Homeowners insurance
Everyone has to pay homeowners insurance, and the cost varies depending on where you live and whether or not you purchase add-ons, but the US national average is $1,000 a year, according to an analysis by real estate marketplace Zillow and service marketplace Thumbtack.
Property taxes
Property tax is another unavoidable cost. It's expressed as a percentage of your home's value, and also depends on your location, but as a nation, Americans pay an average of $2,216 annually in property taxes, Zillow and Thumbtack found.
If you're buying a condo or apartment, the property tax will be lower, as you don't own the land — however, condos and apartments tend to have association fees to cover the costs of maintaining the building's lobbies, patios, landscaping, pools, and elevators.
Utilities
Utility costs such as electricity, gas, and water don't come cheap. Factor in an about $3,000 annually, the national average according to Zillow and Thumbtack, to cover these expenses.