415 cover:
Landscape maintenance (we've got quite a lot, but no lawn)
Hot water
Water
Sewer
Trash & recycling & greenwaste pickup
Earthquake & Fire insurance on the structure
Pool (large, clean, lovely, heated) maintenance & equipment
Outdoor lighting
Maintenance.
Taxes, management, etc.

Also, to be fair, when we bought the place 6 years ago the HOA dues were $280/mo and our mortgage (recently refinanced) was $1930/mo. So the ratio was much better.

The dues increase over the past six years has been nearly entirely due to cost increases for roofers and insurance. Our earthquake insurance more than doubled last year, despite the fact that nothing structural about our buildings has changed. We've also been aggressively saving (as an HOA) to fully fund our reserves. Once that's done it's everyone's hope that we can hold steady or decrease dues. Since I'm on the board, I'm going to see if I can help make that happen.
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