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Old 02-09-2015, 09:41 PM
 
Location: Sacramento
13,784 posts, read 23,807,188 times
Reputation: 6195

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Quote:
Originally Posted by fumbling View Post
How high are the prop taxes? About 3-4% of value?
Yes, homes in the $250 K range often had property taxes exceeding $7000 per year. Just for an example, here is a listing for $240 K in suburban Rochester, and it has a property tax bill of $9,378

REALTOR.com - Real estate listings & homes for sale

And another listed at $215 K, and having an annual property tax bill of $7,521

http://www.realtor.com/realestateand...4_M40670-17089


Just picked a couple of quick listing at random, but that was pretty much in line with the property tax bills I had seen when we were considering the area.
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Old 02-10-2015, 06:58 AM
 
Location: UpstateNY
8,612 posts, read 8,301,089 times
Reputation: 7523
It's all good until someone loses an eye.

Seriously, we managed our ten acres and two horses without skipping a beat until DH lost the cartilage in his hip.

Now we're stuck in a two story, he can't go up the stone stairs to the workshop now, too dangerous with all the snow.

I have to take care of the animals and shovel the snow because getting in the plow truck kills him.

Always keep in mind your health will deteriorate at some point, this means needing more services.

On clear roads it's 45 minutes to a hospital, at least 25 minutes from EMT/fire department.

We have one of the highest electric rates in the country.

Unless you will be able to hire out services like plowing and snow removal, plan on it becoming more of a burden each year.

My aunts 118K house in Rochester had property taxes of around 5K, and that is with the STAR exemption.

We are just west of Lake George.
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Old 02-10-2015, 07:04 AM
 
6,366 posts, read 3,579,235 times
Reputation: 7285
Rent in a 55+ community? You pay your rent, utilites, and monthly maintenance fees. All the landscaping/snow removed is done for you. Some have tennis courts, pools, clubhouse.

We are leaving Florida (only came for job) and going back north for retirement. Nine months of brutal HEAT and Humidity is horrible in Florida. Far too many people think "ah, no snow" but unless you have been in Florida in May through November you have no idea what all this heat is like.

My husband is thinking Pa., but I just want to go back to NY. Will have to start checking out 55+ Active Communities. Home ownership becomes a real pain unless you have a lot of $$$$ and can hire people to do the work for you.
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Old 02-10-2015, 07:05 AM
 
5,911 posts, read 6,714,947 times
Reputation: 15254
Quote:
Originally Posted by loveautumn View Post
and New Hampshire has no income tax.
When I was looking at retirement places, New Hampshire didn't even come close to making the top ten, regardless of "No Income Tax". The overall tax burden is high, and the cost of living is high as well.

I enjoy the out of doors, and winter poses no personal hardship, but money is money, and new Hampshire's overall "cost" disqualified it pretty quickly as a place in which to retire.
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Old 02-10-2015, 07:12 AM
 
Location: Rochester NY (western NY)
1,021 posts, read 1,616,697 times
Reputation: 2311
Quote:
Originally Posted by Linda_d View Post
I will be retiring in Upstate NY, BTW. Right here where I am in Jamestown, NY.
Sorry but Jamestown is closer to being upstate PA than it is Upstate NY.
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Old 02-10-2015, 08:42 AM
 
Location: Jamestown, NY
7,841 posts, read 7,328,515 times
Reputation: 13779
Quote:
Originally Posted by OverTaxedInNY View Post
Sorry but Jamestown is closer to being upstate PA than it is Upstate NY.
Not hardly. NY plows even its back roads. PA does not.

Actually, the Jamestown area is considerably more prosperous, socially progressive, and cultured than NW PA once you get out of commuting distance to Erie, PA or Pittsburgh. Rural/small town PA is not called "Pennsyltucky" for nothing. That so many Pennsylvanians come to NY for jobs kind of says it all about the economy there. Towns like Bradford or Kane are pretty sad, but not nearly as grim as the towns in the coal mining areas further south.
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Old 02-10-2015, 11:02 AM
 
Location: Backwoods of Maine
7,114 posts, read 8,152,702 times
Reputation: 18766
We moved to Maine in 2014 to escape the humid heat of Rhode Island, and the high property taxes there. Our property taxes, on 33 acres in Maine (with ranch house) are about $800 a year.

I am happy to be in Maine all year long, but the wife has relatives in Tennessee, so we are spending 2-3 weeks to look at some land down here right now. We dodged a snow storm driving down here from Maine. There are lots of nice properties to look at, and modular homes and mobile homes are allowed in a lot of places here. We both want single-story from now on. I like the idea of having a second home to go to, in the event that laws change in one or both states. TN is retiree friendly!
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Old 02-10-2015, 11:04 AM
 
4,481 posts, read 4,742,235 times
Reputation: 9940
Quote:
Originally Posted by CCc girl View Post
It's all good until someone loses an eye.

Seriously, we managed our ten acres and two horses without skipping a beat until DH lost the cartilage in his hip.

Now we're stuck in a two story, he can't go up the stone stairs to the workshop now, too dangerous with all the snow.

I have to take care of the animals and shovel the snow because getting in the plow truck kills him.

Always keep in mind your health will deteriorate at some point, this means needing more services.

On clear roads it's 45 minutes to a hospital, at least 25 minutes from EMT/fire department.

We have one of the highest electric rates in the country.

Unless you will be able to hire out services like plowing and snow removal, plan on it becoming more of a burden each year.

My aunts 118K house in Rochester had property taxes of around 5K, and that is with the STAR exemption.

We are just west of Lake George.

Is your husband getting a new hip? He will be like a new man after...seriously.
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Old 02-10-2015, 11:30 AM
 
Location: UpstateNY
8,612 posts, read 8,301,089 times
Reputation: 7523
He's scared to death and has dug his heels in for three years now. I'm hoping he will want to after awhile. Pray for us, Brava, and if you or someone close has had theirs done please post your experience in the 'How's your hip replacement doing?' thread.

Another thing to consider if you're thinking rural, you will have to travel for the better doctors.

There's an old saying up here, 'If you want to die go to Glens Falls Hospital, if you want to live go to Saratoga.'

Nowadays both hospitals rank about the same. Nothing stellar. Albany Med is the best within driving and it's an hour and a half away.
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Old 02-10-2015, 12:06 PM
 
7,801 posts, read 4,387,974 times
Reputation: 11589
I'm seriously looking at Long Beach/Rockaway (across the bridge from Brooklyn); that's not "upstate," exactly, but it's not "the city," either... Friends recently relocated from Kentucky to Watertown; I think they're still spinning from the combined effects of snow volume on the roof and heating bills!
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