How much does it cost you to run your home (2022)? - See first post for criteria.

[Mr. Tightwad]

Mortgage rent HOA landscaping = 0
Electricity $182
Gas $168
Water $540
Trash $322
Internet $780
Umbrella $253
Pest 0
HVAC 0 (Don't use it)
Property tax $4389
Maintenance 0

Total $6634 for 2022. 2850 sf

I forgot home insurance. Add another 1216 for me.

Makes it $7850 per year, $654 a month. 2nd lowest after Aaron

 

[ls99]

House 'been paid for many years ago. Cost of running? I don't know, don't feel like figurig it up. Just had my oil tank filled 380 gallons used last winter $1357.-, next fill, next Aug. electric runs around $80/mo average. Trash $ 77/quarter. Water $62/quarter, never use beyond the minimum charge. Taxes, school,town around 3500/yr. Plus some other stuff, internet, grass cutting, homeowners ins..

 

[ShokWaveRider]

I cannot believe how so many folks here live so cheaply. I wish our mandatory home expenses were <$1000

 

[aaronc879]

I cannot believe how so many folks here live so cheaply. I wish our mandatory home expenses were <$1000

If you can afford more then no reason to go without. I wish I could reasonably afford to spend what most here do. I will likely spend under $12K this year all in. No one should want to do that, I would like to spend 10X that or even 3X that.

 

[bobandsherry]

I cannot believe how so many folks here live so cheaply. I wish our mandatory home expenses were <$1000

My FIL lives on the cheap, works for him but not where I would want to live or the lifestyle. So sometimes it comes down to choices.

 

[bonvoyage]

We live in northeastern NJ fairly close to NY City - close enough that I can see the tips of skyscrapers. House was originally constructed in the late 1950s but we have completely renovated it from top to bottom over the 27 years we have lived in it. Size is about 3000 sq ft.

Mortage: 0
Property tax: $15500
Home insurance: $2100
Gardening: 4000
Home cleaning: 3500
Internet: $1300
Home maintenance: $200
Total about $34000 per year

We have no intention of moving even after my wife retires as we really like it here.

 

[karen1972]

Built 2018 in NC - Townhome (so have neighbors on both sides), 2050 sq ft
Mortgage $825
HOA $176 (pool, garbage, and all exterior maint and landscaping)
Electricity $72
Gas $48
Water $43
Internet $92
Umbrella, Home Insurance $77
Property Tax $332
General Home Maintenance $60 water/air filters, dryer vent cleaning, HVAC checkup, misc supplies for HD like pest spray

$900 w/o mortgage, $1725 including mortgage

 

[lae1526]

Houston, TX: 2000 sqft house built in 1965 on .25 acre lot:
1) Mortgage, if one has one. 0
2) Rent if one rents their home 0
3) HOA if one has one $65/month
4) Landscaping and Lawn Maintenance if applicable $10/month: we do everything ourselves, but still have purchased lawn tools at estate sales, a lawn mower, replacement blades, string for weed eater, gas for mower, etc.
5) Electricity $125/month
6) Gas $30/month
7) Water $110/month
8) Internet (This is really a Mandatory Expense) Cable & TV however may not be. $65/month internet
9) Umbrella, Auto, Flood & Home Insurance $217/month homeowners + $63/flood
10) Pest Control we do ourselves, but still spend maybe $5/month on mousetraps, mosquito repellent, chemicals to put in sprayer
11) HVAC Maintenance Contract $0 contract, but maybe $5/month on filters
12) Property Tax $420/month
13) General Home Maintenance; HVAC, Pool, Roof, Windows, Painting Ect. $300/month? This is an estimate.
We do all we can ourselves, but still budget for eventual appliance replacement, roof replacement, garage door opener replacement, washing machine and dryer replacement, AC replacement, painting, foundation repair, plumbing parts, etc. I'm not sure how people get this to 0? We only do repairs, not upgrades, but our last roof was $12k, and our last AC unit was $9k. I paid $2k to have an enormous dead water oak removed. Even the water heater we installed we $400.
Total: About $1400/month

 

[FIREd_2015]

Northern CA - Bay Area 2140 sq ft
Costs in 2022
1) Mortgage - 0
2) Rent - 0
3) HOA - $2400/yr
4) Landscaping and Lawn Maintenance - included in HOA
5) Gas & Electricity - $954/yr
7) Water & Sewer - $1460/yr
8) Internet & phone - $495/yr
9) Umbrella, Auto, & Home Insurance - $3029/yr
10) Pest Control - 0
11) HVAC Maintenance Contract - 0
12) Property Tax - $7583/yr

Total 2022 - $15,921/yr; ~$1300/month

 

[marinauser]

2022 Expenses:

Category	2022	per Month
Prop Tax	$17,548	$1,462.33
Insurance	$3,938	$328.17
Electric and Gas	$3,265	$272.08
HOA	$3,015	$251.25
Landscaping	$433	$36.08
Water	$0	$0.00
Internet	$600	$50.00
Security	$360	$30.00
Home Repairs	$201	$16.75
Totals	$29,360	$2,446.67

Of course 2023 will be a different story since we just spent $25,000 replacing entire HVAC system for four story townhouse.

 

[Mark2024]

I cannot believe how so many folks here live so cheaply. I wish our mandatory home expenses were <$1000

I heard some areas give a significant property tax discount to home owners 65 years or older. DW's relative had their $5000 tax bill cut to less than $1000.

With a paid for house, low tax bill, and some DIY maintenances, the basic living cost should not be that much.

 

[NW-Bound]

I dunno about figuring out monthly housing expenses. So many items are highly variable, even my electric and water bills, let alone non-recurrent items that pop up randomly.

Even an annual summary does not work for me, because of infrequent big major projects. I could look at Quicken and get a total for the last 10 and 15 years, but for a long period like that, I would need to adjust for inflation. So, this will have to wait.

But just looking at the numbers from posters, I think not too many people are DIY'er to the level that I am.

 

[lem1955]

Built 1989 and addition 2004 - 3,700 sqft Home in Vermont on a 10 acre lot

1) Mortgage, if one has one. None
2) Rent if one rents their home None
3) HOA if one has one None
4) Landscaping and Lawn Maintenance if applicable $2,825
5) Electricity $262 (Solar Array provides 80%)
6) Gas $3,100 (average of last 4 years) + $300 for firewood (sauna and living room stove)
7) Water N/A (Artesian well w/pump)
8) Internet (This is really a Mandatory Expense) Cable & TV however may not be. $720
9) Umbrella, Auto, Flood & Home Insurance $3,590 (3 cars)
10) Pest Control $300
11) HVAC Maintenance Contract $166 (Solar Array)
12) Property Tax $8,370
13) General Home Maintenance; HVAC, Pool, Roof, Windows, Painting Ect. Lumpy ~$4,600 (including bi-weekly house cleaning)

My total of these categories is $24,233/yr (see above for detail numbers embedded above)

 

[jebmke]

I have no idea. I know how much I spend on average for everything which is what I look at. Anecdotally this is going to be a big year for the house operating budget. New well, renovate the pool, major tree work. Probably a $30K hit to average.

 

[goingtotravel]

Ouch!

We FIRE'd with a mortgage (2.75%), 4,400+ sq ft house (6,000+ finished space including basement), 7+ acres of land, rural bedroom community of a major east coast city. Property taxes are $0 due to various programs involving both VA ratings and land use programs. Land maintained/mowed by contractors. Total average monthly spending including mortgage, utilities, lawn care and insurance: $3,613. Lumpy expenses this year for new roof and driveway: approx. $57,000.

 

[SumDay]

1) Mortgage, if one has one. ($427) $5124 annually
2) Rent if one rents their home
3) HOA if one has one ($187) $2244 annually, covers lawn maintenance, snow, tree trimming, etc.
4) Landscaping and Lawn Maintenance if applicable See #3
5) Electricity - Includes water & sewer ($325) $3900 annually
6) Gas ($160 level pay) $1920 annually
7) Water - see #5
8) Internet (This is really a Mandatory Expense) Cable & TV however may not be. ($258) $3096 annually, includes cable & TV
9) Umbrella, Auto, Flood & Home Insurance ($342) $4104 annually
10) Pest Control $300 annually
11) HVAC Maintenance Contract N/A
12) Property Tax $4600 annually
13) General Home Maintenance; HVAC, Pool, Roof, Windows, Painting Ect. We usually budget around $8,000 annually, but have wiggle room as needed.

 

[Time2]

I am surprised to see all the zeros on pest control. Since the house is an asset , I figure you would at least spray it for ants and the like at least once a year. Maybe you all don't have bugs in other parts of the country?

Yes, I put $84 a year just because I know it isn't zero. I'm pretty sure it is higher. My wife spends money on lawn products that I don't see or try to follow. Up until 18 months ago we had a very filthy neighbor, whose house was a breeding ground for mostly roaches. Once they died or moved and a new owner gutted the house, that problem decreased substantially.
Of coarse, down here (FL.) they aren't roaches they are Palmetto Bugs! Newcomers are shocked when the see their first Palmetto bug.

 

[skyking1]

When I did the calculations for the new place I also lumped in the auto insurance, as it is mandatory.
I have a $1500 lump set aside for all that. The power bill will be fixed at the minimum by solar panel installation.

 

[ShokWaveRider]

I have 5 friends in Florida that were denied home insurance because of their Solar panels. Seems contrary to common sense in Florida ..... Really! 3 of them removed the panels and the other 2 removed their roof from their policies. Go Figure.

 

[skyking1]

I can see the reasoning. if the panels are installed over a roof with a limited life, there will come a time where they will be in the way of repairing a leak.
I am installing standing seam metal which will last longer than the solar panels.

 

[CRLLS]

We don't track our expenses. I do an expense estimate every year and do an annual expense. As long as what we sent was close (within 5% or so of our estimate, we call it good. This is this year's budget for the items you asked. I do not estimate or amortize major repairs' expenses. They come unexpectedly. Home is in northern illinois,2140 sq FT bi-level, built in 1987.

I'm not sure why auto insurance in included in the request for "home" expenses.

2023 Budget
1) Mortgage - 0
2) Rent - 0
3) HOA - 0
4) Landscaping and Lawn Maintenance (fuel for mower and oil chgs) - 120
5) Electricity - 1080
6) Gas - 888
7) Water (water softener salt) - 84
8) Internet - 660
9) Umbrella, Auto, Flood & Home Insurance - 1677
10) Pest Control - 0
11) HVAC Maintenance Contract - 0
12) Property Tax - 6999
13) General Home Maintenance; HVAC, Pool, Roof, Windows, Painting Ect. - 2500

TOTAL 14,008 annual

If I include all items auto related, such as regisration, fuel and maintenance, that number rises to 19,550

 

[dknighd]

I was calculating how much our home cost to run and how much increase there would be in 2023. I recon it will be 25% more this year. I will not know exactly till December as we have not had our Home insurance bill yet.

I budget 10% increase a year. This was a bad year.

These would be Mandatory expenses that one has to live. does not include Medical

Medical should be considered Mandatory IMO. Maybe more important than just a roof over your head. Or at least close.

Built 2002 - 3,300sqft Home in Florida Coastal Location.

$24,378 for the year or $2031 per month.

I'm shocked you can live that cheaply. Big house on Florida coast.


To answer the question. We pay about $1000 a month. And the house is paid for. And is relatively small.

 

[dknighd]

I have 5 friends in Florida that were denied home insurance because of their Solar panels. Seems contrary to common sense in Florida ..... Really! 3 of them removed the panels and the other 2 removed their roof from their policies. Go Figure.

Perhaps the insurance company realized solar panels could easily be removed by a big wind event.

 

[karen1972]

The HVAC contract zero plus zero repairs is throwing me in these responses.

I'm assuming the cost is negligible and thus just ignored.. or are people really never having their HVACs checked out yearly, every other year, not unless they break? I mean furnace filters cost something.

Dryer vent cleaning? does everyone really do that themselves? Ive had a few friends have theirs catch on fire and mine almost did when the hose got disconnected when moving it back in place...so I no longer do it myself.

 

[FiveDriver]

Home in Charleston SC suburbs, 2487 SF finished, Golf Course lot, Pond View frontage. 2-story wood frame, Built 2005.

Monthly Expenses :
1) Mortgage: $0
2) Rent: $0
3) HOA: $30
4) Landscaping and Lawn Maintenance: $0 (Cut it myself)
5) Personal Property Tax (2 Cars): $60
6) Gas & Electric: $180 (Dominion Energy Level-monthly payment)
7) Water & Sewer: $80
8) Internet: $288 (Spectrum - Internet, Cable TV, and Land Line)
9) Auto, Home & Flood Insurance: $250
10) Pest Control: $35 per month (Quarterly Pest spray)
11) HVAC Maintenance Contract: $0
12) Property Tax: $200
13) General Home Maintenance: $0 (usually covered by our Emergency Fund)
14) Security $0


Total: Approx $1100 per month.