Here is the housing cost numbers.
1998
Rent 850
Utility 100
Household 100
2017
Property tax 1700
Insurance/HOA 250
Utility 500
Household 500
Insurance at 2100 per year is a pretty reasonable number for a structure valued at 600k. I believe it's much lower than east/west coast. It is lower than other major cities of Texas.
Utility includes biweekly gardener service. Household includes any house repair, such as deductible for roof replacement (average one every 10 years in Austin).
Currently, hosing is the largest non-discretionary category.
There was one category missing but is now growing fast which is health care. We paid pretty much nothing then but now we are paying 450 monthly premium for HDHP. And all our family need glasses and dental work. That comes at about another 400 per month.