What Are the Hidden Costs of Owning a Home?
Your mortgage isn’t the whole story. Add property taxes, insurance, utilities, maintenance, and the occasional “uh-oh” expense (hello, water heater).
A good rule of thumb: budget 1–2% of your home’s value per year for upkeep.
Owning is rewarding — just make sure your budget plans for the full picture, not just the payment.
Written by Delisa Lapinsky, your trusted Rockwall and Dallas-area real estate expert.
Delisa helps homeowners across North Texas buy and sell with strategy, confidence, and ease
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