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I think trying to include childcare and transportation into housing is not correct since they would exist outside of owning or renting.

The cost of insurance, even renters need homeowners insurance, the cost of utilities is mentioned but breaking it down, you have electricity, water, sewer, trash collection, maintenance, and repairs.

The expenses that trap most on a limited budget are the longer term costs; roof replacement, Heat Pump/HVAC replacement, window replacement, pool resurfacing, screen enclosure repair and screen replacement. Every one of these items starts at $10,000 and goes up from there.

The cheap things are the washers, dryers, refrigerators, dishwashers, ovens, water heaters. The life expectancy of those are 6-10 years and are $1500 each.

Add on to that the cost of insurance deductibles when something catastrophic happens, the rent you pay to own a house, called property taxes that you can never stop or assign a dollar amount to year over year.

Even the items that impact the property owners will impact the tenant since those costs are passed down.

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