买房子是一笔很大的开支. But the purchase price is not the only cost to weigh as you search for a house. Here are some other expenses to take into account.

税

Property 税 can take a big bite from your housing budget. Keep in mind that your 税 could vary significantly from prior tax bills on the property. The previous owner may have enjoyed exemptions for which you don’t qualify, such as those for seniors or veterans with a disability. 也, a 10% cap on property appraisal values for homesteads will not stay in place when the property changes hands.

保险

Most lenders will require you to obtain homeowners insurance. Even if you pay cash for your home, insurance will protect you from losses due to disasters and accidents. Many factors determine the cost of your insurance, 包括免赔额, whether you want—or are required—to get flood coverage, the materials and location of the home, 和更多的.

房主协会

Monthly fees for homeowner associations can be less than $100 or more than $1,000. Before you buy a home in an area with a homeowners association, find out whether the HOA is mandatory or voluntary, what amenities the HOA provides, 费用是多少.

Repairs, Remodeling, Maintenance

Many 购房者 make frequent trips to big-box stores after moving in. The cost of new furnishings and remodeling projects can add up quickly. Don’t forget to also factor into your budget any major items in need of repair—like a new roof or AC unit—and the ongoing costs to keep your home in good shape.

Your REALTOR® can discuss the various costs associated with 购买 and owning a home to make sure you find the property that suits you and your budget.