09/09/2026
If the mortgage is the only number in your second home budget, keep going.
• Taxes and insurance belong in the monthly number.
• Utilities matter too: power, internet, propane, water or sewer, and trash.
• Seasonal upkeep counts: snow service, tree work, gutters, and winter prep.
• HOA dues can change the real carrying cost.
• A repair reserve helps cover the deck, roof, appliances, and surprises.
Around Arnold, these costs often reset the comfortable price point. If you want help pressure testing the math, we're here.