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That budget seems somewhat tight. For sure you would have an amenity bill of 200 per month, utilities (water can be more costly in the summer because of required irrigation), as well as other charges like fire etc. Taxes will be based on what you pay for a home. You are also required to maintain your lawn and lawn services run about 100 a month? Insurance can be high and it seems to just go up. That would coincide with your homes condition, type and price but is certainly required if you financed.

If you buy north off 466 a bond won’t exist (unless you buy in the new rebuilt area in Spanish Springs). Bonds vary but can mean at about 150 a month.

That brings a brass tacks expense to at least:
Amenity Fee 200 per month or 1200 a year
School and Property Taxes at about 4000 a year
Utilities at a minimum 100 per month or 1200 a year
Maintenance of lawn ( cutting and pest fertilization) at about 100 a month 1200 a year
Maintenance Fees (ie. Fire etc) 75 a month or 900 a year

This minimalist budget is already at 8700 a year. I didn’t include a mortgage payment because right now we don’t have the finer details to even estimate. The 8700 number is just the automatic drain turned on you may not ever recoup.

You would make more money putting your extra cash in a high yield savings.