Don't forget the costs of the "lifestyle". Budget $20 for every club you join for their annual dues, green fees if you wish to play championship, trail fees, fitness center membership, acquiring equipment for the activities you wish to participate in (shoes for pickle ball, mat for yoga, etc.).
As for the house remember termite bond, annual pest control contract, AC maintenance contract, annual pressure washing.
If you buy new, the taxes convert from vacant land to the home's full tax levy one year after closing and that number is a huge jump.
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