Plan for total first-year homeowner costs to run 1% to 4% of the home's purchase price beyond the mortgage — typically $3,000 to $15,000 in maintenance, repairs, and setup costs on a median-priced home. Routine maintenance runs $1,500 to $3,000.
Replacing a tank water heater typically costs $900 to $2,500 installed; tankless runs $1,400 to $5,600. See cost drivers and how to delay it.
Furnace replacement averages about $4,771, with most paying $2,825 to $6,846. Costs by fuel and efficiency tier, plus a clear replace-vs-repair guide.
Replacing a central air conditioner usually costs $4,500 to $12,000 installed, most homeowners $5,500 to $7,000. See costs by size and repair vs. replace.
Mold remediation runs $1,500 to $9,500, with most jobs $2,500 to $3,900. See costs by location and scope, plus when you can clean it yourself vs call a pro.