What You’ll Pay in Property Taxes in Redlands
Property taxes in Redlands are generally in line with the state average, typically falling between 0.8%–1.2% annually. The typical property tax rate in Redlands is around 1.0%. For a home valued at $500,000, that translates to about $5,000 per year in property taxes.
Keep in mind that your exact property tax rate can vary based on a variety of factors, including your home’s assessed value, any exemptions you qualify for, and local tax levies. It’s always a good idea to check with the San Bernardino County Assessor’s Office for the most up-to-date information on your specific property.
While property taxes can feel like a significant expense, they play a crucial role in funding local services like schools, roads, and public safety. Understanding what you can expect to pay can help you budget more effectively as a homeowner in Redlands.
How HOA Fees Work in Redlands
HOA stands for Homeowners Association. If you purchase a home in a community with an HOA, you’ll typically be required to pay monthly or annual fees to cover the cost of maintaining and improving common areas and amenities.
In Redlands, HOA fees often include services like:
- Landscaping and irrigation for common areas
- Community pool and clubhouse maintenance
- Trash collection and recycling services
- Neighborhood security patrols
- Exterior building maintenance for condos and townhomes
The specific amenities and services covered by your HOA fees will depend on your community. Some neighborhoods may offer more extensive perks like fitness centers or tennis courts, while others focus primarily on basic upkeep. Be sure to review your HOA’s governing documents carefully to understand what’s included.
Typical Monthly HOA Costs
In Redlands, HOA fees can range from around $70 per month for a basic neighborhood to over $200 per month for a luxury development with extensive amenities. Here’s a quick breakdown of what you might expect to pay:
| Community Type | Typical Monthly HOA Fee |
|---|---|
| Low-fee neighborhood | $70 – $120 |
| Average suburban HOA | $120 – $180 |
| Luxury/amenity-heavy development | $180 – $250+ |
| Example: $295k home with 0.8% property tax + $150 HOA | ≈ $345/month |
🏆 Winner: Most cost-effective setup: Neighborhoods with fewer amenities tend to have lower HOA fees, like $70–$120/month.
Of course, these are just rough estimates. Your actual costs will depend on factors like the size of your home, the age of the development, and the specific amenities offered. It’s important to factor in both property taxes and HOA fees when budgeting for your Redlands home purchase.
Hidden or Seasonal Fees to Expect
In addition to your regular property tax and HOA payments, there are a few other fees that Redlands homeowners should be aware of:
- Irrigation surcharges: During the summer months, some Redlands neighborhoods may charge extra for watering common area landscaping. These fees can add $20-$50 per month to your HOA bill.
- Special assessments: If your community needs to make a major repair or improvement, the HOA may levy a special assessment to cover the cost. These one-time fees can range from a few hundred to a few thousand dollars, depending on the project.
- Bulk trash pickup: Some HOAs charge extra for large item disposal or [Surprising Local Fees in Redlands to Watch Out For](/redlands-ca/local-hidden-fees/), like old furniture or appliances. Expect to pay around $20-$50 per pickup.
While these extra costs can add up, they’re often less expensive than paying for services individually as a homeowner. Still, it’s a good idea to maintain a rainy day fund for unexpected HOA expenses.
Are These Costs Worth It?
For many Redlands residents, paying property taxes and HOA fees is a worthwhile investment in their community and property values. These costs help maintain the neighborhood’s appearance, provide convenient amenities and services, and ensure that everyone is following the same rules and standards.
Of course, HOA living isn’t for everyone. Some people prefer the freedom and flexibility of a home without association oversight. It’s important to weigh the pros and cons carefully before buying into an HOA community.
In Redlands, HOA homes often retain higher resale value, especially in communities with premium amenities. The well-maintained landscapes and consistent architectural styles can be a major selling point for future buyers. Just be prepared to budget for those monthly dues as part of your overall [2025 Housing Costs in Redlands: Rent, Mortgage & More](/redlands-ca/housing-breakdown/).
FAQs About Property Tax and HOA in Redlands
How much is the average HOA in Redlands?
HOA fees in Redlands typically range from $70 – $250 per month, with most falling in the $120 – $180 range. Luxury communities with extensive amenities may charge more.
Can your HOA fees increase?
Yes, HOA fees can increase over time to keep up with inflation, rising maintenance costs, and new amenity construction. However, any fee increases must be approved by the HOA board and are typically capped at a certain percentage per year.
Do you pay both property tax and HOA?
Yes, if you own a home in an HOA community, you’ll pay both property taxes to the county and HOA fees to your association. These are separate expenses with different purposes.
How do property tax rates compare between neighboring cities?
Property tax rates can vary slightly from city to city, even within San Bernardino County. For example, the average rate in nearby Loma Linda is around 1.1%, while in San Bernardino it’s closer to 1.2%.
Is an HOA fee worth it for new homeowners?
It depends on your priorities and lifestyle preferences. HOA fees can provide valuable amenities and services that save you time and money as a homeowner. However, they also come with rules and restrictions that some people find limiting. Consider your budget and long-term goals carefully before deciding.
Final Cost Insights for Redlands Homeowners
As you explore the Redlands real estate market, remember to factor in both property taxes (typically around 1% of your home’s value) and HOA fees (usually $70 – $250 per month) when budgeting for your purchase. These costs can add up, but they also provide valuable benefits and protections for your home and community.
If you’re considering a specific neighborhood or development, ask for a copy of the HOA’s most recent budget and fee schedule. This will give you a clearer picture of what you can expect to pay each month and what services are included. You may also want to attend an HOA meeting or talk to current residents to get a feel for how the association operates.
With careful planning and budgeting, you can find the perfect Redlands home to fit your needs and financial goals. Don’t forget to explore homeownership cost breakdowns for nearby cities like Loma Linda and Highland to compare your options.