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Old 03-27-2012, 03:31 PM   #316
HungLikeJesus
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Don't you mean KFC?
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Old 03-27-2012, 07:59 PM   #317
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5-10k/yr@KFC! Call the medics.

The mortgage deduction looks like a scam from where I'm sitting.
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Old 03-27-2012, 09:25 PM   #318
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I have to say, while I like taking the mortgage deduction myself (I got mine, Jack!) I don't think it's really that effective at promoting homeownership like it's supposed to. I mean, who says to themselves, "Weeeeelllll, we're on the fence about buying a house, such a big commitment and all... Wait, what's that? At the end of next year, our total tax bill will be reduced by a relatively small percentage of the interest payments we will be making on this house? Oh shit, sign us up today!"

Besides that, I think promoting homeownership is a wasted initiative to begin with. They have it backwards: homeownership is associated with stable and productive families, yes, but it's an effect, not a cause. You can't just give someone a house and all of a sudden they're a paragon of civic duty and filial responsibility.
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Old 03-27-2012, 10:01 PM   #319
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WSS^^^
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Old 03-28-2012, 07:20 AM   #320
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Originally Posted by Clodfobble View Post
What about your property taxes? Surely those have gone up over the years, probably at a rate similar to the amount rent has gone up? At this point my dad's property taxes are far, far higher than the mortgage on his house.
Yeah, the taxes keep going up. But while there was a huge jump during the real estate boom a decade or so ago, they have stayed pretty steady over the last decade.
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Old 03-28-2012, 09:22 AM   #321
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I don't know about Virginia, but in Texas they're only allowed to raise your property taxes by a certain percentage each year, to help keep the established homeowners from being forced out during housing bubbles. But if you live in a place long enough, it'll still catch up with you in the end.

Our neighborhood was subject to part of the housing crash, and our house is currently still appraised at less than we paid for it (though not less than we actualy owe on it, fortunately,) but we like that because we know it'll go back up eventually, we have no intentions of moving, and in the meantime it means our property taxes are lower.
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Old 03-28-2012, 10:10 AM   #322
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When the bottom fell out of the market, our real estate taxes didn't really go down. The assessment went down, but the government raised the tax rate to keep the tax amount pretty level. And then as assessments have crept up slowly, they have lowered the tax rate.
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Old 03-28-2012, 04:49 PM   #323
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JFC.
Quote:
Originally Posted by HungLikeJesus View Post
Don't you mean KFC?
Kentucky Fucking Christ? That don't make no sense.

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Old 03-28-2012, 06:29 PM   #324
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When the bottom fell out of the market, our real estate taxes didn't really go down. The assessment went down, but the government raised the tax rate to keep the tax amount pretty level. And then as assessments have crept up slowly, they have lowered the tax rate.
The only thing that surprises me here is the last five words.
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Old 03-29-2012, 04:45 AM   #325
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You can't just give someone a house and all of a sudden they're a paragon of civic duty and filial responsibility.
Yes I am.
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Old 03-29-2012, 07:48 AM   #326
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Quote:
Originally Posted by glatt
The assessment went down, but the government raised the tax rate to keep the tax amount pretty level.
Those bastards!
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Old 03-29-2012, 09:54 PM   #327
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At this point my dad's property taxes are far, far higher than the mortgage on his house, and when he's ready to retire he'll have no choice but to sell the house because the neighborhood has gotten too nice for him to keep paying the property taxes on it.
How can you ever "own" a house if you have to keep up payments to the government for it? You never really have it free and clear. They call this the American dream?
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Old 03-29-2012, 10:53 PM   #328
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Taxes are on the property, not the structure upon it.
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Old 03-29-2012, 11:15 PM   #329
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Taxes are on the property, not the structure upon it.
I wish...

Oregon puts separate values on land and it's improvements (e.g.,house)
and bases the taxes on both.
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Old 03-30-2012, 11:57 AM   #330
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I wish...

Oregon puts separate values on land and it's improvements (e.g.,house)
and bases the taxes on both.
Same here in Washington.
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