I'm wondering where to retire. It would have to be in a location where
housing prices are not outa this world, like San Diego, etc. But I also want
a place that I can grow wonderful vegetables most of the year. Even if that
means in a northern state with season extensions and a greenhouse. Or the
deep south. or, what's your thoughts on climate and taxes!!!? Don't vege's
taste better with less taxes?
Texas is hard for me to figure the tax liability. Personal Property taxes
vary by local districts/towns. And my own liability is that I don't speak
Spanish. But it does list 41st out of 50 on my handy dandy state tax
comparison chart. South Texas is way too hot for me but central Texas is so
pretty and I think that the climate/soil for gardening in the hill country
Actually, the soil in the hill country is pretty rocky.
The alluvial plains below it tho' are good, but then there is the danger
of tornadoes and bad storms.
There is a reason I live in the upper areas West of IH-35. The hilly
terrain breaks up the winds. The worst I've gotten here in this house in
20 years is a couple of bad hail storms.
I garden in all raised beds and containers.
I too garden in raised beds and containers, especially self watering
containers. Thanks for the input on Texas. It's in the running. Where you
are describing sounds like around Abeline. Is that Zone 7?
I honestly don't know the zone. :-) I've never paid much attention to
those and I know that's not good, but... <shrugs>
I live in the Austin/San Antonio IH-35 corridor.
I'm sure there are zone maps that will show it.
I tend to disagree with the map a bit in the area around Austin. Generally
speaking, its a bit cooler to the west in the hill country proper than
Austin itself during worst of winter.
Hill country proper, unless you're lucky enough to be in some bottom land,
you have to have raised beds. Or have the soil brought in. West of IH35,
may be lucky to have some locally usable soil of appreciable depth.
Water availability is always a problem in the summer in a typical year.
Texas has a 8.25% sales tax except for most foods. They tax vegetable
juice, but not potato chips. I don't know why either. All restaurant foods
are taxed same rate. Locally prepared bakery products are not taxed.
Property taxes vary by county AND local school districts within that county.
Looking at last year's tax bill, the school district's portion is the
biggest bite in taxes. I live in Hays county, in the Wimberley area subject
to WISD taxation. Well over 2% assessed value is tax rate. Austin is in
Travis county. Seniors get a property tax break at age 65 state-wide.
Got some decent rain today, with minor hail.
That is good information. sales tax at 8.25% is even worse than Tennesse.
and yes, I can't figure property taxes in Texas because each town is
different. plus school district taxation!!! ick. Gardening is getting
more expensive as I read.
"Dioclese" <NONE> wrote in message
I agree. It varies a LOT due to changes in altitude.
Yeah, but you are safer from Tornadoes than if you lived EAST of IH35!
Yes and no. It's what makes raised bed and container gardening more
attractive tho'. I've considered (eventually) checking out hydroponics.
I live in Hays county also, and in the suburbs within city limits. My
lot with the house is .22 acres. The house (including the sun room/porch
we added, it's insulated and AC'd) is 1,450 square ft.
Tax bill this year is estimated at $1,670. Just got the tax statement
yesterday, but the actual tax is usually $50.00 to $100.00 less.
I just have a set amount of money deducted from savings into checking
monthly, (BOA will set up the auto-debit) to pay for property tax and
home owners insurance annually. That also acts as my overdraft
Taxes in and near to San Antonio are MUCH higher, as is Austin.
Property taxes are based on: value of your property per the county tax
assessor, not the size of the lot or the square footage of the home. Yes,
both play in determining that. So does the prevailing values of the
properties in your vicinity. The tax percentage times the estimated
property value equals the annual tax burden. I think you will find that if
you can find an equally valued home/property in Austin/San Antonio, there
would be little difference in the tax burden depending on the school
I physically go to the local bank and have them transfer my checking account
monies to my savings account every month for property taxes and annual auto
insurance premium. When either come due, I transfer the monies back and
write the appropriate check. I used to do the transfer at the bank's ATM.
But, I ran into something unusual that the bank clerk and customer service
could not explain. They said the bank would hold funds if my total debits
exceeded 1000 dollars. Together with my transfer and debits, it did exceed
that. They said an internal transfer electronically from the bank ATM to my
savings account should not be a factor. They could not explain it. My
debit card was refused that day at the local dollar store for 9 bucks worth
of dog food. Even though my checking account had over 2000 dollars in it.
So, the bank personnel said to come in the bank and let them do the checking
to savings transfer.
Um, babe, yes they do! When I had the addition built on, they tried to
give me a seriously over-rated tax increase! I objected as it's just a
bloody sun porch. Got it reduced by around $300.00. Size and location
of the lot, plus buildings and land improvements such as wells and
I have. San Antonio is MUCH higher...
It's less hassle for me to do an auto-debit like I do for my morgage and
enter it in the checkbook accordingly. I have a separate "checkbook" to
draw from the money market (savings) account when I need to draw on it.
I can also phone call to have money transferred back into checking, but
it's not necessary.
I'd rather not have to go there in person. My schedule is a bit wierd
because I work night shifts...
I could do the transfers thru paypal or on line banking, but I don't
like putting my banking info. on the internet.
The phone calls work fine. :-)
As do the scheduled auto-debits.
I use Bank of America.
With the savings account checks, I really don't have to do transfers to
checking from savings, but I've currently misplaced the book. :-P
Good for you. But, that doesn't mean the added square footage is the
factor. No, its what they value your property at, irregardless square
footage. That is, the improvement adding to your property value,
irregardless the square footage added, is the factor. Contesting their
assessment is always a good idea if it increases as a result of some
You forgot views. A view of the surrounding area from your property is also
taxable. No, I'm not kidding.
I refuse, and continue to refuse to use any "online" form of banking. I do
continue to use a personal computer without internet access to keep track of
The "view" that I was referring is for instance a hilltop or near hilltop
home with view of countryside. Not related directly to you.
The tax assessor's rep at the contested property tax says their basis is the
added square footage. That's their basis for the increase. If they had
been successful, the value of the property would have gone up as a result.
And, as a result, so would your taxes. The basis for taxing the property,
the value would have increased. That is my point. Again, I'm glad you were
successful in contesting their proposed property value increase.
Back to the view thing. They showed a proposed tax increase on my property
due to what they thought was a view in the preliminary tax papers.
Apparently, they "chickened out" as it did not show in my actual property
tax breakdown. I don't really have any real view of the countryside due to
the trees. Have to go up to the street to see that. I can see Austin and
New Braunfels/San Antonio lighting the sky on most nights. Directly
overhead, dark and good night sky/stars.
HomeOwnersHub.com is a website for homeowners and building and maintenance pros. It is not affiliated with any of the manufacturers or service providers discussed here.
All logos and trade names are the property of their respective owners.