I live in Nature’s Wonderland. The summers are not too hot and there are no traffic lights. I’m near the lake and the forest surrounds me. I’m closer to Tahoe and I can go to Placerville whenever I want for food and fun. It doesn’t usually get over 100 in Pollock. Placerville is too hot for me. Yes I get snow in Pollock but I’m usually inside and prepared for it. I love Placerville!!! It’s my favorite town. It’s amazing! Thanks for your video. I really enjoyed it! Also another plus, everyone loves dogs. You can basically take your dog almost everywhere in town and everyone will stop to pet your dog. It’s not like the city. Almost everyone has a dog here. If your dog goes missing, the whole town is looking for your dog pretty much. At least that’s how it is in Pollock. You will see updates on the community board for pretty much everything: a stranger in your area, a bear came by, where’s my cat, who’s dog is this, what’s going on with that wildfire, what contractor should I use, who’s dog is barking, etc. Small town neighborhoods are united! The level of community interaction you will find yourself in is really beautiful. I feel part of something. It’s not like that in the city.
Yes all of that is what I love about living here too. I did another video on the pros and cons of living in Pollock Pines and you just listed off a lot of the points I make in that video about what's great about Pollock. Thanks for watching!
Thanks so much for the great video! We loved all the information. Your “maybe” a pro or con that you run into people you know is epic! We are hyper social so love that!
Glad you found the information helpful! And yes there are a lot of benefits to small town life, we love it for our kids, there's always someone watching out for you. Feel free to DM me or give me a call if you need more specific information on relocating here and if there is any other topics about Palcerville or the surrounding western slope of the Sierras that you would find valuable post it here and I'll do a video on it for you!
A lot of shopping need I can take care of in Placerville & EDC. With the departure of Office Max, Walgreens & other stores, we’re being forced online or down to Sac.
Thanks for watching! Yeah closures are tough. Office max was a big loss for someone like me that runs a small business but I've been able to source my printer ink and small computer cables I need from other local businesses. And we still have tow rite aids and a safeway and Robinsons for Pharmacy needs so we have been able to work around those ones and haven't been forced to Sac for those but we do have to go down there for some things, that's life in the foothills. We do have an America's Tires coming in Placerville which will be good and a Costco coming to El Dorado Hills which will be nice not to have to deal with East Bidwell Traffic to hit Costco.
Fyi..we moved here in 91..from Fairfield to Grizzly Flats...now in Diamond. My comment on this, STOP asking more people to move here! In 91 only about 10 cars came through D.S am and pm( workers from G.F., Summerset ect.) In last 10 yrs its turned into a frwy. Line starts at 6a and clears about 8:30 same event in afternoon return traffic. Look at El Hills, Cmpk...you claim to be outdoors guy but promote city congestion. YOUR REAL POINT make money from selling off our county, so spare us your b.s.
I noticed you mentioned ,Hangtown Hardware! I lived there quite awhile! Hangtown Hardware was half on one side(The Mountain Democrat). The oldest newspaper in California ! My children still live there,it is a amazing place!
We have marshall hospital right in town with a full suite of diagnostics and then a bunch of in network Marshall GP's right around the hospital. My doctors office is actually in the same parking lot as the hospital. Most everything from check ups to run of the mill diagnostics to surgery can be done in town here. Sometimes you might use the offsite surgery or diagnostic centers in Cameron Park just 15 minutes down the hill and if you get into anything more extensive there is of course extensive UC Davis medical infrastructure in Sacramento just 40 minutes down the hill. This area actually has very good access to health care.
Thank you for this video. I don't know much about the area despite the fact that my family lived in Diamond Springs when I was 1 - 5 years old (on Missouri Flat Road). I'm retiring (from the Bay Area) in 3 years and looking for the perfect place to do that. I have family in Sacramento, so that's a plus. My worry is cold Winters, since I'm not getting any younger. I've never driven in snow and don't think the age to learn is 65! LOL! I also don't want to be shoveling snow when I'm 80. Is that a concern?
That's a great question. That will be a concern in some of our communities but not in most of Placerville. If you are in Pollock Pines or Camino, driving in snow, shoveling snow and living with snow will be a part of your life and a big part of it in Pollock Pines so based on what you are saying I wouldn't recommend those communities for you. In Placerville we only get snow a few times a year and it's usually not very much at all. Once a year maybe we get a big dump that is inconvenient for a day or two and for the most part you just stay home and let it melt off especially if you are retired. Some winters there's nearly no snow because most of Placerville is at 1,800 - 2,000 feet and snowline here is about 3,000 foot elevation. There is a small chunk of Placerville that circles around and touches Pollock Pines out past the lake on Sly Park road and that area can get a little more snow but for the most part if you are in Placerville you will get just enough snow to be pretty but not enough to be inconvenient. If you want no snow then you can check out Cameron Park or Coloma / Lotus or El Dorado Hills. On my channel I have a pros and cons of cameron park video and a pros and cons of El Dorado Hills and Pollock Pines (very snowy) if you want to get a sense of those communites. I have some upcoming videos comparing Folsom to el Dorado hills, and Placerville to Pollock Pines etc... to help you decide where is right for you so subscribe if you want to catch those and let me now if you have any other questions!
Yes you are correct and this is a huge issue statewide and I do address this in other videos like the cost of living in Placerville and 11 things you need to know before moving to El Dorado County and my town vs. town comparison videos. Even with the challenges we do have excellent local insurance fixers who can get just about anything done but the premium prices are quite high and have to be factored in to your payments to truly determine if your home of choice here will be affordable for your family. This is why getting an insurance quote is one the first things you should do once you identify your home of choice. As a baseline I tell my clients to assume $5,000 - $6,000 annual insurance premiums at a minimum when estimating their payments online or with their lender. This is another reason to be sure to get a local lender referral from me because they will know the local insurance issues and will use an appropriate amount when giving you an estimated payment. If you are buying a large home or expensive home the annual premiums can quickly get north of $10,000.
@@RichCurtisrealtor wow! How do people afford that? Thanks for the information. Was just there. Love the area to retire but not sure about paying those premiums. It would be nice if legislators got involved with these rates for better affordability
Yeah Absolutely it's a big challenge and I think a legislative solution is likely the only way we will get some relief from it. It is honestly hardest on the locals that already live here and get there insurance dropped and then have to all of a sudden pay a much higher bill and so their monthly bills go way up. For the most part everyone has been hit by now and has adjusted but it can be really hard especially for our elderly population on social security. The good news is that anyone moving here now, knows up front, as long as they are working with a good local realtor and has the chance to evaluate the affordability of the community and the insurance premiums before making their decision, which is much better! Also with our homes just being so dramatically cheaper here than most places in the state and the ability for people to port their previous low property taxes over to our county once in retirement, El Dorado County is one of the best places value for money wise to retire in the state of California, especially for those on a fixed income.
Yes schools are so important for families moving to El Dorado County. The short answer is schools are great here. Our traditional public schools all have high scores and great rankings on www.greatschools.org Also I did an entire video on 12 things parents should know before moving to El Dorado County that you can watch here: th-cam.com/video/bAhFsW9PWx8/w-d-xo.htmlsi=C_120qDN-dSbK72Z There are time codes in the description and at time code 5:43 I talk about the great schools here and at time code 8:31 I talk about he abundance of Home School opportunities and pods here and at 9:07 I talk about the lack of alternative school options but mention the few great ones we do have. If you need more info feel free to DM me or call via the phone number in the description of any of my videos and I'd be happy to give you more information and guidance on our schools up here. Do you need Elementary info, middle school or high school info?
You Are right it gets hot! Use to hang at rock creek after work daily with no ac is how i made it through summer. I lived on bedford ave in a old studio cabin that was over a 100yrs old the rent was 150. A month in 1984. I wonder if it still stands? Lived most my life there. It prepared me 4 spirit lake id. Thanx for taking me back home 4 a moment!
Glad it brought back memories and I'm sure that studio is still there. Everything in historic downtown is probably very much like it was when you left. All of those 100+ year old homes still get sold today. Over the last 20 years I've sold a bunch of them and they are so cool and quirky and charming.
I suspect that your EID bill is for water only. If you’re on a septic tank & leach field, you don’t pay for sewer. I pay over $400 every other month in a 1,200 square foot townhouse in Diamond Springs.
Running into a old school mate would be a positive compared to Running into gang members like what happens in the city im a introvert because ppl suck❤🎉😮😊
Please let people know that 95% of us in the rural area can’t get homeowners insurance. We have to use California Fair Plan and a secondary insurance. Its bad.
Thanks for watching and for the thoughtful comment! I do address this in many other videos and of course have to deal with it on a daily basis. I have not yet had any clients not be able to get homeowner's insurance but year after year more and more end up on the fair plan and having very high insurance costs. This particular video is more focussed on people moving here from out of town rather than locals and the fire insurance issue is much harder for us that already live here than for families moving here. For us who live here we had our housing costs fixed in place and then our insurance went from $1,300 a year to $5,000 or $9,000 or in some horrendous cases $10,000 - $12,000 a year and that has hurt so many people in our county especially our lower income families or elderly retired families on a fixed income. It is truly outrageous that we have had to deal with that and I fear it won't really get rectified until there is a legislative solution handed down from Sacramento. For the purposes of this video however, most of our families relocating here come from the Bay Area or LA and with homes here costing 1/3 of what they do in those markets the cost of the fire insurance is a relative non issue for them. It's still annoying and frustrating but isn't budget busting like it is for the locals because even at the high end of the cost of insurance somone buying a home in Placerville will be paying less than half on a monthly mortgage than they would to buy a home in San Jose and have to put so much less money down that it might still be annoying to them but we still represent such a tremendous value for money that it doesn't matter much. I had another bay area viewer ask on a different video if the difference in property taxes can offset the cost of fire insurance and do to the cost of homes it more than does. My response to their question is below but in it you can see the financial breakdown as to why this issue really effects us that live here far more than those that move in. If you ever have any insurance issues or a particularly challenging property to insure please reach out to me. I have a great insurance fixer and she can almost always get insurance for any property. My phone number and email are in the description of all my videos and I'm always happy to help our community with this ongoing hazard insurance issue! Here is the response with the math on how our home prices offset the cost of insurance for relocation clients: The property taxes are the same across the entire state due to an amendment to the California constitution passed in 1978 called Prop 13. Prop 13 established that the state cannot charge more than 1% of the purchase price the year you purchase the home which then establishes that as your base year value. After that they can reassess the property for tax purposes but may only increase your tax assessment by no more than 2% per year. There are some caveats to that like if you pull permits and do a major remodel then they can reassess. But for the most part it's 1% of the purchase price and then a raise of no more than 2% thereafter. They can tack on voter approved special assessment taxes and they do have those almost everywhere and then there are other things like mello roos taxes that you find in new construction communities. If you are in an area without Mello roos, for example for the most part you don't have mello roos taxes in Placerville you can ballpark your property taxes on any given property at 1.25%. For the most part that will give enough buffer to cover any special assessments like $30 for the library, $50 for the school, $100 for the firefighters etc... Right now in Placerville the median home price is $516,000 so you can ballpark your taxes on home of that value at $6,450 per year or $537.50 per month tacked on to your mortgage payment. So in that regard the tax "rate" is no different than the bay area, what offsets the cost of insurance here is the fact that homes cost 1/3 of what they do in the bay area. While the median home price in Placerville is $516,000 the median home prices range from $1.4 Million say in San Jose or $1.7 Million around San Francisco. So if you buy a home in San Jose at the median $1.4 million your tax burden would be $17,500 per year or $1,458.33 per month added to your mortgage payment. Now your homeowner's insurance may only be $2,500 a year or so on that home, although it is worth noting there are places in the bay area where the fire insurance is just as bad like the Oakland Hills. In placerville it will likely be $6,00 to $9,000 annually for insurance. Taking even the high end at $9,000 that means if you buy a median home in Placerville the amount added to your mortgage for taxes and insurance is $1,287.50 per month. In San Jose at the median home value it would be $1,666.66. You still come out $379 per month ahead in Placerville just on taxes and insurance. Assuming 20% down at todays rates of around 6.5% the $1.4 million dollar home in San Jose would cost you $176,800 more in down payment than the Placerville home and your monthly payment would be $8,745. Bare in mind these are estimates not set in stone because they don't take into account lots of things like borrowers credit score etc, but the ballpark estimates help to see the difference. Your payment on the median home in Placerville would be $3,896 and that's assuming a very high fire insurance cost. The Placerville home will cost you $4,849 less per month. At $3,896 that's less than half what the San Jose house costs per month. So although the costs of fire insurance are high and frustrating here, they really aren't an issue for value if you are moving here from almost anywhere else in California because the home prices here are so low comparatively. Where the insurance costs have really caused a lot of harm are to the locals, especially low income or elderly families that had their housing costs fixed and then their insurance rates go from $1,300 a year to $6,000 a year and it absolutely blows their budget and wreaks havoc on their finances, it has done a lot of damage that way. But if you are moving here from the bay area, you are saving so much money on housing that the cost of the fire insurance is negligible. I hope that helped, let me know if you have any other questions!
I live in Nature’s Wonderland. The summers are not too hot and there are no traffic lights. I’m near the lake and the forest surrounds me. I’m closer to Tahoe and I can go to Placerville whenever I want for food and fun. It doesn’t usually get over 100 in Pollock. Placerville is too hot for me. Yes I get snow in Pollock but I’m usually inside and prepared for it. I love Placerville!!! It’s my favorite town. It’s amazing! Thanks for your video. I really enjoyed it! Also another plus, everyone loves dogs. You can basically take your dog almost everywhere in town and everyone will stop to pet your dog. It’s not like the city. Almost everyone has a dog here. If your dog goes missing, the whole town is looking for your dog pretty much. At least that’s how it is in Pollock. You will see updates on the community board for pretty much everything: a stranger in your area, a bear came by, where’s my cat, who’s dog is this, what’s going on with that wildfire, what contractor should I use, who’s dog is barking, etc. Small town neighborhoods are united! The level of community interaction you will find yourself in is really beautiful. I feel part of something. It’s not like that in the city.
Yes all of that is what I love about living here too. I did another video on the pros and cons of living in Pollock Pines and you just listed off a lot of the points I make in that video about what's great about Pollock. Thanks for watching!
Gateway has a very nice ring 💍 👌 to it🎉❤🎉❤🎉❤😮😊
Thanks so much for the great video! We loved all the information. Your “maybe” a pro or con that you run into people you know is epic! We are hyper social so love that!
Glad you found the information helpful! And yes there are a lot of benefits to small town life, we love it for our kids, there's always someone watching out for you. Feel free to DM me or give me a call if you need more specific information on relocating here and if there is any other topics about Palcerville or the surrounding western slope of the Sierras that you would find valuable post it here and I'll do a video on it for you!
We drove through your quaint town a few years ago as we made our way to Oregon from Southern California.
Old hangtown is pricless I live here and have grown up in the county❤❤❤🎉🎉🎉😮😊
A lot of shopping need I can take care of in Placerville & EDC. With the departure of Office Max, Walgreens & other stores, we’re being forced online or down to Sac.
Thanks for watching! Yeah closures are tough. Office max was a big loss for someone like me that runs a small business but I've been able to source my printer ink and small computer cables I need from other local businesses. And we still have tow rite aids and a safeway and Robinsons for Pharmacy needs so we have been able to work around those ones and haven't been forced to Sac for those but we do have to go down there for some things, that's life in the foothills. We do have an America's Tires coming in Placerville which will be good and a Costco coming to El Dorado Hills which will be nice not to have to deal with East Bidwell Traffic to hit Costco.
Fyi..we moved here in 91..from Fairfield to Grizzly Flats...now in Diamond. My comment on this, STOP asking more people to move here! In 91 only about 10 cars came through D.S am and pm( workers from G.F., Summerset ect.) In last 10 yrs its turned into a frwy. Line starts at 6a and clears about 8:30 same event in afternoon return traffic. Look at El Hills, Cmpk...you claim to be outdoors guy but promote city congestion. YOUR REAL POINT make money from selling off our county, so spare us your b.s.
I could have sworn you just said narley😮❤🎉❤🎉❤🎉😊
Gateway to Adventure!
I noticed you mentioned ,Hangtown Hardware! I lived there quite awhile! Hangtown Hardware was half on one side(The Mountain Democrat). The oldest newspaper in California ! My children still live there,it is a amazing place!
Thanks for watching! It really is, I absolutely love it here!
Brilliant discussion of all those 5 and 5, but MAYBE just knocked it out of the park.
Thank you and thanks for watching!
Omg was that Rick fox the old ball player in the first hot video?
As we get older, what about the medical care/facilities for the usual check ups ??
We have marshall hospital right in town with a full suite of diagnostics and then a bunch of in network Marshall GP's right around the hospital. My doctors office is actually in the same parking lot as the hospital. Most everything from check ups to run of the mill diagnostics to surgery can be done in town here. Sometimes you might use the offsite surgery or diagnostic centers in Cameron Park just 15 minutes down the hill and if you get into anything more extensive there is of course extensive UC Davis medical infrastructure in Sacramento just 40 minutes down the hill. This area actually has very good access to health care.
Thank you!
@@Steveleanr You are most welcome! Are you considering Placerville for retirement?
Thank you for this video. I don't know much about the area despite the fact that my family lived in Diamond Springs when I was 1 - 5 years old (on Missouri Flat Road). I'm retiring (from the Bay Area) in 3 years and looking for the perfect place to do that. I have family in Sacramento, so that's a plus. My worry is cold Winters, since I'm not getting any younger. I've never driven in snow and don't think the age to learn is 65! LOL! I also don't want to be shoveling snow when I'm 80. Is that a concern?
That's a great question. That will be a concern in some of our communities but not in most of Placerville. If you are in Pollock Pines or Camino, driving in snow, shoveling snow and living with snow will be a part of your life and a big part of it in Pollock Pines so based on what you are saying I wouldn't recommend those communities for you. In Placerville we only get snow a few times a year and it's usually not very much at all. Once a year maybe we get a big dump that is inconvenient for a day or two and for the most part you just stay home and let it melt off especially if you are retired. Some winters there's nearly no snow because most of Placerville is at 1,800 - 2,000 feet and snowline here is about 3,000 foot elevation. There is a small chunk of Placerville that circles around and touches Pollock Pines out past the lake on Sly Park road and that area can get a little more snow but for the most part if you are in Placerville you will get just enough snow to be pretty but not enough to be inconvenient. If you want no snow then you can check out Cameron Park or Coloma / Lotus or El Dorado Hills. On my channel I have a pros and cons of cameron park video and a pros and cons of El Dorado Hills and Pollock Pines (very snowy) if you want to get a sense of those communites. I have some upcoming videos comparing Folsom to el Dorado hills, and Placerville to Pollock Pines etc... to help you decide where is right for you so subscribe if you want to catch those and let me now if you have any other questions!
Fire insurance rates are very very high in placerville and few insurance companies who will insure due to
Wildfires. Just FYI.
Yes you are correct and this is a huge issue statewide and I do address this in other videos like the cost of living in Placerville and 11 things you need to know before moving to El Dorado County and my town vs. town comparison videos. Even with the challenges we do have excellent local insurance fixers who can get just about anything done but the premium prices are quite high and have to be factored in to your payments to truly determine if your home of choice here will be affordable for your family. This is why getting an insurance quote is one the first things you should do once you identify your home of choice. As a baseline I tell my clients to assume $5,000 - $6,000 annual insurance premiums at a minimum when estimating their payments online or with their lender. This is another reason to be sure to get a local lender referral from me because they will know the local insurance issues and will use an appropriate amount when giving you an estimated payment. If you are buying a large home or expensive home the annual premiums can quickly get north of $10,000.
@@RichCurtisrealtor wow! How do people afford that? Thanks for the information. Was just there. Love the area to retire but not sure about paying those premiums. It would be nice if legislators got involved with these rates for better affordability
Yeah Absolutely it's a big challenge and I think a legislative solution is likely the only way we will get some relief from it. It is honestly hardest on the locals that already live here and get there insurance dropped and then have to all of a sudden pay a much higher bill and so their monthly bills go way up. For the most part everyone has been hit by now and has adjusted but it can be really hard especially for our elderly population on social security. The good news is that anyone moving here now, knows up front, as long as they are working with a good local realtor and has the chance to evaluate the affordability of the community and the insurance premiums before making their decision, which is much better! Also with our homes just being so dramatically cheaper here than most places in the state and the ability for people to port their previous low property taxes over to our county once in retirement, El Dorado County is one of the best places value for money wise to retire in the state of California, especially for those on a fixed income.
What about schools?
Yes schools are so important for families moving to El Dorado County. The short answer is schools are great here. Our traditional public schools all have high scores and great rankings on www.greatschools.org
Also I did an entire video on 12 things parents should know before moving to El Dorado County that you can watch here:
th-cam.com/video/bAhFsW9PWx8/w-d-xo.htmlsi=C_120qDN-dSbK72Z
There are time codes in the description and at time code 5:43 I talk about the great schools here and at time code 8:31 I talk about he abundance of Home School opportunities and pods here and at 9:07 I talk about the lack of alternative school options but mention the few great ones we do have.
If you need more info feel free to DM me or call via the phone number in the description of any of my videos and I'd be happy to give you more information and guidance on our schools up here.
Do you need Elementary info, middle school or high school info?
Thank you. That’s a big help considering we might be relocating there due to work.
Well you kids won't need to join a gang right away to survive like city schools if this is what your asking. 😮😊
You Are right it gets hot! Use to hang at rock creek after work daily with no ac is how i made it through summer. I lived on bedford ave in a old studio cabin that was over a 100yrs old the rent was 150. A month in 1984. I wonder if it still stands? Lived most my life there. It prepared me 4 spirit lake id. Thanx for taking me back home 4 a moment!
Glad it brought back memories and I'm sure that studio is still there. Everything in historic downtown is probably very much like it was when you left. All of those 100+ year old homes still get sold today. Over the last 20 years I've sold a bunch of them and they are so cool and quirky and charming.
Wow! I currently live on Bedford Ave. in a 120 year old converted apartment house! The history here is so cool! I love Placerville! 🥰🌲🏞️
I live in south sacramento i had no idea that was the placerville slogan! Ugh!😂😂😂😂
Yeah they finally have take that off the sign but I'm still pulling for "The gateway to adventure!"
My water bill is 80 a month for a family of 4 and in eid.
That's a really good water bill for here, nice work!
I suspect that your EID bill is for water only. If you’re on a septic tank & leach field, you don’t pay for sewer. I pay over $400 every other month in a 1,200 square foot townhouse in Diamond Springs.
Running into a old school mate would be a positive compared to Running into gang members like what happens in the city im a introvert because ppl suck❤🎉😮😊
You forgot the con of they have the best pot stores in a 200 mile radius!!!!
Please let people know that 95% of us in the rural area can’t get homeowners insurance. We have to use California Fair Plan and a secondary insurance. Its bad.
Thanks for watching and for the thoughtful comment!
I do address this in many other videos and of course have to deal with it on a daily basis. I have not yet had any clients not be able to get homeowner's insurance but year after year more and more end up on the fair plan and having very high insurance costs. This particular video is more focussed on people moving here from out of town rather than locals and the fire insurance issue is much harder for us that already live here than for families moving here. For us who live here we had our housing costs fixed in place and then our insurance went from $1,300 a year to $5,000 or $9,000 or in some horrendous cases $10,000 - $12,000 a year and that has hurt so many people in our county especially our lower income families or elderly retired families on a fixed income. It is truly outrageous that we have had to deal with that and I fear it won't really get rectified until there is a legislative solution handed down from Sacramento.
For the purposes of this video however, most of our families relocating here come from the Bay Area or LA and with homes here costing 1/3 of what they do in those markets the cost of the fire insurance is a relative non issue for them. It's still annoying and frustrating but isn't budget busting like it is for the locals because even at the high end of the cost of insurance somone buying a home in Placerville will be paying less than half on a monthly mortgage than they would to buy a home in San Jose and have to put so much less money down that it might still be annoying to them but we still represent such a tremendous value for money that it doesn't matter much. I had another bay area viewer ask on a different video if the difference in property taxes can offset the cost of fire insurance and do to the cost of homes it more than does. My response to their question is below but in it you can see the financial breakdown as to why this issue really effects us that live here far more than those that move in.
If you ever have any insurance issues or a particularly challenging property to insure please reach out to me. I have a great insurance fixer and she can almost always get insurance for any property. My phone number and email are in the description of all my videos and I'm always happy to help our community with this ongoing hazard insurance issue!
Here is the response with the math on how our home prices offset the cost of insurance for relocation clients:
The property taxes are the same across the entire state due to an amendment to the California constitution passed in 1978 called Prop 13. Prop 13 established that the state cannot charge more than 1% of the purchase price the year you purchase the home which then establishes that as your base year value. After that they can reassess the property for tax purposes but may only increase your tax assessment by no more than 2% per year. There are some caveats to that like if you pull permits and do a major remodel then they can reassess. But for the most part it's 1% of the purchase price and then a raise of no more than 2% thereafter.
They can tack on voter approved special assessment taxes and they do have those almost everywhere and then there are other things like mello roos taxes that you find in new construction communities. If you are in an area without Mello roos, for example for the most part you don't have mello roos taxes in Placerville you can ballpark your property taxes on any given property at 1.25%. For the most part that will give enough buffer to cover any special assessments like $30 for the library, $50 for the school, $100 for the firefighters etc...
Right now in Placerville the median home price is $516,000 so you can ballpark your taxes on home of that value at $6,450 per year or $537.50 per month tacked on to your mortgage payment. So in that regard the tax "rate" is no different than the bay area, what offsets the cost of insurance here is the fact that homes cost 1/3 of what they do in the bay area. While the median home price in Placerville is $516,000 the median home prices range from $1.4 Million say in San Jose or $1.7 Million around San Francisco.
So if you buy a home in San Jose at the median $1.4 million your tax burden would be $17,500 per year or $1,458.33 per month added to your mortgage payment. Now your homeowner's insurance may only be $2,500 a year or so on that home, although it is worth noting there are places in the bay area where the fire insurance is just as bad like the Oakland Hills. In placerville it will likely be $6,00 to $9,000 annually for insurance.
Taking even the high end at $9,000 that means if you buy a median home in Placerville the amount added to your mortgage for taxes and insurance is $1,287.50 per month. In San Jose at the median home value it would be $1,666.66. You still come out $379 per month ahead in Placerville just on taxes and insurance.
Assuming 20% down at todays rates of around 6.5% the $1.4 million dollar home in San Jose would cost you $176,800 more in down payment than the Placerville home and your monthly payment would be $8,745. Bare in mind these are estimates not set in stone because they don't take into account lots of things like borrowers credit score etc, but the ballpark estimates help to see the difference. Your payment on the median home in Placerville would be $3,896 and that's assuming a very high fire insurance cost. The Placerville home will cost you $4,849 less per month. At $3,896 that's less than half what the San Jose house costs per month.
So although the costs of fire insurance are high and frustrating here, they really aren't an issue for value if you are moving here from almost anywhere else in California because the home prices here are so low comparatively. Where the insurance costs have really caused a lot of harm are to the locals, especially low income or elderly families that had their housing costs fixed and then their insurance rates go from $1,300 a year to $6,000 a year and it absolutely blows their budget and wreaks havoc on their finances, it has done a lot of damage that way. But if you are moving here from the bay area, you are saving so much money on housing that the cost of the fire insurance is negligible.
I hope that helped, let me know if you have any other questions!