Dirk Hanlon: homeowners pay nearly $24,000 a year beyond the mortgage, by one survey ($23,686). Gus: ha, our mortgage is fixed, nothing goes up. Dot: Father, the mortgage is the fixed part; utilities alone average $7,679 a year, and with association fees the total nears $28,000. Skip: 45% said it cost more than they expected. Gus: forty-six, now.
By a March 2026 survey of 1,000 homeowners, the average US owner pays $23,686 a year on top of the mortgage: utilities $7,679, maintenance $5,162, renovations $3,929, property taxes $3,580 and insurance $3,336; with association fees the total nears $28,000, more than the average mortgage payment of roughly $25,000, and 45% of owners said these costs were higher than they expected.
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X · Oct 14, 2026
