DC homeowners insurance for 500k home is $600. Property tax is $850/100k or $4250 before 75k homestead. A 5k/yr payment for T&I is reasonable on 500k, that’s 1%. DC also caps tax increases at 10%. So when its reassessed at 580k next year you only pay on 550k.
I don’t know how SELA residents afford the $3600+ insurance rates. I think my mom pays $4200 in Kenner for a home that has never flooded in 45yrs. They even made her put a new roof on before they would insure her.