The Bay Area's problem isn't absolute tax rates. It's that taxes aren't calculated on current property value, but on original sale price. This keeps effective tax rates low if you bought earlier. It also discourages redevelopment, rezoning, or anything else that would bring more supply into the market.

Closer to 1%.

Asterisk: Texas has no state income tax, but has a higher property tax rate.

Zero until the house is sold.