• Mortgage
• Private Mortgage Insurance (PMI) if under 20%
• Homeowners' Insurance - High Fire Area, Flood insurance...
• Property Tax
• Maintenance
• HOA fees
• Special Assessments
• Electrical and Gas
• Water
• Garbage
• Internet
• Gardiner
• Toll roads (Not a direct cost but one to know, in other states like Florida.)

Example

Suppose you own a home with:

• Mortgage: $4,790/month
• Property taxes: $950/month
• Insurance: $150/month
• Maintenance reserve: $300/month
• Utilities: $250/month
• Water & Garbage: $80/month
• Internet $75/month

Your monthly carrying cost would be approximately $6,595.

For budgeting purposes, many homeowners set aside 1%–3% of the home's value per year for maintenance in addition to mortgage, taxes, and insurance.

These are just estimates and are net meant to be legal advice.  Please contact a lender for better estimates for your particular home.