[Principled]

The sales tax has a marginal rate of appx 30% (tax exclusive or 23% tax inclusive). You will pay less than the marginal rate. You still don't get that.

I will pay 15% (tax inclusive). That is my effective rate.

THe only possible way to pay the marginal rate would be to spend 100% of everything on taxables AND refuse to accept the rebate.

[RobFromGa]

There is no such thing as an effective rate in practice, everyone pays the entire FairTax rate on every purchase, and that is at least 29.87%. In a year where you purchase a $300,000 house your effective rate will be almost the full 29.87% as the prebate will be a small percentage of your spending that year.

You act as if you are going to tell the person at closing what your effective rate is and they are going to add that. Wrong. They add the full FairTax rate and later on (if you care to) you can calculate what your effective rate was for any given time period. Surely you understand something this simple.