Property tax, HOA, insurance, and maintenance — totaled for each community at a representative price point. These are the real annual carrying costs most buyers don't see until they're already under contract.
| Community | Ref. Price | Tax/Yr | HOA/Yr | Ins+Maint/Yr | Total/Yr | Monthly |
|---|---|---|---|---|---|---|
| Heritage Harbour (SFH) Anne Arundel · Resale SFH | $440,000 | $4,796 | $2,112 | $7,040 | $13,948 | $1,162 |
| Four Seasons at Kent Island (SFH) Queen Anne's · New construction SFH | $750,000 | $6,450 | $4,800 | $12,000 | $23,250 | $1,938 |
| Symphony Village Queen Anne's · Resale SFH | $370,000 | $3,182 | $3,480 | $5,920 | $12,582 | $1,049 |
| Chesapeake at Easton Talbot · Resale SFH | $420,000 | $3,192 | $2,136 | $6,720 | $12,048 | $1,004 |
| Bay Bridge Cove Queen Anne's · Attached townhome | $410,000 | $3,526 | $2,760 | $6,560 | $12,846 | $1,071 |
| Two Rivers (55+ section) Anne Arundel · New construction SFH | $720,000 | $7,848 | $3,600 | $11,520 | $22,968 | $1,914 |
| Village at Waugh Chapel Anne Arundel · Elevator condo | $380,000 | $4,142 | $4,320 | $6,080 | $14,542 | $1,212 |
| Hamlets at South River Colony Anne Arundel · Resale SFH | $530,000 | $5,777 | $3,000 | $8,480 | $17,257 | $1,438 |
| Londonderry Tred Avon Talbot · Waterfront SFH | $750,000 | $5,700 | $4,560 | $12,000 | $22,260 | $1,855 |
| Central Parke at Ocean Pines Worcester · Resale SFH | $360,000 | $2,808 | $2,640 | $5,760 | $11,208 | $934 |
Reference prices are mid-range estimates for 2025 market conditions. HOA figures are mid-range estimates; actual fees depend on unit type, section, and current board-approved budget. Insurance higher for waterfront and flood-zone properties. Always verify with a current HOA disclosure packet and SDAT assessment.
Assumptions: 2% annual assessment growth, 2.5% HOA escalation, 3% insurance/maintenance escalation. No mortgage.
| Community | Year 1 Total | Year 5 Total | Year 10 Total | 10-Yr Cumulative |
|---|---|---|---|---|
| Heritage Harbour (SFH) | $13,948 | $15,446 | $17,556 | $156,883 |
| Four Seasons KI (SFH) | $23,250 | $25,786 | $29,360 | $261,969 |
| Symphony Village | $12,582 | $13,948 | $15,873 | $141,697 |
| Chesapeake at Easton | $12,048 | $13,376 | $15,251 | $135,920 |
| Two Rivers (55+) | $22,968 | $25,435 | $28,906 | $258,329 |
At the $360K–$440K range (Chesapeake at Easton, Central Parke, Symphony Village), the county tax rate drives 35–45% of total carrying cost. Choosing Talbot over Anne Arundel saves $1,100–$1,400/year on tax alone — often more than the HOA difference between comparable communities.
At $700K+ (Four Seasons KI, Two Rivers), HOA becomes the biggest line item. A $100/month HOA difference at this price point is $1,200/year — equivalent to a 0.17% tax rate shift. Compare HOA structures carefully at luxury price tiers.
Four Seasons at Kent Island and Two Rivers are shown at builder representative prices. Design center upgrades, lot premiums, and closing cost structures mean the actual all-in cost is typically $50K–$120K higher than the advertised base. Budget accordingly when comparing to resale.
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