‘Extra’ Homeownership Costs Top $23,000 a Year—and Unlike Your Fixed Mortgage Payment, They Might Go Up

CNBC, May 22, 2026-Mike Winters
The average U.S. homeowner spends $23,686 annually on expenses beyond their mortgage, according to a March 2026 survey and analysis from Clever Real Estate. When average HOA fees are included, those costs climb to nearly $28,000 a year, more than the average annual mortgage payment of roughly $25,000, according to the report.
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