Enclave at Chapel Hill — True Monthly Cost

HOA + Orange County property tax + insurance + utilities. The complete number for retirement budget planning.

All-In Monthly Cost

All-in monthly cost — $525K Enclave at Chapel Hill home

HOA fee$290/mo

Orange Co. property tax (~0.85%)~$372/mo

Homeowners insurance~$100–$130/mo

Utilities (electric, gas, water)~$180–$230/mo

Total monthly carrying cost (excl. mortgage)~$942–$1022/mo

NC 65+ property tax reliefNorth Carolina offers an elderly exclusion (AV-9 form) for residents 65+ who meet income limits. File with Orange County Tax Administration each year — qualifying buyers can reduce annual property tax by $300–$800.

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