this post was submitted on 03 Feb 2026
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A Boring Dystopia
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It entirely depends on the house. Some people get bankrupted by their homes, some get really lucky and have very low maintenance costs. When I rented I had something like 60%+ disposable income.
Sounds like you are very economically well-off, and you can likely afford to outsource your labor and upkeep. I could not. I had more free money and time when I rented because I cannot afford to higher maids, landscapers, and etc. I do almost every minor repair myself, including plumbing and electrical and I absolutely dread the day I will have to replace a roof or do another very costly repair and it sucks to have to have a pile of money I have to keep aside for that, when I'd rather use it for something enjoyable. Owning a home has seriously impacted my ability to vacation and travel in both terms of money and time to the point I haven't left the country in 5 years. I am 'wealtheir' on paper, but that wealth doesn't do much for me in my day to day life. My 8 grand a month income does less for me than my 2 grand a month income did for me 10 years ago, because so much of it is sunk into my home.
I suppose the question is what upkeep people get hit with that a renter doesn't. Housekeeping isn't a renter amenity and landscaping is not an amenity when you rent a house.
Maybe the house is older or something... In my car the three things were a leaky water heater, a roof (which was big, but 15 years and insurance partially covered), and the central air conditioning falling. Day to day haven't had plumbing or electrical problems. I suppose I've had to replace a few parts of my toilets, but just flappers which are like a 15 second job and a few dollars and fill valves, which take about 5 minutes and are maybe 15 dollars. Some folks seem to think that every weekend there's another repair, but for me it can be months and months before even a minor thing like a light bulb or a toilet flapper needs attention.