GREENWOOD · JOHNSON COUNTY · 10-YEAR COST ANALYSIS

Sagebriar by Del Webb: The Real Total Cost

The lowest Del Webb price point with full amenity access — and Johnson County's middle-tier tax structure. What you'll actually pay over 10 years.

Sagebriar opened in May 2025 as Del Webb's south-side counterpart to the Hamilton County communities. With 524 planned homes, a 15,000 sq ft clubhouse, and pricing that starts mid-$300s, Sagebriar offers the Del Webb amenity package at a meaningfully lower entry point than Britton Falls or Kimblewick. The trade-off is Johnson County's tax structure — better than Marion or Hendricks, but not as good as Hamilton or Hancock.

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Johnson County Tax Picture

Property Tax Rate~0.95% (mid-tier in metro)
County Income Tax1.2%
Combined Income Tax (state + county)4.2% on taxable retirement income
Vs. Hamilton County+0.1% income tax penalty, similar property tax
Vs. Hendricks County+0.05% property tax, -0.3% income tax (better)

Year-One Cost Breakdown: Three Price Points

Entry: $340,000 (Smaller Floor Plan)

Cost CategoryAnnualMonthly
Property Tax (Johnson 0.95%)$1,425$119
HOA Fee$3,180$265
Homeowner's Insurance$1,440$120
Annual Carrying Cost$6,045$504

Mid-Tier: $410,000 (Popular Floor Plan)

Cost CategoryAnnualMonthly
Property Tax (Johnson 0.95%)$1,718$143
HOA Fee$3,180$265
Homeowner's Insurance$1,680$140
Annual Carrying Cost$6,578$548

Premium: $500,000 (Larger Plan, Premium Lot)

Cost CategoryAnnualMonthly
Property Tax (Johnson 0.95%)$2,096$175
HOA Fee$3,180$265
Homeowner's Insurance$2,040$170
Annual Carrying Cost$7,316$610

Property tax uses Indiana homestead deduction (lesser of 60% AV or $48K + 37.5% supplemental). HOA fee per Del Webb standard ~$265/mo. Insurance based on Indiana statewide averages.

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10-Year Total Ownership Cost

Carrying costs + income tax on $60,000/year of taxable retirement income (mortgage excluded).

Price Point10-Yr Carrying10-Yr Income Tax ($60K)10-Yr Total (ex-mortgage)
$340,000$60,450$25,200$85,650
$410,000$65,780$25,200$90,980
$500,000$73,160$25,200$98,360

Income tax calculated at 4.2% (3.0% IN state + 1.2% Johnson Co.) on $60,000 × 10 years. SS, military retirement, and qualified Roth distributions are exempt.

The Sagebriar value case vs. Hamilton County: At equivalent floor plans, Sagebriar's purchase price runs $40K–$70K below comparable Kimblewick or Finch Creek homes. Johnson County's 1.2% income tax costs you ~$60/year more on $60K of taxable retirement income vs. Hamilton's 1.1%. The 10-year extra income tax burden ($600) is dwarfed by the $40K+ purchase price savings. For income-tax-conscious buyers with mid-range incomes, Sagebriar is the strongest value play in the metro.

Sagebriar vs. Vandalia (the Other Value Del Webb)

Sagebriar's main competition isn't Hamilton County — it's Vandalia (Plainfield, Hendricks County). Vandalia has the Plainfield Aquatic Center pass (year-round indoor pool), lower property tax (0.90% vs. 0.95%), and a mature established community. Sagebriar has lower county income tax (1.2% vs. 1.5%), newer construction, and the largest clubhouse at any south-side 55+ community.

For IRA-heavy retirees, the income tax math favors Sagebriar. For Social Security-primary retirees with light taxable income, Vandalia's property tax + Aquatic Center pass favor it. See our side-by-side comparison for the full breakdown.

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Del Webb pricing and incentives at Sagebriar change quarterly. We can connect you with an agent who covers the south-side 55+ market and can run current pricing vs. competitor communities.

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Related Research

Sagebriar Community Profile · Sagebriar vs Vandalia · Vandalia 10-Year True Cost · All 5 Del Webb: Which Community? · Indiana Retirement Income Tax Guide

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