The purchase price is one number. What you actually spend over 10 years is a different number entirely. This analysis covers HOA fees, property taxes, insurance, maintenance, and utility estimates for Bel Haven at three price points — before and after Ohio's homestead exemption.
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Talk to a Specialist →All figures are estimates. Actual costs vary. Verify current HOA rates with Epcon before closing.
| Cost Category | Yr 1 | Yr 5 | Yr 10 | 10-Year Total |
|---|---|---|---|---|
| HOA fees | $3,000 | $3,378 | $3,916 | $34,318 |
| Property taxes | $4,990 | $4,990 | $4,990 | $49,900 |
| Homeowner's insurance | $2,200 | $2,676 | $3,418 | $27,100 |
| Exterior maintenance reserve | $2,495 | $2,495 | $2,495 | $24,950 |
| Interior maintenance | $500 | $500 | $500 | $5,000 |
| Utilities | $2,600 | $3,014 | $3,496 | $29,810 |
| Annual Total | $15,785 | $17,053 | $18,815 | $171,078 |
After Ohio homestead exemption (qualifying buyers): 10-year tax savings of ~$2,900. Net 10-year total: ~$168,178.
| Cost Category | Yr 1 | Yr 5 | Yr 10 | 10-Year Total |
|---|---|---|---|---|
| HOA fees | $3,000 | $3,378 | $3,916 | $34,318 |
| Property taxes | $5,490 | $5,490 | $5,490 | $54,900 |
| Homeowner's insurance | $2,400 | $2,919 | $3,728 | $29,562 |
| Exterior maintenance reserve | $2,745 | $2,745 | $2,745 | $27,450 |
| Interior maintenance | $550 | $550 | $550 | $5,500 |
| Utilities | $2,600 | $3,014 | $3,496 | $29,810 |
| Annual Total | $16,785 | $18,096 | $19,925 | $181,540 |
After Ohio homestead exemption: net 10-year total ~$178,640.
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This is the comparison that most buyers in this market eventually ask for. Bel Haven costs more to buy but sits in a lower-tax county. Villas at Beavercreek is cheaper to buy but in Greene County at 1.35%.
| Category | Bel Haven ($530K, Butler Co.) | Villas at Beavercreek ($450K, Greene Co.) | Bel Haven Advantage |
|---|---|---|---|
| Purchase price | $530,000 | $450,000 | -$80,000 (VaB is cheaper) |
| 10-yr property taxes | ~$53,000 | ~$60,750 | +$7,750 (BH saves more) |
| 10-yr insurance (est.) | ~$28,000 | ~$22,000 | -$6,000 (VaB lower value) |
| 10-yr maintenance | ~$31,500 | ~$27,000 | -$4,500 (VaB lower value) |
| 10-yr HOA (est.) | ~$34,318 | ~$28,000 | -$6,318 (VaB lower) |
| 10-yr utilities | ~$29,810 | ~$29,810 | $0 (comparable) |
| 10-yr operating costs | ~$176,628 | ~$167,560 | -$9,068 (VaB lower ops) |
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