It really depends on the property. As far as taxes are concerned, a good rule of thumb is 1.5% of the home's value - but keep in mind that the price you pay for the home doesn9;t have a major effect on what value the county will assess your home. In our area homes are based on aggregate sales of comparable homes; if you purchase a home for $100,000, it is possible the county will assess you at $125,000. Current taxes on a property are readily accessible through the public records, and a Realtor should be able to get them for you.
An owner-occupied residence may also qualify for the $50,000 homestead exemption, which would also limit the amount your assessed value can go up by 3% a year - regardless of what the market around you is doing.
Homeowners insurance will vary widely based on the home's age, condition, and location, not to mention the company you get the insurance from, the deductible amounts and the amount of coverage. You'd do best to contact some insurers in our area to get pricing.
Re/Max Alliance Group
Broker Associate, GRI, Certified Distressed Property Expert