As you well know by your question these are variables and are different for each property. However, they can be different for each person as well. Exemptions (taxes), company/policy preference (insurance), and usage (utility) can vary for the same property. There is a property tax calculator for put out by our property appraiser's office. That link is below. Insurance questions are best answered by your preferred insurance company. However, shopping is recommended. A real estate professional can get answers on the previous utility bills if it is a concern. I have had them presented as a condition of the contract.