Year-one cost
Ann Arbor
$13,208/yr
Property tax: Middle tier (1.0% to 1.6% of home value, statewide average)
+
Naples
$22,891/yr
Property tax: Lower tier (below 1.0% of home value, statewide average)
=
Combined year-one
$36,099/yr
Senior and homestead exemptions are not modelled, so an actual
property tax bill is likely to be lower.
Ownership plan
This sample keeps both homes year-round (dual ownership) for the whole horizon. Every account can set its own year-by-year plan — sell one home partway through, switch which city is primary, and watch the cost table update.
2026
Dual
2027
Dual
2028
Dual
2029
Dual
2030
Dual
2031
Dual
2032
Dual
2033
Dual
2034
Dual
2035
Dual
2036
Dual
2037
Dual
2038
Dual
2039
Dual
2040
Dual
Sign up to build your own ownership plan for any pairing of your own cities.
Year-by-year
| Year | Ann Arbor | Naples | Healthcare | Travel | Mode | Combined | Cumulative |
|---|---|---|---|---|---|---|---|
| 2026 | $13,208 | $22,891 | $16,000 | $4,500 | dual | $56,599 | $56,599 |
| 2027 | $13,605 | $23,578 | $16,880 | $4,635 | dual | $58,697 | $115,297 |
| 2028 | $14,013 | $24,285 | $17,808 | $4,774 | dual | $60,880 | $176,177 |
| 2029 | $14,433 | $25,014 | $18,788 | $4,917 | dual | $63,152 | $239,329 |
| 2030 | $14,866 | $25,764 | $19,821 | $5,065 | dual | $65,516 | $304,845 |
| 2031 | $15,312 | $26,537 | $20,911 | $5,217 | dual | $67,977 | $372,822 |
| 2032 | $15,771 | $27,333 | $22,061 | $5,373 | dual | $70,539 | $443,362 |
| 2033 | $16,245 | $28,153 | $23,275 | $5,534 | dual | $73,207 | $516,568 |
| 2034 | $16,732 | $28,998 | $24,555 | $5,700 | dual | $75,985 | $592,554 |
| 2035 | $17,234 | $29,868 | $25,906 | $5,871 | dual | $78,878 | $671,432 |
| 2036 | $17,751 | $30,764 | $27,330 | $6,048 | dual | $81,892 | $753,325 |
| 2037 | $18,283 | $31,686 | $28,833 | $6,229 | dual | $85,033 | $838,357 |
| 2038 | $18,832 | $32,637 | $30,419 | $6,416 | dual | $88,304 | $926,661 |
| 2039 | $19,397 | $33,616 | $32,092 | $6,608 | dual | $91,714 | $1,018,375 |
| 2040 | $19,979 | $34,625 | $33,857 | $6,807 | dual | $95,268 | $1,113,643 |
| Horizon total | $1,113,643 | ||||||