I appreciate the replies. The fixed costs, electric, water and such are all well documented and there are lots of Mortgage calculators around. The hard part is figuring out the soft (daily living) costs since we are moving from a work based expense style to a retired style. Things such as no daily drive back and forth, work lunches and picking up the tab, work/social outings in the evenings and all the associated trappings of work. I just picked 45K out as a figure, I should have asked - knowing how much you spend monthly/yearly in TV what would you consider a reasonable monthly or yearly net income if you were purchasing a house with a 200K mortgage. I have our fixed costs but I tend to underestimate 'soft' costs and my wife tends to overestimate... lol Obviously everyone is different but a group of replies will should provide a fair picture, again thanks for all the information and advice.
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