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So ive asked a great deal of quetsions concerning NY, (gave my best answers out each time) ive seen that indiana pays a pretty high % in tax. and im floored that about 20k of my pay will go to taxes each year.. yea ill make 90k in indiana compared to 70k here in FL.. but in indiana we pay no state, or city or food tax..ONLY fed tax so it seems in the end AFTER the expensive rent in NY, id actually live better and nicer in indiana but im wondering HOW DO YOU NY'ERS DO IT?!?! how do you survive on your income and pay all those taxes.... and afford to have a life as well.. i could buy a house on the beach a HUGE BEAUTIFUL house on a beach.. for 800k, about the same as one of those ridgewood queens building. or a HUGE house for 400k, the brice of a condo in NY.. is living in the BIG APPLE really worth not having a nice house.. or a place to call your own?! (owning a house) i want to be a home owner.. in indiana preapproved for a personal loan of 150k which is enough for a down payment but whats up wtih PROPERTY TAX..is it that bad?
To the 3rd post down, hey im sorry i didnt mean for it too offend you if it did, i absolutely love newyork and despite the higher taxes as soon as i get out of college i am going, i have visited the city and its boroughs enough to know THAT is the life i want, if anything i was joking when saying HOW COULD LIVING indiana THE CITY BE WORTH THE HOUSE, of course everyone is different, with different wants and needs and views adn opinions, i respect that i myself wouldnt want a beach house ive always loved the fast pace city life and NYC. Also i would have no issue paying taxes for teaches and schools things like that its helping the community the generations to come i agree people SHOULD pay taxes. all i was saying was the amount of taxes paid in indiana state,city + fed was over the amount paid in FL, only fed
There are more in demand, high paying jobs in New York as opposed to other parts of the US. Depending on your income it is completely possible to have a decent home, pay your taxes on time (even if money is a little tight around April every year) and live a happy life. If we lived in a different state we most likely would make less money each year and therefore be in the same financial situation but pay less on our taxes. New York is the best, we wouldn't want to live anywhere else.
Sorry, but your question, if you re-read it, is a little incoherent and I'm going to ignore the confrontational tone you're taking in your question and try to give you an answer. A lot of New Yorkers own their homes and have lives that suit them perfectly fine. Just because it's not your idea of a life doesn't mean it's not worth living. Many of us could buy in Florida, but that would mean we'd have to live in Florida...pass thanks. (Sorry, couldn't resist the barb.) And until you actually own a home, you have no idea what it's like. I rented for a long time and until I bought a home, I didn't understand the downside of owning. That's not to say if I had a choice I'd go back to renting, I wouldn't. But when you own your own home, you are responsible for the maintenance whereas in an apartment, it's built into your rent. Sometimes, that can get pretty expensive...trust me...they don't call them money pits for nothing. Personally, my property tax isn't that bad on a two family home in the city. If you're familiar with New York, Long Island residents pay about three times as much in property taxes as city property owners do. As for the rest of the taxes, it's not so much how much we pay that's at issue but the standard of living. I only have one example to go on, but when my aunt moved to Florida, her job there, which was comparable to the one she had in New York, paid less. It all evened out because her living expenses were lower in Florida. A house on the beach probably appeals to you because that is what you want. You're probably a different personality type. I couldn't live on a beach..it's just not my thing and I think the same goes for most people who live voluntarily in cities. All in all it just depends on what you want and what you have access to.
First of all, while there is a local income tax, on top of indiana State income taxes, and while there is a local sales tax, on top of indiana State sales tax, property taxes are relatively low. That is because we choose not to fund the bulk of our City government, and not to fund our school system at all, through property taxes, unlike most localities. The income tax part of it is a good thing. This means that property taxes will not skyrocket when property values go up, because of neighborhood changes that have nothing to do with the inherent value of a person's property. For example, an elderly person in NYC who has lived in the same home for 50 years does not see a dramatic rise in property taxes just because the neighborhood is now "hot" and the cost of buying a home in that part of town has skyrocketed. Sales tax is more regressive. I don't know what to say about sales tax. I wish it WERE lower and I for one would pay a higher rate of income tax to off-set getting rid of sales tax, because I think sales taxes are awful - they disproportionately effedt the poor who pay a larger percentage of their income in sales tax. However, politicians seem addicted to raising sales taxes, because people are less aware of paying them! The good news is that clothing under $110 can be purchased tax free. That's the best news I can come up with. Oh, and the one thing I left out about property taxes is that it isn't assessed very fairly here - some older housing in certain neighborhood have lower property taxes by square foot than some newer housing in other neighborhoods. That's not fair, but at least it's far lower than many other communities. I know when I compare the amount of property tax I pay on my house to what people pay in, say, New Jersey, we pay a fraction of what they do! Oh, and one last thing - I'm a City employee, and my salary is paid by City taxes. I'm a teacher, and I see the good that taxes do. I do NOT resent paying taxes. They are necessary to run our City in a civilized way. This may not be a popular opinion, but it has always been my opinion, and I'm sticking to it!
Wrong section, babe. Half of us at P&S are teens and the other half aren't here to actually help!