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01-02-2024, 11:28 AM | #1 |
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Best Town to live in ?
Looking for peoples thoughts on best town to live at the Big Lake.
Contemplating moving from current location partly because of taxes. I'm retired and see most of my income going to pay real estate taxes, so this is a serious factor. I currently have property in Gilford, but no sure I can remain there ? Looking at towns that have the best ‘bang for the buck’ ! Taxes, Shopping, Restaurants, Medical, Social activities, etc I have listed the towns I am giving serious thought, not necessarily in any order: Meredith, Alton, Wolfeboro, Sanbornton, Belmont, Gilmanton, Tilton. Not interested in towns of Moultonborough Tuftonboro, Laconia, Ctr Harbor. Thanks in advance, for your feedback |
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01-02-2024, 12:00 PM | #2 |
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Think in terms more of the property.
With all that is up in the air on SWEPT and how that is all going to be solved, Gilford may be one of the better locations... just not early enough to tell. |
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Biggd (01-02-2024) |
01-02-2024, 12:07 PM | #3 | |
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If I was looking today Gilford would probably be one of the towns at the top of my list. |
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01-02-2024, 01:07 PM | #4 |
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Perspective
Perhaps a little perspective might help. I live in NJ where I pay income taxes, property taxes, and sales tax. My modest little house costs me $22,000 annually in property taxes.
My parents’ house in Alton on the water that goes back 100 years? $7800 annually and that includes the NH view tax. The value of that house is the same as mine in NJ plus I pay income tax and that pesky sales tax. If only I could move north.
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01-02-2024, 01:23 PM | #5 |
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NH doesn't have a view tax.
And Alton is one of the town's at risk under the current constitutional crisis. |
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01-02-2024, 02:51 PM | #6 |
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Yeah, NH doesn't have a view tax, but if you have a view you pay more taxes. Especially if it's of water.
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01-02-2024, 02:59 PM | #7 |
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Anything that makes a property more valuable is assessed as part of the market value process.
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01-02-2024, 03:37 PM | #8 |
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Erm, if you say so...
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01-02-2024, 03:52 PM | #9 |
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Do you see somewhere on your tax bill that it states ''view tax''?
Somewhere on your assessment? But you may have given us the perfect way to raise the $500M we need at the State level. Since everyone is complaining already about something that doesn't exist... we should give them something to complain about. |
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01-02-2024, 04:43 PM | #10 |
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Do we really NEED $500MM? Didn't the legislature cut the budget by 8% in 2009 and create a new floor for lower spending? In Chris Sununu's first term, we cut some (business) taxes and raised revenues. In the mid-teens, we eliminated taxes on NH Trusts, even for those who weren't residents and money flowed in for re-investment. Next year, we will eliminate the I & D tax and all the DRA folks who administer that program can result in lower personnel expenses, or be assigned to more "profitable" pursuits. All us retirees who need I & D income will have more money to spend.
Raising taxes to raise more money should not be the default option in a government budget process. |
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01-02-2024, 06:18 PM | #11 | |
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Well Said!
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Dan
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01-02-2024, 06:23 PM | #12 | |
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01-02-2024, 06:38 PM | #13 |
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Xanadu, it's Xanadu.
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01-02-2024, 07:06 PM | #14 | |
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If not, they need the $500M to replace the SWEPT. It isn't an increase in the budget, just the mechanism by which it is raised. |
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01-02-2024, 07:02 PM | #15 | |
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The first option the budget will need about $500M to replace SWEPT and stop the donor community situation from returning. The SWEPT would be gone, but the new mechanism would need to be in place. The Legislature would need to act to remove the mandates pushing the grants up. The second option is to keep SWEPT, accept the donor communities - their taxes would go higher; the Legislature would still need to remove the mandates pushing the grants up. The third option is to keep the SWEPT, accept the donor communities; the Legislature does not remove the mandates... but constitutionally must come up with the revenues to pay for the mandates. That all needs to be done in nearly one year. No tax rate reduction will increase revenue to the State by $500M in one year's time... that is just math. Never mind if the Legislature fails to act on the mandate dismissal and needs to raise as much as $1B So the budget process has to start with constitutionally required costs... and raise funding for at least those... That means at a bear minimum the Legislature must find $500M in revenue in other sources, I get lot of landowners to say ''I love being a donor community''. Politically both suck. |
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01-02-2024, 07:10 PM | #16 |
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Boy, did I open a Pandora's box,I just want suggested opinions on towns, I honestly didn't think the responses would go in this direction
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01-02-2024, 07:21 PM | #17 | |
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Gilford
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Remember the grass isn’t always greener…..well, you know the rest! Good luck in your search! Dan
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01-03-2024, 06:57 AM | #18 | |
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I second the opinion about the ladies at town hall. The Town Clerk, Danielle LaFond, and the entire staff are helpful and personable every time I have gone in there. They handle every transaction with the attitude that they are there to help you. Not all town halls are like that. It is the same at the Gilford recycle center. A great helpful crew. |
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01-03-2024, 07:50 AM | #19 |
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Lakes Region
The Lakes Region area has taken a real beating property-wise.
My family moved from Gilford to Laconia because of taxes since the state took over evaluation in the 80s, newspaper articles of 'view' tax, etc. abound. Now Winnisquam is taking a big hit and so is Newfound Lake! The area will soon be taken over by millionaires! We've been looking at the Rangely Lake area in Maine. It reminds me of what it was like in the Lakes Region back in the 50s, and 60s. I can see why Ralph Bayre moved back home! If you want tax relief you must get off the lake, unfortunately. While my taxes have taken a beating, the landowners that are not near a body of water are reaping the benefits of low evaluation, yet they are the ones benefiting from year-round town and state services. Just think of those families that rent in multi-family units struck gold! All the more reason why the property tax system should be replaced. Perhaps a VAT system?
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01-03-2024, 08:47 AM | #20 | |
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01-03-2024, 09:27 AM | #21 | |
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Huh??
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Maine is in the top 10 of the most tax burdened states in the entire country at a whopping 12.4%!....and if I am not mistaken their overall property tax alone is higher than NH!! Sorry, but this makes no sense... Dan
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01-03-2024, 09:58 AM | #22 |
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Not Laconia
If we had to do it over again, we would have built our home in Gilford or Meredith, not Laconia. At the time (2007/2008), my dad owned a lot in SD/LB, and it made sense. Laconia was different than it is now. That said, we greatly enjoy SD/LB, so that makes it somewhat palatable.
As well documented, Laconia has gone downhill the past 10+ years. Instead of investing in businesses to attract middle class families, Laconia has instead invested in Section 8 housing and rehab centers. Now, downtown Laconia is chock full of homeless tweekers making it unsafe, especially for women. My wife used to go on the WOW trail for walks. She would never consider using it now. Even SD/LB isn't immune from the crime. We have homeless people walking through the SD/LB property. They follow the railroad tracks, and eventually work their way to the Laconia State School. We had a homeless person attempt to break into our home in October. Thankfully, the doors were locked. |
01-02-2024, 07:48 PM | #23 | |
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Gilford has some property that is seeing assessment increases above the average, and other below the average. The properties seeing the increase above the average is having more taxation shifted to it, while the others are having less taxation shifted to them. And even with that shifting, it is about finding what size fits your personal needs and lifestyle. Gilford, Laconia, Meredith, or even Wolfeboro... it is going to be a more personal decision. |
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01-02-2024, 08:35 PM | #24 |
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After living on the seacoast for almost all my life we are happy as can be to live in Gilford. My businesses are still in Dover so I have to commute, but hate it down there. Dover has gone to hell. Talk about taxes! Gilford is very inexpensive compared to the seacoast.
You may save a few bucks living in Tuftonboro or Moultonborough, but you would be very isolated. I have tons of privacy, a killer view, and can be on my boat in 7 minutes. 10 min to a grocery store, Lowes, concerts, and various restaurants. |
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01-02-2024, 09:15 PM | #25 |
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If we were to buy again in the Lakes Region, it would likely be in Gilford. We also like Meredith, but all things considered, Gilford wins head-to-head right now.
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01-02-2024, 11:25 PM | #26 |
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From John Mercier:
"So the budget process has to start with constitutionally required costs... and raise funding for at least those... That means at a bear (sic) minimum the Legislature must find $500M in revenue in other sources, I get lot of landowners to say ''I love being a donor community''. Your basic language is wrong. The Legislature does not need to raise $500MM, they only need to allocate $500MM, if, in fact, that is the real number. ("M" is for thousand. If you want million, use "MM".) The budget year is after the even year election, i.e. 2025. 2024 is not a budget year. In most election years, about one third of the legislature turns over. Whatever spending bills are proposed for 2024 action, will be voted to be held over (and then re-filed) for a budget year. Again, I apologize to the OP for following posts that go off course. Back to best town. I pretty much grew up in Gilford and Laconia although technically not a full time resident(college, Navy). I always felt that if I were in Meredith or Alton, I had to go to Laconia/Gilford for services, or, in the case of Meredith, I had to find alternate routes in the summer. I still like Gilford. |
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01-03-2024, 12:06 PM | #27 | |
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The SWEPT is currently unconstitutional... barring any changes... the State cannot collect it come June - doesn't matter if it is a budget year. The Legislature this year would need to change to collect and redistribute with donor community, or repeal/replace. There is not $500MM (my estimate based on the current collection of the SWEPT and using a less efficient taxing mechanism) for the Legislature to cut from the expenditure of the unrestricted funds - the budget already having been past. When it does the next budget... it may tweak the expenditure to recover the nearly $1 Billion for the two year cycle that budget will represent. It may ask the stay of the courts... but they are going to expect some action on the situation rather than just pushing it off and continuing an unconstitutional situation. |
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01-02-2024, 06:20 PM | #28 | |
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01-02-2024, 07:08 PM | #29 | |
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View is gone... now see if the valuation of your property drops. |
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01-07-2024, 10:27 AM | #30 |
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I agree, it may not be called a view tax on your tax bill, but to be on the water with a view, you pay more ( a lot more) i am on the water and the house behind me pays a 1/4 of what I pay, would not have it any other way. The problem I have is I pay for the current value of my house, if I was to sell. If your not planning on selling to get that value, you are stuck.
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01-07-2024, 12:21 PM | #31 | |
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Waterfront is assessed more than non-waterfront... it is about the waterfront. |
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01-02-2024, 03:49 PM | #32 | |
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They lived in south Jersey; both worked in Philadelphia. The taxation was brutal: they paid NJ income tax, Pennsylvania income tax, and Philadelphia city income tax, plus NJ had a sales tax and a high property tax.
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01-02-2024, 04:17 PM | #33 | |
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Regarding the lake towns on your list, we've been in Meredith for 12 years and love it. The Main Street village is very quaint and is doing well, with its shops and restaurants. "Box Store" shopping is a short drive to Gilford or Tilton. Over the years, we have looked very seriously at a few places for sale in Moultonboro that would give us more house for half the tax bill, but ultimately decided not to pursue them, as going to the grocery store and back would be an hour+ excursion. So again, I would recommend don't move for the tax bill; move for the better quality of life, (if there is one). Good luck in your decision. |
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01-03-2024, 11:28 AM | #34 |
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I read the OP again, and been following the thread. It really sounds like BigDog is already in the best position. If you move someplace else because of property taxes, you might save a couple of thousand a year, but your other expenses will likely remain constant or even go up as you re-establish in a new location. A second opinion on the retirement plan might give a better perspective.
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01-03-2024, 11:58 AM | #35 |
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You really can't ''invest in businesses'' as a municipality.
Laconia has expanded the options for light industry over the years, but didn't pay attention to the effects of BPT/BET, energy, and transportation costs in the equation. Franklin learned that when the negotiations over Polyclad broke down and the decision was to relocate as many workers to plants down south and out west. We had seen the same thing just a few years before when Hadco was purchased by Sanmina - so we knew the drill. The idea to lower BPT/BET to at least equal to the lowest rates in the northeast quad was a long negotiation also. Havenstein felt an immediate drop of 2.5% would work. The math stated that dropping the rate would increase growth as an offset, but in years... not a single cycle. The thought was about 5/10th percent each budget... the proposal came out 4/10ths each budget cycle, and the Legislature finally somewhat settled on 2/10ths every cycle. There are voices in opposition, but they are easy to put down as the growth of businesses means a growth in jobs (or at least not the loss of). Laconia turned to tourism... but maybe didn't do it as well as Wolfeboro or Meredith. Which is strange, since Meredith has Rte 3 between the town retail area and the lake - a heavily travelled route. |
01-06-2024, 09:03 AM | #36 |
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That story has the makings to be a great novel!
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01-06-2024, 12:29 PM | #37 |
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If I'd had the benefit of all this experience in 1980, I probably wouldn't have bought my first property. The books on the subject make it all seem so easy. Regardless of good advice, I think you have to make some mistakes and learn some lessons on your own.
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01-07-2024, 08:27 AM | #38 |
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Bad lifestyle choices
I witnessed the same scenario in my former neighborhood. Originally a dirt road with small seasonal cottages comprised of blue-collar workers, firemen, and policemen. We would have block parties monthly, rotating from one house to the next. The kids will get together every day, swim, waterski, and board games at night. A great neighborhood full of camaraderie and trust.
Now the cottages are year-round McMansions. Everyone keeps to themselves and occasionally calls law enforcement on each other. Lots of 'keeping up with the Joneses'. Out of Staters certainly are a responsible lot.
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01-07-2024, 12:32 PM | #39 | |
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F&G must be notified in an accident involving a snowmobile or OHRV when someone is injured. The call to the PD for setting off his airhorn again and again every morning in evening... that was just foolishly bad behavior on his part. These are all still small cottages/farms on a dirt road. But other than people that don't live on the road using the road (public), it is now pretty quiet. |
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01-07-2024, 09:42 AM | #40 |
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01-07-2024, 10:23 AM | #41 | |
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Going to take a close look at 'New Hampton', as it checks all the boxes: Shopping, Close proximity to both Winnie, N.F.Lake, Laconia, Churches, etc Unfortunately, inventory in New Hampton is always low and will be a challenge. |
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01-07-2024, 10:33 AM | #42 | |
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01-07-2024, 12:53 PM | #43 | |
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01-07-2024, 04:02 PM | #44 | |
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Newfound lake 19 Minutes boat is in the water and truck is parked. Winni ( Meredith launch ) 25 Minutes boat is in the water and truck is parked. All depends on traffic. Winnisquam 40 Minutes boat is in the water and Truck is parked. Close to Everything yet Far enough away to ENJOY LIFE. However things have gone thru the roof property wise in New Hampton. More and More out of Staters have and were and are moving to New Hampton. It used to really be that small town feel that everyone was looking for. Now EVERYONE has found it. |
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01-08-2024, 07:34 AM | #45 |
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New Hampton
I second New Hampton. It is a very nice, well run town. Plus, it's namesake school is my alma mater!
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01-08-2024, 11:31 AM | #46 |
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01-08-2024, 07:57 AM | #48 | |
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Not For Everybody--But I Like it!
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"New Hampton is a town in New Hampshire with a population of 2,572. New Hampton is in Belknap County. Living in New Hampton offers residents a rural feel and most residents own their homes. Many young professionals live in New Hampton and residents tend to lean conservative. The public schools in New Hampton are above average." |
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01-08-2024, 09:20 AM | #49 |
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No wonder
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01-07-2024, 01:40 PM | #50 | |
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The grass is greener someplace else. Sure. Groton New Hampshire. The wind farms pay most of the town budget. You want lower property taxes. That's it. The rest is just blowing in the wind. |
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01-07-2024, 01:51 PM | #51 |
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Lots of shopping in and around Groton?
Easy access to the Lake Winnipesuakee? Even here in Belmont, I wouldn't consider easy access to Lake Winnipesuakee. The public ramps are in Meredith and Alton. But the lower taxes come from moving away from any lakefront and seeking a small property... pretty hard to find anywhere with decent access to Lake Winnipesaukee. Owners aren't willing to sell. |
01-07-2024, 02:44 PM | #52 |
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Low Inventory?
"If you ever decide to sell, call me first" said my neighbor. A chance meeting in our adjacent driveways, a few minutes later, a handshake and sold.
Real estate agents and flippers routinely farm areas looking to buy houses that are "not on the market". low percentages, but it works. I often get mail offers to buy non-owner occupied properties. Find a neighborhood you like and check the tax cards to see which properties are not owner occupied, or were bought a long long time ago. Even owner occupied, you can offer something for a right of first refusal. Neighbors talk to neighbors and something else in the area might pop up. Waiting for the perfect house to come onto MLS may never bear fruit. |
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