True Cost Analysis · Del Webb Maygrass
What Del Webb Maygrass Really Costs Over 10 Years
The sticker price is the smallest part of the decision. Here is the full carrying cost — taxes, HOA, insurance — modeled across a decade, with the resort-amenity premium made visible.
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Talk to a Specialist →The assumptions we are using
We model a mid-tier Maygrass ranch at a $475,000 purchase price, owned for ten years, in a Plain City–area taxing district. We assume property valuations grow modestly, Ohio’s county reappraisal cycle nudges taxable value upward, and the Del Webb HOA escalates at a typical association rate. These are planning estimates to set expectations — not a quote, and not a substitute for the actual figures on a specific lot.
Why a 10-year frame? Most active-adult buyers hold 8–12 years before a second move (to be closer to family, to a smaller home, or to care). The decade view is where the HOA premium and tax escalation actually show up — a single year hides both.
Year-one cost breakdown
| Component | Monthly | Annual |
|---|---|---|
| Property tax (≈1.7% effective) | $673 | $8,075 |
| Del Webb HOA | $335 | $4,020 |
| Homeowners insurance | $140 | $1,680 |
| Carrying cost (excl. mortgage/utilities) | $1,148 | $13,775 |
The 10-year projection
Assuming roughly 2.5% annual growth in the tax bill, 3% annual HOA escalation, and 4% insurance creep, the carrying cost compounds. The point is not the precise dollar — it is the trajectory.
| Year | Property tax | HOA | Insurance | Year total |
|---|---|---|---|---|
| 1 | $8,075 | $4,020 | $1,680 | $13,775 |
| 3 | $8,484 | $4,265 | $1,817 | $14,566 |
| 5 | $8,913 | $4,524 | $1,965 | $15,402 |
| 10 | $10,083 | $5,245 | $2,391 | $17,719 |
| 10-yr cumulative | $91,000 | $46,100 | $20,300 | ~$157,400 |
Over ten years you will spend roughly $157,000 in carrying costs alone on a $475k Maygrass home — before a single mortgage payment or utility bill. That is the number to weigh against the lifestyle, not the purchase price.
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The resort-amenity premium, isolated
The fairest way to judge Maygrass is to separate what you pay for the amenities from what you pay for the house. A comparable Epcon Courtyards home in Franklin County carries an HOA closer to $225–$250 a month. Maygrass’s ~$335 reflects the staffed clubhouse, two pools, and lifestyle programming.
| HOA scenario | Monthly | 10-yr (with escalation) |
|---|---|---|
| Del Webb Maygrass (resort) | $335 | ~$46,100 |
| Typical Epcon Courtyards | $235 | ~$32,300 |
| Premium for the resort package | $100 | ~$13,800 |
Roughly $13,800 over ten years buys you the indoor pool, the lifestyle director, the fitness studio, and the clubs. If you will use them weekly, that is a bargain compared to private gym and club memberships. If you would mostly admire them from the parking lot, the Epcon alternative puts that money back in your pocket.
Two tax levers that change this math
First, the 65+ homestead exemption can shave several hundred dollars a year off the property tax line if you qualify on income. Second, if you are a military retiree, Ohio’s 100% exemption on military retirement pay means your pension never enters the state income tax calculation — a meaningful annual saving that has nothing to do with the house but everything to do with your Ohio budget. See the Ohio retirement income tax guide for how the pieces fit.
Want this modeled on your actual budget?
Send us the home tier and your tax-exemption status and we will build the real 10-year projection for you.
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