The Owner-Occupied Payment Agreement program allows homeowners to make affordable monthly payments on property taxes that are past due. To be eligible, you must live in the home that you own. To stay eligible, you’re required to pay all new property taxes as they become due.
Your monthly payment will be at least $25.
Monthly payment amounts
There are two ways that the monthly payment amounts can be determined.
Option 1: A set amount based on your household income
With this option, the monthly payments are a percentage of your monthly household income. Depending on what your monthly income is, you’ll be asked to pay 5%, 8%, or 10% towards your Real Estate Tax bill. Household income and family size fall into four tiers. If your income falls into tiers 2-4 you’re also eligible to have a percentage of interest or penalties for late payment waived.
To find out what you would be asked to pay under Option 1, find your household size in the table below. Then, find what tier your income falls into to see how much you will be asked to pay each month, and whether you will be required to pay interest or penalties.
|Household size||Tier 1||Tier 2||Tier 3||Tier 4|
|1||$3,399 and up||$2,428 – $3,398||$1,457 – $2,427||$0 – $1,456|
|2||$3,884 and up||$2,775 – $3,883||$1,665 – $2,774||$0 – $1,664|
|3||$4,369 and up||$3,121 – $4,368||$1,873 – $3,120||$0 – $1,872|
|4||$4,855 and up||$3,468 – $4,854||$2,081 – $3,467||$0 – $2,080|
|5||$5,243 and up||$3,745 – $5,242||$2,248 – $3,744||$0 – $2,247|
|6||$5,631 and up||$4,023 – $5,630||$2,414 – $4,022||$0 – $2,413|
|7||$6,020 and up||$4,300 – $6,019||$2,581 – $4,299||$0 – $2,580|
|8||$6,408 and up||$4,577 – $6,407||$2,747 – $4,576||$0 – $2,746|
|You pay||Eligible for Option 2||10% of your monthly income||8% of your monthly income||5% of your monthly income|
|Interest you pay||Eligible for Option 2||100%||50%||0%|
|Penalties you pay||Eligible for Option 2||0%||0%||0%|
For example, a household with four people and a monthly income of $2,400, falls under Tier 3 , pays 8 percent, or $192, each month. They are also entitled to a waiver of 50% of the interest and 100% of the penalties that have accrued from late payment.
Option 2: This is a set amount based on a review of your individual income and expenses. With this option, the monthly payment is based on the resident’s net monthly income after expenses.
You may choose which of these two options the City uses to determine your payment.
Applying for a repayment plan
Read and complete the Owner-Occupied Real Estate Payment Agreement application.
To prove eligibility under either option, you will need to include the following:
- Proof of residency. Two different forms of proof are required. One must be a valid government-issued photo identification, like a driver’s license, passport, or military ID. The other can be one of several options, including utility bills, voter registration cards, employment records, or other documents that show your name and the address of your property. A full list of accepted forms of proof is included in the application instructions.
- Proof of income. Copies of income tax returns, pay stubs, benefits awards letters, court support orders, pension income statement, and similar documentation. See the application for more details.
If you’re applying for Option 2, you’ll need to complete the Supplement #2 form, where you’ll list your monthly expenses. Proof of these expenses may take the form of mortgage payment receipts, utility bills, transportation costs, medical bills, child support payments, and any other expenses. Supplement forms are included in the application document.