What is your Base Housing Cost for 2022 (Tax + Insurance + HOA) w/o mortgage?

[bloom2708]

Built in 1997, 2400 sq ft house

Property tax $4,900 ($408/month)

Insurance $1,472 ($122/month)

No HOA

$530 base per month.

 

[gamboolman]

~3,000 sq. ft home on 1 acre in Spring, Tx - Harris County (Houston)

Last year 2021:

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[Born2Fish]

Monthly cost is $480 for Homeowners, Wind & Hail, Property Tax.

I have a mortgage. 2.25% fixed. I'm lovin' it!

2120 SqFt, 0.67 acre lot. NC, near the coast.

My appraised property value has increased but the county has not raised the PT yet.

 

[Magus]

4300 sq ft house w/ pool in south Charlotte, NC, 0.5 acres

Property tax - ~$5,500
Insurance ~1,500
HOA - ~$500

(all fairly similar to 2021)

 

[karen1972]

2100 Sq Townhome on a tiny patch of land.

Last year 2021:
Property Tax 2021 = $3215
Home Insurance = $801
HOA = $2112
TOTAL = $6128 or $510/month

Mine for 2022:
Property Tax 2022 = $3958
Home Insurance = $664
HOA = $2112
TOTAL = $6734 or $561/month

Note: Property tax was was way underestimated the first 3 years of new construction so i'm not surprised they finally figured out they were undervaluing our home, I had expected $4200, so $3958 seems like a deal.

Switched carriers so insurance is cheaper.

HOA stayed the same,

We have a fixed rate mortgage, but we did refinance middle of last year so we saved a bunch from last year.

 

[Luvdogs]

2800 square ft house on one acre, no mortgage

2022

HOA 2724
Insurance 4239
Taxes 3942

Total 10,905


2021

HOA 2604
Insurance 3223
Taxes 3911

Total 9738

 

[Dtail]

No mortgage
Taxes/CDD 6,600
Insurance 1,511
HOA 1,980

Total 10,091

 

[Dash man]

HOA $550/yr
HO Insurance $2,614/yr
Real Estate Taxes $8,555/year

This is for a 4,400 sq ft home on 1/3 acre in SE Pennsylvania.

 

[Doribe]

Real Estate Tax $13,659
Insurance $ 1,670
HOA $ 0

monthly $1,277

 

[Luvtoride]

Real Estate Tax $13,659
Insurance $ 1,670
HOA $ 0

monthly $1,277

Where are you? NJ like me?

 

[Luvtoride]

My home in a Northern suburb of Atlanta is only taxed $895 per year but in actuality the tax assessment is only $632 as the remainder is for trash collection somewhat recently added to our tax bill and a couple of other small fees. Taxes are low mainly due to the exemption for seniors 65 and older which removed all school taxes and school bond costs from our bill. Clearly it is the major portion of the bill as otherwise my tax bill would be over $3,000. This is a county tax exemption which very few Georgia counties offer. The state further provides other exemptions for seniors over 62 on other R.E. Tax line items but schools are the big hitter.

Home value per Zillow is $432K which is in line with a couple of home sales this past year across the street from my home. Shocking to me.

Georgia further exempts $65K of retirement income for seniors over 65 so I have no state taxes until RMDs kick in a few years from now. Many freebees for veterans as well leaving lots of budget for travel.

Wow 5Miler I think you just gave away one of the best retirement friendly areas in the US. That’s amazing! Now if I could just get my kids, grandkids and friends to move with me I’d be your neighbor!!

 

[Mr. Tightwad]

Taxes 4000 annual
Insurance 750
No mortgage
No HOA
Electric bill 5.53 this month
Natural gas 18.13 this month

 

[ExFlyBoy5]

Wow 5Miler I think you just gave away one of the best retirement friendly areas in the US. That’s amazing! Now if I could just get my kids, grandkids and friends to move with me I’d be your neighbor!!

Unfortunately way too many people moving there recently. That was a big motivator for us leaving for "flyover country."

 

[Doribe]

Where are you? NJ like me?

I'm in a suburb of Chicago, Illinois

House is about 2200 sq. ft. on a tiny city lot.

 

[Sue J]

No zeros forgotten. Northeast Ohio.

I'm also in Northeast Ohio. I want your tax rate!

1654 sq ft home
Property tax $3600/yr
HO insurance $981/yr
No mortgage
No HOA

Total $382/mo

We had the Ohio Homestead reduction of about $45/mo for a year and then lost it because we MADE TOO MUCH MONEY! The limit is only $34,600/yr.

 

[freedomatlast]

5636 sq. ft.
Real Estate Tax $12,800
Insurance $820
HOA $490

Monthly $1,176

 

[livingalmostlarge]

2050 sq ft SFH on ~.2 acres

2022 PT - $11,460 (supposedly my assessed value went up 40% for 2023 so...)
Insurance $1100

 

[Piper20]

SE Pa
2400 Sq ft
Property Taxes $8415/yr
Insurance $1245/yr
HOA $0
No Mortgage

Total 805/month

 

[SheitlQueen]

My house is on 7.5 acres.
Taxes $2300
Insurance $550

Total $2850 a year or $237.5 a month

 

[thatguy]

2022
About 2600 sq ft house 2 car attached and 2 car detached garage on 1.33 acre. NW Indiana
RE Tax $2642 year
Insurance $1348 year
So if we paid it monthly, $332/mth

Plus
Mortgage $460 Recently refi at 2.74% Home equity loan
Electric & gas utility over the last year average maybe $270/m
About $144 for trash pickup

 

[Dhickman57]

1610 sq ft home

Property tax $1025 annual
Insurance. $ 610 annual
No HOA

Total $1,635 annual

I am not moving based upon what I have seen for others expenses.

 

[Luvtoride]

2022
About 2600 sq ft house 2 car attached and 2 car detached garage on 1.33 acre. NW Indiana
RE Tax $2642 year
Insurance $1348 year
So if we paid it monthly, $332/mth

Plus
Mortgage $460 Recently refi at 2.74% Home equity loan
Electric & gas utility over the last year average maybe $270/m
About $144 for trash pickup

Oh, there you go…your RE tax doesn’t include trash pickup…I don’t feel quite as bad about my $13k plus RE taxes now as it includes trash pick up [emoji1787]

 

[Toocold]

There seems to be a theme here. No mortgage.

Ours for a 2600 sq ft home is $2k for insurance, 4.5k for taxes and $200 HOA or about $560 / month.

 

[FiveDriver]

We live in the suburbs of Charleston SC. There's an unobstructed view of the 3rd green in the rear yard, and a 3 acre Pond in front of the house.

2480 sq ft home
Property tax approx. $2200/yr
HO insurance approx. $1300/yr
HOA is $350/year
Gas & Electric $160 per month on Budget Plan
No Mortgage

Total $500/month All In Housing Cost (includes monthly addition to Repair Fund)

 

[FANOFJESUS]

1610 sq ft home

Property tax $1025 annual
Insurance. $ 610 annual
No HOA

Total $1,635 annual

I am not moving based upon what I have seen for others expenses.

That is a good deal. What state are you in?