Is this why more homeowners are selling in 2025?

When we talk about buying a home, the focus is usually on the big numbers—mortgage rates, down payments, and sale price.
But what about the real cost of staying put?
Homeownership Isn’t Just a Mortgage
Beyond your monthly mortgage payment, homeownership includes a long list of ongoing expenses—many of which don’t get talked about enough. These include:
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Property taxes
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Insurance premiums
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Utilities
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Routine maintenance
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Unexpected repairs
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Renovation projects
According to Bankrate, the average hidden cost of owning a home has climbed to over $18,000 a year—a 26% increase since 2020.
That rising total has a lot of my clients asking: Are we actually paying more to stay than we would to move?
Should You Rethink Staying Put?
If you’re weighing that question yourself (or know someone who is), here’s a helpful way to begin:
1. Gather the Full Picture
Start by collecting your current numbers:
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Mortgage payment
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Property taxes
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Insurance
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Utility costs
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Maintenance or HOA fees
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Any upcoming repairs or renovations
Then compare those with projected costs if you were to buy again—including:
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Purchase price
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Down payment
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Closing costs
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New insurance and taxes
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Moving and setup expenses
2. Run Side-by-Side Comparisons
Use a mortgage and cost calculator that includes both upfront and ongoing expenses. This gives you a clearer picture of monthly vs. long-term costs across both options.
3. Think in 5–10 Year Terms
Ask yourself:
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How long do I plan to stay where I am?
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Will the new home better match my lifestyle or financial goals?
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Will I gain functionality or reduce my monthly burden by making a move?
Sometimes, staying seems easier—but running the numbers tells a different story.
Need a Clearer Picture?
If you’re feeling stuck or uncertain about whether it makes sense to move, renovate, or simply reassess—let’s talk. I can help you weigh the options with clarity and strategy.
Just reach out—there’s no pressure, and I’m here when you need a trusted second opinion.
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