Guide · cited public sources
The payment is not the whole year. Taxes, insurance, utilities, and upkeep sit beside principal and interest. Public averages show how large housing is for U.S. households — your deed and statements set the real total.
BLS averages below describe all consumer units, including renters in some housing totals. Owned-dwellings and utilities rows are orientation only. Mortgage, taxes, and HOA belong as your numbers.
Combined total of the rows above: $40,312/year (about $3,359.33/month). Mix of cited averages and examples — not your household.
BLS’s owned-dwellings average ($9,310 in 2024) covers mortgage interest and charges, property taxes, and maintenance, insurance, and related expenses for owned homes — not every homeowner’s cash flow, and not principal in the same way your lender statement does.
When you use Per Year, enter the cash amounts you actually pay: mortgage or rent, escrow, HOA, insurance if paid separately, and utilities.
BLS notes that housing and transportation together accounted for about half of household spending in 2024, with housing averaging $26,266. Seeing that as a yearly block is the point of this calculator — not judging whether your share is “right.”
List the recurring home bills that make up a year of ownership or renting.
BLS Consumer Expenditures data for 2024 show average housing expenditures of $26,266 per consumer unit, and $9,310 specifically under owned dwellings.
Yes. Add a yearly maintenance or sinking-fund line with the amount you set aside. Per Year will not invent a maintenance percentage for you.
Annual Bills Plan
$5 once. Not a subscription.
$5
one time
Bills you might be forgetting
A checklist of common irregular costs
Monthly set-aside plan
What to save, with a 12-month calendar
Needs vs wants
Your split next to the 50/30/20 guideline
Ways to save and a 5-year outlook
Plus a Scenario Lab to test changes
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Electric, gas, water, and phone service as yearly totals, using BLS and EIA public averages you can replace with your bill.
Read guide →How monthly set-asides cover yearly insurance, registration, and memberships — with a path into Per Year’s calendar sample.
Read guide →BLS 2024 average household expenditures as context, then a free path to total your own recurring year.
Read guide →