Que Es Property Taxes?
Los impuestos sobre la propiedad son impuestos anuales que cobra tu gobierno local basados en el valor tasado de tu casa. En California, la tasa base es aproximadamente el 1% del precio de compra (Proposición 13), más evaluaciones locales. Estos impuestos financian escuelas, carreteras, bomberos y otros servicios públicos.
Datos Clave
- In Monterey County, effective tax rates are typically around 1.25% of purchase price.
- Property taxes are usually collected through your escrow account as part of your monthly payment.
- Under California's Prop 13, your assessed value can only increase by up to 2% per year.
- Supplemental taxes are separate and apply when you first buy the home.
Ejemplo Practico
You buy a home for $650,000 in Salinas with an effective tax rate of 1.15%. Your annual property tax is about $7,475, or roughly $623 per month added to your mortgage payment.
Por Que Importa
Property taxes are a significant part of your monthly housing cost and they're not optional. When budgeting for a home, always factor in taxes — they can add $500 to $1,000+ per month depending on the home's value and location.