Greene County's ~1.35% effective tax rate makes the Villas at Beavercreek more expensive to hold than Butler County alternatives — even though the purchase price is lower. This analysis shows the full 10-year picture at $434K (average) and $462K (upper average).
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| Cost Category | Yr 1 | Yr 5 | Yr 10 | 10-Year Total |
|---|---|---|---|---|
| HOA fees | $2,880 | $3,243 | $3,759 | $32,949 |
| Property taxes | $5,859 | $5,859 | $5,859 | $58,590 |
| Homeowner's insurance | $1,900 | $2,310 | $2,951 | $23,401 |
| Exterior maintenance (HOA covered) | $0 | $0 | $0 | $0 |
| Interior maintenance | $800 | $800 | $800 | $8,000 |
| Utilities | $2,600 | $3,014 | $3,496 | $29,810 |
| Annual Total | $14,039 | $15,226 | $16,865 | $152,750 |
After Ohio homestead exemption (qualifying buyers): 10-year savings ~$3,920. Net total: ~$148,830.
| Cost Category | Yr 1 | Yr 5 | Yr 10 | 10-Year Total |
|---|---|---|---|---|
| HOA fees | $2,880 | $3,243 | $3,759 | $32,949 |
| Property taxes | $6,237 | $6,237 | $6,237 | $62,370 |
| Homeowner's insurance | $2,000 | $2,431 | $3,106 | $24,633 |
| Interior maintenance | $900 | $900 | $900 | $9,000 |
| Utilities | $2,600 | $3,014 | $3,496 | $29,810 |
| Annual Total | $14,617 | $15,825 | $17,498 | $158,762 |
After homestead exemption: net 10-year total ~$154,842.
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Both sit in the same county rate environment. Edinburgh Village's lower purchase price ($336K) drives down every cost line.
| Category | Villas at Beavercreek ($450K) | Edinburgh Village ($336K) | Beavercreek Premium |
|---|---|---|---|
| Purchase price | $450,000 | $336,000 | +$114,000 |
| 10-yr property taxes | ~$60,750 | ~$52,080 | +$8,670 |
| 10-yr insurance (est.) | ~$24,000 | ~$17,500 | +$6,500 |
| 10-yr maintenance | ~$8,000 | ~$6,000 | +$2,000 |
| 10-yr HOA (est.) | ~$32,949 | ~$32,949 | $0 (same structure) |
| 10-yr ops cost | ~$155,699 | ~$138,339 | +$17,360 |
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