Hello there Sharonna I pay mine quarterly, as I own my own business.. I made less in 2018 than I did in 2017 but estimated my tax burden on my 2017 income...so I am entitled to a refund, which I will roll over to 2019 taxes. I am also fortunate to not have had my property reassessed since I bought it so I have only seen roughly a 2percent rise in my value, which still keeps it very low, so the change in the law dealing with home mortgage deductions hasn't really affected my federal tax burden...which I know has caused many people in California to pay more.. My ratio of tax to income hasn't seemed to change that much and it is not so high that I mind paying..