How much do you have to pay every year after buying a house in America?

The most important thing in the United States is taxes, and there are also many payments after buying a house. In fact, relatively speaking, loans, property fees and so on are to be paid.

After buying a house successfully in the United States, investors will face the problem of holding costs. Property tax bears the brunt; Followed by home insurance, property fees, maintenance fees and other expenses. How much maintenance do you have to pay each year? ?

Real estate tax?

Real estate tax, also known as "property tax" or local tax for short, is the general name of county tax, city tax and school district tax levied by local governments on real estate. The tax rate of real estate tax in the United States is determined by the state governments, which means that the tax rate in the United States is different. The general actual tax payable is 1%~3%, of which the school district tax is the highest, accounting for more than 60% of the local tax. The benchmark of real estate tax in Irvine is about 1.003%, and new houses after 1990 are subject to new house tax, ranging from 0.2% to 0.7%. ?

How much does it cost to buy American real estate every year? ?

House insurance?

Home insurance's role is that if the house is damaged by fire, flood, lightning and other accidents, if the owner buys home insurance, he can generally get a premium of $200,000, with an annual premium of $500. If it is a commercial house, insurance can also protect the loss of rent. In addition to buying a house, you need buyer's insurance. In fact, you should also buy earthquake insurance. This kind of insurance mainly includes earthquake, war, nuclear accident and flood. , usually not included in most insurance clauses. Because California is an earthquake-prone area, the cost of earthquake insurance is relatively high when buying a house in California. The cost of earthquake insurance is often twice that of fire insurance. Home insurance varies according to different insurance clauses, and the premium is generally between 500 and 900. ?

Community fees and property fees?

In the United States, houses are planned in a community, so residents have to pay community fees. This fee is used to pay and maintain the public facilities in the community. Such as street lamps, public lawns. Depending on the community service, it costs about $80 to $500 a month. ?

Property fees, generally public facilities of an apartment, are generally between 300 and 500 dollars per month. The management fee of high-end units is as high as 60- 1200 USD. ?

Rental management fee?

If the investment house is rented, it is generally managed by the management company. The management fee is generally 8% ~10% of the rental price+the first month's rent, and some places will be cheaper. If it is a large apartment, the management fee will be much less. ?

Loan principal and interest?

If you buy a house through a loan, the principal and interest of the house will be paid monthly if the loan is not repaid. The average 30-year fixed interest rate enjoyed by borrowers with high credit records in the United States is around 3.75-5.00%. The floating interest rates of lenders without good credit records are all between 5% and 6%.