The #1 mistake buyers make when calculating their budget

Jo Ann Lowe
Jo Ann Lowe
Published on October 16, 2025

You found the perfect home. It’s in budget… or so you think.

Here’s what most buyers forget to calculate:

🏡 Property taxes
🔧 Monthly upkeep and surprise repairs
💡 Utility costs in a bigger home
📋 HOA dues, if any
🛡️ Insurance premiums based on location

These can easily add $500–$1,500/month – and that changes the kind of home you can afford.

Before you tour another listing, break down the real cost of living there.

The mortgage is one thing, but everything else wrapped around it is another. Think wisely before you buy!

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Caption:

If you’ve been surprised by monthly costs after buying, what hit the hardest: utilities, taxes, or something else? 👇

#homebudgeting #realestatetips #buyeradvice #budgetsmart

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