You can afford the mortgage, but can you afford everything else?We generally only focus on the mortgage amount & forget the other expenses that should definitely be factored in when trying to determine how much house you can afford. 1. Sewer or Septic? A septic tank can add potential costs for repairs or replacement, which can run in the thousands of dollars; sewer does not. 2. Costs of utilities. ask the owners or call your local utility company & get last year's bills for February and August- generally the hotest & coldest months. What if the average utility bill is $500/month? A 1200sf condo will generally have better insulation/lower utilities than a 1200sf home, due to the fact that the condo is completely surrounded by other units. 3. Pool? Costs includes maintenance & repairs. DIY'rs will need brushes & chemicals & require regular chemical testing to make sure the chemical balance remains accurate to prevent organisms from forming. Hot weather can evaporate pool water to the point where you will need to add more, adding to your water bill. 4. Landscape & yard maintenance. Hired monthly maintenance or DIY. If you DIY, you will need a lawnmower, edger, weedwacker, gas, gloves, trash bags, etc. Yard maintenance deals with pest & weed control.5. Pest control. Termites & general pest for the interior and exterior of the home. 6. A/C maintenance is generally suggested every 6 months and performed by a licensed A/C company. 7. Repairs and replacements for any electric appliance.August 23 2011 - Orlando00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.