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05-31-2020, 12:13 PM
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#21
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Confused about dryer sheets
Join Date: Mar 2012
Posts: 6
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Our expenses for housing without utilities are as follows:
Monthly association fees for condo. $225.00
Monthly condo insurance + umbrella liability $ 78.00
Property taxes (exempt due to VA Disability). $ 0.00
No mortgage $ 0.00
Total for month. $303.00
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05-31-2020, 12:22 PM
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#22
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Thinks s/he gets paid by the post
Join Date: Feb 2016
Location: SoCal
Posts: 1,293
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Property taxes of 4000 a year on a million $ home.
Mortgage free since 2008.
Around 600 for insurance.
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05-31-2020, 12:42 PM
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#23
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Mar 2016
Posts: 8,968
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Property Tax - $2200 / yr
Insurance - $700 / yr including $100 earthquake
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05-31-2020, 01:03 PM
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#24
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Thinks s/he gets paid by the post
Join Date: Oct 2010
Posts: 2,472
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Paid cash for our home 15 years ago, property tax and insurance $135.50 a month. What do I win?
__________________
For me experiences are not good or bad, just different
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05-31-2020, 01:35 PM
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#25
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Thinks s/he gets paid by the post
Join Date: Apr 2012
Posts: 2,929
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Property tax: $115/month
Insurance: $55/month
Mortgage free since 2018.
__________________
"Do not spoil what you have by desiring what you have not; remember that what you now have was once among the things you only hoped for." - Epicurus
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05-31-2020, 01:47 PM
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#26
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Apr 2012
Posts: 6,181
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Mortgage just over $600/month (I pay a little extra to round it up), at this rate paid off in 8 years.
Current annual property tax is $4700 (almost $400/month).
Current annual home insurance is $1200 ($100/month).
__________________
FIREd date: June 26, 2018 - "This Happy Feeling, Going Round and Round!" (GQ)
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05-31-2020, 01:56 PM
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#27
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: May 2008
Posts: 6,506
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Bought house for cash 200K +change, about 12 years ago. I don't keep track of operating expenses. Taxes are aound 4K/yr. It is all brick, no outside maintanence required. Had 50yr roof put on about 5 yrs ago. Since early last year I pay a guy to cut grass as needed.
It is a long way from a 3 room house I grew up in, no indoor plumbing, concrete floors, zero insulation, coal cookstove. An underground cellar where my parents lived during the 44/45 war, later for refrigeration, house was partialy blown away by Russian tank rounds.
Given current mayhem, good to live in a tiny town.
__________________
There must be moderation in everything, including moderation.
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05-31-2020, 02:05 PM
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#28
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Thinks s/he gets paid by the post
Join Date: Feb 2014
Location: NW Pennsylvania
Posts: 1,820
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NW Pennsylvania small city living
No mortgage since early retirement
Property Taxes approximately $5000/year ($417/month)
Electric/Gas/Water/Sewer/Trash/Internet/Cell Phone approximately $350/month
Homeowners Insurance $825/year
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05-31-2020, 02:08 PM
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#29
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jan 2008
Location: NC
Posts: 21,305
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Not sure how useful comparing is, there will always be others with (much) higher or lower budgets. But FWIW:
No mortgage
Prop tax $3985/yr
Insurance $1022/yr
HOA $880/yr
You asked us to exclude electric/gas/water and you didn’t ask about lawn care, pest control, security systems, garbage, system/appliance services or routine costs?
Of course the non annual recurring costs like periodic roof replacement, repainting, remodeling, furniture/HVAC/HW/appliance/laundry/window replacements are (way) more than prop taxes/insur/HOA.
__________________
No one agrees with other people's opinions; they merely agree with their own opinions -- expressed by somebody else. Sydney Tremayne
Retired Jun 2011 at age 57
Target AA: 50% equity funds / 45% bonds / 5% cash
Target WR: Approx 1.5% Approx 20% SI (secure income, SS only)
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05-31-2020, 02:09 PM
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#30
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Thinks s/he gets paid by the post
Join Date: Dec 2015
Location: Santa Paula
Posts: 4,077
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We live in a + 55 MHP. Space rent includes utilities is about $850/ month. Taxes are about $250/yr as we transferred DW's assessment to this house. Insurance is about 50/mo.
__________________
Retired Jan 2009 Have not looked back.
AA 60/35/5 considering SS and pensions a SP annuity
WR 2% with 2SS & 2 Pensions
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05-31-2020, 02:19 PM
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#31
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Recycles dryer sheets
Join Date: Jul 2008
Location: .
Posts: 398
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No mortgage
Property taxes, $14,000/year
Insurance, 1,500/year
no HOA
$1,292/mo
I'm in a high tax location so I'm not sure how anyone would compare who lives in a low tax area.
__________________
__________________________________________
"If things go wrong, don't go with them" -Roger Babson
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05-31-2020, 02:30 PM
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#32
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Full time employment: Posting here.
Join Date: Oct 2016
Location: Pinetops
Posts: 521
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No Mortgage! 1500 Sq ft home
Property Tax = $300 month
HOA fees = 201. Month
Ins. =. 33 month
Total $ 534 Month
__________________
I
ER 12/15/2017
Now: Side Hustle(r) Extraordinaire
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05-31-2020, 02:33 PM
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#33
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Thinks s/he gets paid by the post
Join Date: Feb 2011
Location: central California
Posts: 1,135
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California, MCOL area:
Property tax $9,608
Home insurance $1,412
HOA dues $900
So monthly expenses = $993
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05-31-2020, 02:38 PM
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#34
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Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Dec 2008
Location: On a hill in the Pine Barrens
Posts: 9,724
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1) $1,000
2) $90
Monthly costs
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05-31-2020, 02:43 PM
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#35
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Full time employment: Posting here.
Join Date: May 2011
Posts: 873
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Washington State MCL
Mortgage $1,500 per month which includes property tax of $333 per month (can pay off at any time).
Home Insurance $125 per month (includes earthquake).
No HOA
$1625 per month
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05-31-2020, 02:57 PM
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#36
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Thinks s/he gets paid by the post
Join Date: Jun 2004
Location: Diablo Valley (SF Bay Area)
Posts: 2,705
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272 property tax
94 homeowners insurance
196 earthquake insurance
------
562
Net income of 2689 covers that with 1k set aside for travelling.
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05-31-2020, 03:18 PM
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#37
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Administrator
Join Date: Apr 2006
Posts: 23,041
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No mortgage/No HOA
Property tax = $12,260 per year
Homeowners Ins. = $3,069 per year
Umbrella Ins. = $614 per year
Total: $15,943 per year
__________________
Living an analog life in the Digital Age.
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05-31-2020, 06:57 PM
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#38
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Full time employment: Posting here.
Join Date: Feb 2018
Location: An Un-Organized Township of Maine
Posts: 801
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 Quote:
Originally Posted by cyber888
What's your basic housing expenses after retirement (excluding electric, gas. water)?
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We have no mortgage.
Our property taxes run $850/year for our home and 150 acres of dense forest.
We have no home insurance.
There are no HOAs in our town.
Our annual heating costs have been $700/year.
We live in the state with the oldest average age of residents and the highest percentage of retirees.
$129/month.
__________________
Retired at 42 and I have been enjoying retirement for 18 years [so far].
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05-31-2020, 07:10 PM
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#39
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Recycles dryer sheets
Join Date: Sep 2018
Location: Tucson
Posts: 135
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We’ve been living in a big motorhome following the weather for about 20 years now.
Paid off so no mortgages
Average monthly rent including utilities, trash, and internet $10,000 year
Registration $300 year
Insurance $700 year
$916 a month
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05-31-2020, 07:17 PM
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#40
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Thinks s/he gets paid by the post
Join Date: Dec 2018
Location: DuPage County IL
Posts: 2,730
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RE taxes ~ $7K, insurance ~$1600, all utiiities inc elec/gas/water/sewer/cell phones/garbage/comcast triple pkay/netflix/prime video = an avg of $725 p/m. taxes and ins. pd annually. no mortgage, paid that off shortly before retirement. no consumer debt whatsoever. all vehicles paid for. still practicing LBYM.
__________________
Rich
Ham Radio, Sport Pilot, RVer
FIRE: 8/11/2005, age 55y,1d
Dispatcher, then shift supv, then administrator for a regional 9-1-1 call center
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