A comprehensive analysis of the true cost of homeownership in America's largest cities reveals dramatic differences — from $2,400/month in Houston to $7,800/month in San Francisco.
Monthly Cost Breakdown (Median Home)
- San Francisco: $7,800/month ($1.2M median)
- New York: $6,500/month ($850K median)
- Los Angeles: $5,900/month ($920K median)
- Seattle: $5,200/month ($780K median)
- Denver: $4,100/month ($560K median)
- Houston: $2,400/month ($310K median)
Hidden Costs People Forget
The analysis includes mortgage payment, property taxes, insurance, HOA fees, maintenance (1% of home value annually), and utilities. These add 35-50% beyond the mortgage payment alone.
