My husband and I just bought a 1800 ft.² frame home in the village of Santiago, for $250000 and our homeowners insurance policy came to $1423. A bit higher than their estimate.

Obviously, the size of house and location greatly impacts the cost of living in the villages. I just bought a new home in Marsh Bend and I calculate my total costs to be about 1.5 times what you've illustrated in your post for the same list of items. Check out this video on Youtube, I found it helpful when I was doing my research.

How Much Money Do I Need To Live In The Villages - YouTube

The tax estimate doesn’t seem to include Bond repayment. Our house still has a bond payment of roughly $800/year on a 12 year old home. Cable TV with high speed internet is $110/month with Comcast.

Monthly Costs
 

Pest control is a must if you don’t want bugs in your house. We $50 every two months to stay bug free.

District Development Assessment is the bond.

Love your inclusion of golf balls! Going through lots, due to errant shots!

What insurance company offers sink hole insurance plz?

Add money for:

Irrigation. - $35.00 (average over the year)
Land line / Internet - $90
Hurricane insurance - add to insurance.
I'd estimate $333 a month for taxes

With the exception of any amenities fees, you'd pay this or more to live ANYWHERE. Not sure what the point is here...

What is DDA? And internet is $50

They leave out many things which are common, if not needed, around here. Most people use a lawn service, A/C service, insect spraying, internet, etc. We have found our monthly bills average about $1200 above the mortgage. If you golf you also may want to pay the trail fees which are about $150/year.

I believe that the purpose of asking for these estimates was to help others determine if they could afford to buy a home here. It might even be to determine if they could hold on to their current home - AND buy here too.

Our lawn gets the pesticides from the treatment guy, he's $50/month. We mow our own lawn and do our own gardening and trimming and edging.

The "basic cable" in the OP's post we swapped out with Internet service; we cut the cord and pay for YouTubeTV, which is an extra $70 I think, now.

Our taxes are a little higher since our home is less valuable overall but we live in Lake County.

The OP's list is about right for us, give or take $100 a month. Our electricity averaged at $90/month this past year. Last month was high because we had the heat on almost every day.

I've been tracking monthly costs for the past two years. Here are my averages over a 2 year period.
My lawn care costs are probably higher than most due to having a corner lot.

Amenity fee $148
Irrigation Water $40
Trash Collection $22
Potable Water/Sewer $60
Gas (TECO) $40
Electric (SECO) $75
Internet/Streaming TV $120
Lawn care $95
Insect control/lawn treatment $60
Property Taxes $415
Insurance $112
Development District Assessment $205
Golf Cart Insurance $17

Monthly total: $1408

Budget? I have a friend who I regularly tease for the way the thinks. Truth he in an e-mail stated how many rolls of toilet paper he and his wife use a year. No he is not down to his last dollars.

My income was never steady. We are retired. I am too old and too broken to go back to work. When we moved here I took what I thought it would cost. Added 20% to all the numbers and made sure I could cover them. You are far better off having more than you need than less. One simple way to do that is to spend less than you have.

Budget? Fixed vs variable expenses? Wants vs needs? Etc. Rising costs?