this post was submitted on 04 Dec 2023
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Let’s say that you buy a home in cash and have 100% paid off. Could you still lose it somehow?

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[–] [email protected] 62 points 1 year ago (12 children)

Yes. It happened to my friends. They both lost their jobs and couldn't pay the property tax on their fully paid-off house, so it was foreclosed and auctioned off.

[–] [email protected] 2 points 1 year ago (10 children)
[–] [email protected] 5 points 1 year ago (7 children)

This is Texas which has no income tax, so they have high property tax. It's about 1% per annum based on the appraised value of the property. Plus if it's a newer neighborhood, you pay an extra amount for the cost of infrastructure until it's paid off, usually called a MUD (municipal utility district) tax. Mine is an extra 1.2% so I'm paying roughly $1200/month in property taxes for my residence.

[–] [email protected] 1 points 1 year ago (1 children)

1% is a pretty normal amount for an urban area, but it's usually a combination of county and city. If the state of Texas has a 1% tax on top of county and city taxes, that'd be pretty high.

[–] [email protected] 1 points 1 year ago

No, that's county, city, and school district

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