Homeowners face rising costs from insurance premiums and HOA fees, which many underestimate. Nearly one-third pay HOA or condo fees, with 15% paying $500+ monthly. Insurance premiums rose 70% from 2019 to 2025, pushing thousands into mortgage delinquency. HOA fees also increased significantly, deterring some buyers, yet two-thirds of new homes have HOAs. Buyers should factor these costs into budgets and...