What You’ll Pay in Property Taxes in Georgetown
As a homeowner in Georgetown, Texas, it’s important to understand the property tax rates you can expect to pay. In 2025, the typical property tax rate in Georgetown is around 0.9%. This means that for a home valued at $300,000, the annual property tax bill would be approximately $2,700.
While this rate is slightly higher than some other cities in the Austin metro area, it’s still lower than the national average. Property tax rates in Texas are generally lower compared to many other states. Keep in mind that your exact property tax rate may vary depending on the specific location and assessed value of your home within Georgetown.
It’s important to factor in property taxes when budgeting for homeownership costs. In addition to your mortgage payment, property taxes will make up a significant portion of your monthly housing expenses. Be sure to work with your real estate agent and lender to get an accurate estimate of your property tax liability before making an offer on a home in Georgetown.
How HOA Fees Work in Georgetown
In addition to property taxes, many neighborhoods in Georgetown have Homeowners Associations (HOAs) that charge monthly or annual fees. These fees help cover the costs of maintaining common areas and providing amenities for residents.
When you purchase a home in an HOA neighborhood, you automatically become a member of the association and are required to pay dues. These dues are separate from your mortgage and property tax payments. HOA fees in Georgetown typically cover expenses such as:
- Landscaping and maintenance of common areas
- Trash and recycling collection
- Community pools, parks, and recreational facilities
- Security and access control
- Exterior maintenance of homes (in some cases)
The specific amenities and services covered by HOA fees can vary widely from one neighborhood to another. Some associations offer extensive amenities like golf courses, tennis courts, and fitness centers, while others provide more basic services. Be sure to carefully review the HOA bylaws and budget before purchasing a home to understand what’s included in the fees.
Typical Monthly HOA Costs
So how much can you expect to pay in HOA fees in Georgetown? The answer depends on the specific neighborhood and the amenities offered. In general, monthly HOA fees in Georgetown range from $70 to $200 per month.
| Neighborhood Type | Typical Monthly HOA Fee |
|---|---|
| Low-fee neighborhood | $70 – $100 |
| Average suburban HOA | $120 – $160 |
| Luxury/amenity-heavy development | $180 – $200+ |
| Example: $295k home with 0.8% property tax + $150 HOA | $345/month |
For a more concrete example, let’s say you purchase a home in Georgetown valued at $295,000 with a property tax rate of 0.8% and monthly HOA dues of $150. In this scenario, your total monthly costs for property taxes and HOA fees would be around $345.
🏆 Winner: If you’re looking for the most cost-effective option, aim for a neighborhood with lower HOA fees and more basic amenities. While you may sacrifice some conveniences, you’ll save on monthly expenses.
Hidden or Seasonal Fees to Expect
In addition to regular monthly HOA dues, there are some hidden or seasonal fees that Georgetown homeowners should be aware of:
- Permit fees: If you plan to make any renovations or improvements to your property, you may need to obtain permits from the city or HOA. These permit fees can add up, especially for larger projects.
- Bulk trash surcharges: Some HOAs charge extra fees for disposing of large items like furniture or appliances. Be sure to check with your association about their bulk trash policies and fees.
- Irrigation charges: In Georgetown, many HOAs include irrigation or xeriscaping services to help maintain landscaping. However, some associations charge separate fees for water usage, especially during the hot summer months.
Are These Costs Worth It?
Given the added expense of property taxes and HOA fees, you may be wondering if it’s worth it to buy a home in an HOA neighborhood in Georgetown. While the costs can be significant, there are also some notable benefits to consider:
- Enhanced amenities: HOA neighborhoods often offer amenities like pools, parks, and fitness centers that would be expensive to maintain on your own.
- Consistent appearance: HOAs help ensure that all homes in the neighborhood are well-maintained and follow a cohesive aesthetic. This can help protect property values over time.
- Dispute resolution: If you have a conflict with a neighbor, the HOA can help mediate and resolve issues.
Of course, there are also some potential drawbacks to HOA living. You’ll have less control over your home’s exterior appearance and may face restrictions on things like parking or pet ownership. You’ll also need to budget for the added monthly expense of dues.
Ultimately, whether or not an HOA neighborhood is right for you depends on your personal preferences and financial situation. In Georgetown, HOA homes often retain higher resale value compared to non-HOA properties. This can make the added costs worth it in the long run.
FAQs About Property Tax and HOA in Georgetown
How much is the average HOA in Georgetown?
The average HOA fee in Georgetown is around $120 to $160 per month. However, fees can range from $70 to over $200 depending on the specific neighborhood and amenities offered.
Can your HOA fees increase?
Yes, HOA fees can increase over time to keep up with inflation and rising maintenance costs. However, any fee increases must be approved by the HOA board and are typically capped at a certain percentage each year.
Do you pay both property tax and HOA?
Yes, as a homeowner in an HOA neighborhood, you will pay both property taxes to the city and HOA dues to your association. These are separate expenses that must be factored into your overall housing budget.
Final Cost Insights for Georgetown Homeowners
As you explore homeownership costs in Georgetown, it’s important to have a clear understanding of both property taxes and HOA fees. While these expenses can add up, they also provide valuable services and amenities that can enhance your quality of life and protect your property value over time.
On average, Georgetown homeowners can expect to pay around 0.9% in property taxes and $120 to $160 per month in HOA dues. However, these costs can vary widely depending on your specific neighborhood and home value. Be sure to work with your real estate agent and lender to get a detailed breakdown of all housing expenses before making an offer.
It’s also a good idea to review the HOA bylaws and budget carefully to understand what services are included and how fees may change over time. Don’t forget to factor in hidden fees like permit costs and seasonal surcharges as well.
For a full picture of housing costs in the area, check out our guide on Housing Costs in Georgetown by Type. By doing your research and planning ahead, you can make an informed decision about whether an HOA neighborhood in Georgetown is the right fit for your budget and lifestyle.