Word came that a house costs dear long after the buying. Ambrose: near $24,000 a year beyond the mortgage, by one survey ($23,686). Pim: my snail pays no bills, he carries his house. The Toll Keeper: utilities alone, $7,679, every year. Prudence: the mortgage is fixed; nothing else is. Bought once. Paid for yearly.
By a March 2026 survey of 1,000 homeowners, the average US owner pays $23,686 a year on top of the mortgage, utilities the largest part at $7,679; the mortgage is the only fixed piece, the rest keeps rising, and 45% of owners said the costs were higher than they expected.
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