Buying a home is the dream of many U.S. residents, and there are some advantages, including the fact that the money you pay to live there builds equity. However, there are a lot of costs that come with owning a home that may make you want to stick with renting.

When you own a home, you are responsible for the property taxes, which can be thousands of dollars a year on top of your monthly mortgage payments. When you rent, the landlord pays the taxes.

Most people who rent get some of their utilities paid. Trash service is a common expense that landlords pay, and some pay for water and sewer service. When you own a house, you pay all your utilities, from your cable bill right down to the right to flush your toilet.

When you rent and something breaks, you just call your landlord or super, and it’s usually fixed or replaced within a day or two. When  you own your own home, however, all those costs are borne by you. If the toilet breaks, it’s you who has to pay for the plumber. Need a new refrigerator? That will be $1,000 (or more), please.

Another cost many people don’t think about when considering buying vs. renting is upkeep.  Your landlord trims the grass and shrubs and scoops snow. When you own a home, you either have to do it yourself or pay someone to do it. And even if you do it yourself, there are still costs for equipment and materials.