Typical costs will vary. For homeowners insurance it will largely depend on the buyers credit and the different aspects of the home itself (heat source, location, home type, etc). If you had to estimate for a $140K house, it will be about $750 a year. Property taxes will vary depending on the Township and what the current SEV of the house. If you are within Traverse City, count on your taxes being about 35% more than if you lived outside of town for a $140K house. It is actually hard for us Realtors to give our customers an exact amount to expect regarding property taxes since it will also depend on how the tax assessor treats the sale. I will give you an exact example: Garfield township taxes are $1,922 a year for a house taxed at $140K. A best case/worst case scenerio can be given once you pick a specific house. HOAs will depend on if a house is within a subdivision that has them. Anything within the city will not have an HOA. A typical site condo sub with an HOA will cost you about $250 a year. Hopefully this is helpful to you.