08/05/2026
Most people relocating here are shocked by our property taxes. There’s more than one kind, and they don’t work the same way.
MUD is a separate taxing district with its own rate. Because it’s a rate, it scales with your assessed value.
PID is not a rate. It’s a flat assessment tied to your lot. Usually escrowed monthly, but it can be paid off at closing, anywhere from four thousand to eighty thousand depending on the subdivision. Paying it off doesn’t always make sense.
HOA isn’t a tax, but your lender still counts it in your debt to income. Higher dues, less house.
If you asked which one I’d rather have, I’d take the PID vs MUD. Not because it’s cheaper. Because it’s flat, and you know what you’re paying in year eight. A MUD rate does drop as bonds get paid off, but that’s a decades-long timeline while your value climbs the whole time. You can’t budget around eventually.
For veterans, this one matters most. 100% disabled veteran exemption applies to the MUD, because that’s a tax. It does not apply to the PID, because that’s an assessment. Ask before you’re under contract.
The disclosure is required and it’s in your paperwork. A sales rep will wave it off as something you can’t change anyway. True. That’s exactly why it matters. You’re locking it in the day you sign.
Save this if you’re moving to the area. And bring a realtor, especially on new construction. We love our sales reps, but they represent the builder. They don’t owe you the fiduciary duty your own agent does.
