If you own a home or are considering buying, you know that your monthly mortgage payment is only a fraction of what you'll spend each year on homeownership. There are plenty of hidden costs associated with the purchase process as well as ongoing expenses ranging from property taxes to maintenance and repairs, which you don't have to factor in if you rent (as well as utilities and insurance, which you likely do). But it's hard to conceptualize how much this will actually set you back and easy to be caught off guard if you don't budget for expenses beyond your mortgage. A new analysis from Bankrate looked at the average annual expenses—on top of a mortgage—that come with owning a single-family
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