Utilities and services: the monthly costs that add up
Plain-language guidance to help you budget and avoid surprises.
Common categories
- Electricity and heating (or gas/oil/other fuels depending on region)
- Water and sewer (municipal or private systems)
- Waste collection (included or billed separately depending on area)
- Internet and phone
- Snow removal / lawn care (time or paid services)
Seasonal swings
Heating and cooling costs change by season. A budget that looks fine in mild months can break in extreme weather months.
Practical tip Ask for historical utility bills if possible, and factor in the number of occupants and how you use the home.
Private systems
If the property uses a well, septic, or private heating fuel, the cost pattern can be different: less monthly billing, but periodic maintenance and larger one-time costs.