6 UNEXPECTED Costs of Living in Houston Texas!
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- Опубликовано: 20 янв 2023
- If you are moving to Houston Texas then understading the cost of living in houston texas will be a deciding factor on where you choose to live here in Houston TX.
We have all heard of the high texas property taxes but did you know that you can lower your houston property taxes with 2 different methods?
If you are not currently living in Houston Texas then all of these costs will hit you unexpectedly so in this video we go over all the major factors that make up the cost of living in houston texas.
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Property taxes and car/home insurance is outrageous in Houston and all around it…insane.
😬
Not car insurance.
Pretty solid job. The biggest issue I found is with MUD. There are MUD taxes and MUD bills. These are different, but related things. You should have covered MUD taxes when you were covering taxes up front. (all areas of Houston don't pay MUD taxes so you may not know; I didn't know about wind and hail insurance because I've never lived in those areas over my 40+ years in "Houston") A MUD tax is different than a city (what you called Municipal) tax when you covered taxes. MUD taxes are used to pay off the bonds that were used to build out water and sewer capabilities. MUD taxes can also be used to pay for emergency services, etc. I paid two of these when I lived in Tomball; a few thousand dollars a year for them both. (so not trivial) I live outside of the City of Katy now and I think I pay for one small MUD tax now, a recent addition, due to establishment of emergency services built nearby. You will also get a bill from the MUD where applicable for providing you water and sewer services. The notice of property appraisal comes on a postcard; very easy to think it's junk mail. Contest your appraisal where necessary; especially online. I think they have it automated. Just contest it and the system will very likely offer you a lower appraisal offer. Solar screen are awesome, but don't over do it and do it right. You need them mostly on the west side of the house, followed by the east side. You likely don't need them on the south side and you definitely don't need them on the north side. (the Sun moves towards the north in the summer and moves pretty far south in the winter; but is always hitting the west and east sides) If your windows have imitation muntins, the fake dividers that make one window looks like it's composed of several frames, make sure your solar screens are built to match; otherwise the solar screens look ugly from the outside as you can see the imitation muntins of the windows through the solar screens. To that end, pay attention to the orientation of the house. Try not to buy a house with a lot of windows exposed to the west. I paid careful attention to this when I bought my new house in Katy. My house has a LOT of windows, but they're almost exclusively on the north and south sides of the house. I don't have solar screens as I don't need them. Another option like a few of my neighbors have are roller shades that can drop down and cover the western doors/windows when needed. "powertochoose" is the official website for looking up electric prices. If you can find a good price, lock it in for a few years. I used to do one year contracts, but it wasn't worth the effort of yearly pricing.
see this is why i shoot these videos hahah locals know all this stuff and we have to figure it out! thanks for the comment. and the stuff i covered is a massive help to those moving!
@@LivinginHoustonTX I think you’re right on track and very helpful. People looking to re-locate will really appreciate the value add that you have to offer.
This is helpful. I’m moving to Cypress next month from the NW and I’m currently shopping for an electric plan. I heard to look for a rate that is under $0.10/kWh. However, is that before or after the TDU delivery charge per kWh?
@@derekfoster4527 That is normally a good rule of thumb and it is after the TDU delivery charge. However, electricity rates have shot up in recent years; like energy rates in general. My current rate is $.099/kWh based on 2,000 kWh as I had it locked in for 3 years. I'm pretty sure I had locked it in at $.088/kWh but power providers and TDUs can sometimes get approval (I think from the Public Utility Commission of Texas) to raise rates where necessary. Natural gas is the principle fuel used to create electricity in Texas and those rates have been high, but they're coming back down a bit. Don't expect to get sub $0.10/kWh rates in the near future. Not only have natural gas prices been higher than normal, but the TDU charges have been increasing as well.
@@kevingray8616 thanks for the info. I found a plan for $0.09/kWh at 1000 kWh but the TDU rate is 4.9 cents/kWh. It’s a 2-yr contract and it’s the lowest I have found so far, but I’m not sure if this is a good deal at this point. I just don’t know what to expect when summer rolls around.
Omg thank you so so much for these videos. More lesson -like vids please
Ok more to come!!!
Thanks very informative video and learned about some cost I didnt even think about. Likely moving to Houston late this summer and if so will for sure be in touch with your team!
ya thanks so much! I love giving a real perspective of what it is like moving to houston!
Love the setup, will be coping this soon!
Working amazing!!
Your videos are so helpful! We are about to move from Hawaii to Houston! Keep up the great content.
Thanks so much! Ya it is so hard to learn all of this stuff here in texas and I love giving a real perspective of things to expect when moving here that the locals wont talk about! let us know how we can help when you are ready! email us at houston@realagentnow.com
Very, very helpful
thank you so much!
Thanks for the info man. It’s very helpful. Do you have the website where you can check the property taxes rate for a particular house?
Great info. The only thing I would add regarding the property tax rate...those of us outside of Houston in Fort Bend County... Richmond, Sugar Land, etc whose homes don't receive city water have addtl taxes for MUD and LID.
Good Job 👍👍
thanks so much! were there any surprise costs you didnt know about?
Yes, wind Insurance, 25k discount in you first home, save money in internet and eletricity … OMG.. you GREAT 👏👏👏👏👏👏
Recently widowed and looking to relocate closer to oldest daughter who rents an apartment in Houston TX. In current home in Rochester over 20 years our property taxes are $5,000 per year…
Do you have a link to those sun shades you installed in the house?
AT&T fiber coming soon
I live in cypress, they were installing it throughout the neighborhood in Dec
Oh that’s good. Gotta have fiber!
Like to hear topics about retirement in Houston.
Do you have link for those sunshades on the house? They look like they would be a necessity!
I am visiting Houston next week I would love to meet you. Thinking of moving to Katy
reach out to us so we can help you plan where to look for homes better! email us at houston@realagentnow.com
Looking to relocate to Houston from Michigan. Gas here is $3.09 and our taxes is calculated completely different.
I recently relocated from Michigan, and I can honestly say the property expenses are MUCH higher. Inflated home prices, unrealistic property taxes, long commutes...
But a least the food is good! # The Houston 15 (lbs)
Living in Huntsville Alabama my property taxes on a 375,000 2 story 2900 sq ft. full brick home home r 978.00 a year. I bought the house new in 2001. I live on a golf course on the 4th tee.
The family and I are considering a move to Katy for a business opportunity. Appreciate the insigh as to expected costs. Coming from Canada, it's a totally different setup with regards to energy bills and tax rates. I'll be in touch when we're ready to make our move.
I know it caught me off guard BIG TIME! ok sounds great we cant wait to hear from ya!
How was the health care in texas coming from canada
What are your thoughts on woodlands hills? For someone that works remotely.
Energy Ogre has a "Revoked" status on the Better Business Bureau and 2 out of 5 stars on Yelp.
How does the homestead exception calculated? Can you file for the Harris county exemption, AND the school district AND MUD or you pick one?
What up, brother! Question: Do you have a lender that works with TVLB loans inside or outside a VA loan? We are looking to relocate from SW Austin to the N/ NE Houston area (Kingwood, Conroe, Cypress), but finding a lender that is versed in TVLB is quite difficult. We are exempt from 100% of Property Tax, PMI, Closing and Funding Fees...... Trying to take advantage of those discounts to the best of our availability.
wow that is a great question and let us help find that lender. shoot us an email houston@realagentnow.com and we can do what we can to help!
Do the seniors (over 65 + primary residence ) have to pay for ISD ? Once I hear senior homesteads exemption is $40K, not $25K is that correct ?
I live in California, only pump gas at Costco the price is around $4.25/gal. Honda Pilot SUV around $80 to fill a tank.
@LivingHoustonTexas Thank for the very informative video. Would you mind to share where you got the Sun Shades for your house? Any promo codes ? 😊
I love that people still talk about no income tax as a benefit of living in Texas. Property taxes are absolutely ridiculous. Many unanticipated costs. Think twice or even three times before moving here unless you are doubling or tripling your income.
Sure the food is good but there is good food anywhere. That's not MUD tax it's Horse SHI+ tax....and you will step in it.
Great people (no offense at all) Buc-ees is cool..but horrible costs and traffic, and crime, and drivers.
Moving asap...
gas price in Iowa is $2.64-3.00
Cottonwood Az 2400 sq.ft.1ac. $3700/yr 10 yrs. old.
$7k/yr on a $250 house in Illinois - previous home $15K/yr on a $450 house --- I'l out of Illinois in 18 months
$4.50 gallon for gas up here in WA!
$3,400 annually in Baltimore City
Wait a sec, I live in Fulshear and my tax rate is 3.33
could be a different part of fullshear
What is the average sales tax?
You forgot to mention the fact that part of Katy is in Waller county.
Long Island, NY $3.36 reg
wow thats not as bad as I thought!
I am eligible for a VA loan. And I hear there are other Tax breaks for Veterans and Disabled Veterans.
What's the scoop on that? Is that ONLY for Texas Drivers License?
we will have to go over that with you and see your exact story to help! email us at houston@realagentnow.com
HOA Fee? They vary from area to area. I don't see that on your list. Also there is our 8.25 sales tax on any purchases since we don't have a State Tax.
@@gotsu7343 Yup! And there is talk of it being raised. Welcome to Houston!
The builder pays your fees?
Long beach ca 5.89 premium
My #1 concern right now is finding a place we can purchase a new construction and not be absolutely wrecked by an areas HOA fees or MUD taxes. How do VA disability ratings come into play here? I have researched that 100% VA veterans may apply for waiver of property taxes, but that would not affect MUD/HOA type costs would it?
great question and we have dealt with many VA loans before .lets got you on a call so we can do all that work for you so you can plan your move here easier! email us at houston@realagentnow.com
Man gas is like $4.50 in a Utah right now
2.99 cypress
Ya its up there, lots of new build around there for sure!
Can you do property taxes for Cypress?
Ya, thats a hot area I am going to have to do a full breakdown on! are you thinking of moving there?
@@LivinginHoustonTX I am hoping to move there!
4k a year
Illinois is higher!!!!
How about manufactur homes
Wait, is this someone who JUST GOT HERE talking about my city? First of you need to use the mdian home price in your calculations. This isnt California.
Tu eras un, bandero de rentas
Dont cali texas please
There's no need, your getting cali'd in your property tax
@@gotsu7343 umm i dont think so, no state income tax, low gas prices and food prices, low insurance rates, low house prices, Yea dont compare bro
On one hand some of your info is wrong, but on the other hand. Houston doesnt want a bunch of liberals crying about how costly their state is.
Ted Cruz For President 2024.