Currently I pay rent and rge. All other utilities are included, I really don't have to worry about much. Owning a house seems a lot more complicated. I understand Mortgage payment will include the loan, property/school tax, home owners insurance, and private mortgage insurance. I know things vary by town, but general answers are good too. We are looking in the Gates/chili/spencerport area. So hear are my questions:
What does the property tax cover? does that include things like sewer, garbage, fire response?
I saw something about discounts on taxes? Who, what, how....?
How much is a monthly water bill? I've gathered monroe county water authority is $2.57/1000gallons. my estimate was about $150/y. Looking for some real world numbers tho...
From whom do I buy garbage collection service from in Gates or Chili? And about how much per month?
Same question for sewer.
Snow removal and lawn care I can handle myself, rge I got covered. Are there any other expenses I'm missing that come with owning a home?
Thanks in advance to anyone who took the time to read this and offers a useful response.