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Old 02-02-2015, 07:35 AM
 
6 posts, read 9,310 times
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Folks,

I am looking for the inside scoop from any residents of Adams County about taxes. I will be moving either to Adams County or Frederick County, MD, next summer. Here's my scenario: husband and father of four, will be making just under 60k with good benefits in a job in Frederick Co., MD, looking to purchase a home for ≤200k in southern Adams Co (if not in northern Frederick Co.).

My question about taxes stems from casual observations about the tax structure in PA. Many people assume that the tax burden in PA is lower than that of MD. At first glance, this seems to be correct, because the state income taxes are higher in MD. After looking into it, however, I wonder whether this is false. The income tax in PA is flat with no deduction for family size, while in MD there is a deduction for dependents. So in PA a breadwinner for a large family still pays an identical rate as a single individual making the same income. If I am right in my own calculations, there would be tax relief for a larger family in MD, and so the rates do not compare. In addition, the municipalities in PA seem to charge higher income tax percentages than in MD.

Also, in MD it seems that property taxes include school taxes, and are assessed once, while in PA there are several taxes that may end up being higher in combination (property, school district, local income, etc.). Is that right?

All this makes me doubt the standard blue MD vs. purple PA narrative. In the end, for someone in my situation, it seems as though Frederick Co. may be better than Adams Co. for large, young families.

Can anyone corroborate or dispute my hunch here? Thanks!

Last edited by hollowsocket; 02-02-2015 at 08:38 AM..
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Old 02-02-2015, 09:01 PM
 
Location: The place where the road & the sky collide
23,521 posts, read 29,423,863 times
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Quote:
Originally Posted by hollowsocket View Post
Folks,

I am looking for the inside scoop from any residents of Adams County about taxes. I will be moving either to Adams County or Frederick County, MD, next summer. Here's my scenario: husband and father of four, will be making just under 60k with good benefits in a job in Frederick Co., MD, looking to purchase a home for ≤200k in southern Adams Co (if not in northern Frederick Co.).

My question about taxes stems from casual observations about the tax structure in PA. Many people assume that the tax burden in PA is lower than that of MD. At first glance, this seems to be correct, because the state income taxes are higher in MD. After looking into it, however, I wonder whether this is false. The income tax in PA is flat with no deduction for family size, while in MD there is a deduction for dependents. So in PA a breadwinner for a large family still pays an identical rate as a single individual making the same income. If I am right in my own calculations, there would be tax relief for a larger family in MD, and so the rates do not compare. In addition, the municipalities in PA seem to charge higher income tax percentages than in MD.

Also, in MD it seems that property taxes include school taxes, and are assessed once, while in PA there are several taxes that may end up being higher in combination (property, school district, local income, etc.). Is that right?

All this makes me doubt the standard blue MD vs. purple PA narrative. In the end, for someone in my situation, it seems as though Frederick Co. may be better than Adams Co. for large, young families.

Can anyone corroborate or dispute my hunch here? Thanks!
Check the total Maryland taxes. You need to check the county taxation. I believe that you pay 60% of your state tax amount to the county.
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Old 02-15-2015, 07:21 AM
 
23 posts, read 27,734 times
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I think you are right. I can only speak from my own experience. I owned a home in Baltimore County and moved to York County. My taxes are much higher in PA. PA has separate school tax which you pay regardless if you have school aged children (i.e. I am childless and senior citizens also pay it). In addition to state there county and local township taxes.

Another item to consider - in MD things like trash collection were part of the county taxes and in PA it is private and you pay whomever your township selects to contract with. Also the water and sewer bills are astronomically higher than Baltimore County (that may have changed in the 10 years since I've lived in PA).

That being said, I feel you get more land and house for your dollar in PA and I feel safer here than I did in MD with less congestion and prettier surroundings. My commute is against traffic and a dream compared to anything in the MD/DC area!

Again, all this is my experience only, others may see things differently.
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Old 02-15-2015, 01:43 PM
 
6 posts, read 9,310 times
Reputation: 12
Cozy,

Thanks very much for sharing your experience, both on taxes and on housing/land costs.
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