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What are we including in housing costs? Just rent/mortgage? Taxes, insurance, maintenance, utility bills? If you rent, you're probably just including rent and insurance, maybe some utilities. If you own a house or condo, the other costs can be considerable. We probably spend $8,000 to $12,000 per year on things like tree cutting, new roof, painting, furnace repair, etc., which we would not pay if we were renting.
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