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Old 07-28-2014, 09:33 AM
 
Location: Mount Airy, Maryland
9,403 posts, read 5,202,941 times
Reputation: 14190

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As a lifelong resident of Maryland I have pretty much decided that we'll need to move to a less expensive area in retirement. After searching I just don't want to move, period. I love Maryland So that brings me to the Eastern Shore, specifically Chestertown. I just looked up a few homes for sale and the property taxes were very affordable,

But I"ve been fooled before with PA taxes, so my question is are there local school taxes or whatever in Chestertown or in other areas of the eastern shore? Or are the published property tax figures for real?
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Old 07-28-2014, 09:41 AM
 
Location: North Beach, MD on the Chesapeake
32,100 posts, read 39,155,933 times
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Quote:
Originally Posted by DaveinMtAiry View Post
As a lifelong resident of Maryland I have pretty much decided that we'll need to move to a less expensive area in retirement. After searching I just don't want to move, period. I love Maryland So that brings me to the Eastern Shore, specifically Chestertown. I just looked up a few homes for sale and the property taxes were very affordable,

But I"ve been fooled before with PA taxes, so my question is are there local school taxes or whatever in Chestertown or in other areas of the eastern shore? Or are the published property tax figures for real?

The Chestertown property taxes would be the same setup as you have in Mt. Airy. The County collects their taxes which would include school taxes and if you live in a municipality you'd have an additional Town property tax.
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Old 07-28-2014, 12:18 PM
 
Location: Mount Airy, Maryland
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Quote:
Originally Posted by North Beach Person View Post
The Chestertown property taxes would be the same setup as you have in Mt. Airy. The County collects their taxes which would include school taxes and if you live in a municipality you'd have an additional Town property tax.

Thanks NB, good to talk to you again. That's certainly good news, I guess i need to learn if there is a town tax in Chestertown
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Old 07-28-2014, 12:56 PM
 
Location: Sneads Ferry, NC
11,090 posts, read 18,613,184 times
Reputation: 4991
Quote:
Originally Posted by DaveinMtAiry View Post
I guess i need to learn if there is a town tax in Chestertown
There is a Mayor, town council etc in Chestertown. This budget shows a town mil rate of .37 per hundred. http://www.chestertown.com/gov/pdf/2014Budget.pdf

I love Chestertown also. Good luck on your future plans.
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Old 07-28-2014, 01:02 PM
 
Location: Mount Airy, Maryland
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Well bad news guys. There is no cheap golf in Chestertown. The only public course in the area is Queenstown Harbor. Now I love Queenstown Harbor but if I can't afford Mt. Airy taxes in retiremement it's a pretty safe bet I can't afford regular golf at Queenstown.
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Old 07-28-2014, 07:21 PM
 
687 posts, read 652,638 times
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If taxes are the main concern perhaps South Carolina, Tennessee, or Texas would be better options.

Depends what you're bringing in in retirement and how you want to live. If you're getting a lot of income then you don't want a jurisdiction that taxes income a lot, if at all. If you want to own property then you want a jurisdiction that has low or no property taxes.

Living in a municipality within a county and within a state just adds another layer of bureaucracy and therefore more tax burden. A LOT of jurisdictions (states, counties and towns) tax retirees differently than those under 65, but these would have to be researched independently.

Decide what lifestyle you want to live first, then the "where" will come naturally.
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Old 07-29-2014, 04:55 AM
 
Location: Mount Airy, Maryland
9,403 posts, read 5,202,941 times
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Quote:
Originally Posted by mapmd View Post
If taxes are the main concern perhaps South Carolina, Tennessee, or Texas would be better options.

Depends what you're bringing in in retirement and how you want to live. If you're getting a lot of income then you don't want a jurisdiction that taxes income a lot, if at all. If you want to own property then you want a jurisdiction that has low or no property taxes.

Living in a municipality within a county and within a state just adds another layer of bureaucracy and therefore more tax burden. A LOT of jurisdictions (states, counties and towns) tax retirees differently than those under 65, but these would have to be researched independently.

Decide what lifestyle you want to live first, then the "where" will come naturally.
Thanks mapmd. We have been researching lower cost areas to live for a while now and right now NE Tennessee (Johnson City) and Charles Town WV (to remain close to friends and family) are the 2 leaders. Taxes and COL are the biggest reasons. I like both areas, just don't love either for different reasons. To be honest we love where we live and don't ever want to move. But it's just too expensive
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Old 07-29-2014, 05:42 AM
 
Location: North Beach, MD on the Chesapeake
32,100 posts, read 39,155,933 times
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Maryland certainly isn't retirement friendly for many.
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Old 07-29-2014, 06:57 AM
 
3,137 posts, read 7,883,967 times
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How about Delaware? You can stay on the Eastern Shore but taxes are lower than MD's.
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Old 07-29-2014, 11:40 AM
 
Location: Mount Airy, Maryland
9,403 posts, read 5,202,941 times
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Quote:
Originally Posted by pcity View Post
How about Delaware? You can stay on the Eastern Shore but taxes are lower than MD's.
Mrs. Mount Airy is not for the Eastern Shore, too flat. Chestertown may have been a hard sell, Delaware is probably out of the question. But great suggestion, thanks.
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