this post was submitted on 02 Jul 2026
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Leaving aside the issue of credit rating and focusing just on the cost of home ownership, a house costs a lot more than just the mortgage payment. I bought my house for $142K and it had previously been renting for $1300 a month. My property taxes plus homeowner's insurance alone come to $400 a month, so if I had a $900 per month mortgage I'd be at $1300 a month minimum, before considering the cost of maintenance and repairs and upgrades and whatnot.
That's true. Home ownership has been the biggest money sink I've experienced
I just got a quote to re-point my chimney and replace the cap. Fucking $8K.