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Call Guthrie Group Homes, Real Estate at (925) 628-2436 | DRE #01117537Guthrie Group Homes, Real Estate - Keller Williams East County
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The True Cost of Homeownership: What You Pay Beyond the Mortgage

February 9, 2026 By Libby Guthrie Leave a Comment

The True Cost of Homeownership - What You Pay Beyond the Mortgage

When most homebuyers calculate whether they can afford a new home, they focus almost exclusively on one number: the monthly mortgage payment. It’s the figure lenders qualify them for, the number discussed during showings, and the benchmark used to determine budgets. The average annual cost of owning and maintaining a single-family home in the U.S., […]

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Filed Under: Homeowners Tagged With: First-Time Home Buyers, Home Buyer Tips, Homeowner Tips

2026 US Housing Market Forecast

January 12, 2026 By Libby Guthrie Leave a Comment

2026 US Housing Market Forecast

Will the Market Find Its Footing? Will 2026 be the year buyers stop waiting? Forecasters are split, predicting anywhere from 1.7%1 to 14%2 growth in home sales. That 12-point gap reveals the central question facing the housing market: how much will slightly lower mortgage rates and slowly eroding lock-in effects actually unlock pent-up demand? Nearly […]

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Filed Under: Real Estate Tagged With: California Real Estate, Market Update, Real Estate Market

Our Top 10 Christmas Movies of All Time

December 8, 2025 By Ken Guthrie Leave a Comment

(Originally published on December 12, 2020. Updated on December 8, 2025) Libby and Ken’s 10 Favorite Christmas Movies We find every Christmas season that when we get together with friends the subject of favorite and “best” Christmas movies comes up. People love to talk about this subject! We actually went online to see if there […]

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Filed Under: Seasonal Tagged With: Christmas, Holidays

Top 10 Christmas Songs of All Time

December 8, 2025 By Ken Guthrie 1 Comment

(Originally published on December 1, 2020. Updated December 8, 2025) Christmas songs and carols are just as much a tradition as Christmas movies, and since we previously did our Top 10 Christmas movies, we thought it would be a good idea to do music this time, thus the title, Top 10 Christmas Songs of All […]

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Filed Under: Seasonal Tagged With: Christmas, Holidays

Planning Your 2026 Real Estate Moves: A Guide to the Best Buying and Selling Seasons

December 8, 2025 By Libby Guthrie Leave a Comment

Planning Your 2026 Real Estate Moves

Timing isn’t everything in real estate, but it can mean the difference between saving $20,000 or paying a premium, selling in 30 days or waiting three months, and negotiating from a position of strength or uncertainty. As we look toward 2026, understanding seasonal patterns has become more critical than ever. With inventory levels normalizing and […]

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Filed Under: Real Estate Tagged With: First-Time Home Buyers, Home Buying Tips, Home Seller Tips, Homeowner Tips

Can You Really Trust Online Home Estimates?

November 10, 2025 By Libby Guthrie Leave a Comment

Can You Really Trust Online Home Estimates

For millions of homeowners, checking their Zillow Zestimate has become as routine as checking a stock portfolio, a quick hit of seeing your home’s estimated value, right at your fingertips. With 178 million monthly users and over 100 million homes covered, the platform’s instant, free, and convenient appeal is undeniable. But here’s a famous cautionary […]

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Filed Under: Real Estate Tagged With: California Real Estate, Home Seller Tips, Homeowner Tips

How to Spot Real Estate Scams (and Protect Your Investment)

October 13, 2025 By Libby Guthrie Leave a Comment

How to Spot Real Estate Scams

Real estate scams are targeting more victims than ever before, and they’re becoming increasingly sophisticated. Nearly 10,000 Americans fell victim to real estate fraud in 2024, losing over $173 million according to FBI reports.1 Even more concerning, about one in four home buyers or sellers encounter suspicious activity during the closing process, and one in […]

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Filed Under: Real Estate Tagged With: First-Time Home Buyers, Home Buyer Tips, Home Seller Tips, Homeowner Tips

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guthriegrouphomes

Libby Guthrie, Realtor
@ Keller Williams 865-966-5005
🏡 Helping You Make the Move to Knoxville
📱 Cell: 865-364-0200
🏡 Good People, Great Homes!

𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗮𝗻𝗱 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗧𝗮𝘅 𝗜𝗻𝗰𝗿𝗲𝗮𝘀𝗲𝘀 😱⁣ ⁣ Think yo 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗮𝗻𝗱 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗧𝗮𝘅 𝗜𝗻𝗰𝗿𝗲𝗮𝘀𝗲𝘀 😱⁣
⁣
Think your mortgage payment is locked in? Think again. 🔒⁣
⁣
While your fixed-rate mortgage provides payment stability, the escrowed components—taxes and insurance—aren't so stable. As of December 2025, the average insurance premium for a new policy rose 8.5% year-over-year. Climate disasters, higher rebuilding costs, and insurer risk recalibration continue driving these increases with no signs of reversing.⁣
⁣
Property taxes aren't truly fixed either. The average reached $4,271 in 2024, with many homeowners seeing increases of 16% or more. Even where tax rates stay flat, rising home values keep actual bills climbing—creating the irony that your home's appreciation increases your annual expenses.⁣
⁣
The reality: A homeowner can receive a letter from their mortgage servicer saying their payment is increasing $200-300 because insurance premiums rose and the property was reassessed—without moving, refinancing, or renovating. No action taken, yet annual housing costs just jumped $2,400+.⁣
⁣
💡 Takeaway: When budgeting for homeownership, expect these "fixed" costs to rise. True stability requires planning for volatility.⁣
⁣
Link in Bio⁣
⁣
Libby Guthrie, REALTOR® 🏡⁣
Cell: 865-364-0200⁣
Keller Williams 865-966-5005⁣
GGHKnoxville.com⁣
Libby@GuthrieGroupHomes.com⁣
⁣
⁣
#RealEstate #Homeownership #PropertyTaxes #HomeInsurance #RealEstateTips #HomeBuying  #HousingCosts #knoxvilletn
Your mortgage payment is only part of the story. 🏡 Your mortgage payment is only part of the story. 🏡⁣
⁣
Most homebuyers focus exclusively on their monthly mortgage payment when calculating affordability. But here's the reality: that payment typically represents only 70-80% of what homeownership actually costs each month.⁣
⁣
The average cost of owning and maintaining a single-family home in the U.S., excluding the mortgage, is estimated at around $21,400 in 2025—roughly $1,800 per month. When you factor in these costs, a $2,500 monthly mortgage can grow to over $4,000 in total housing costs.⁣
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💡 Key takeaways:⁣
⁣
-	Nearly 45% of homeowners report post-purchase regrets, most commonly due to higher-than-expected maintenance and hidden costs⁣
-	Insurance and property taxes continue rising annually—sometimes jumping $200-300/month in a single year⁣
-	Home maintenance now averages around $8,800 annually, with first-year owners often facing higher costs⁣
-	The solution? Budget for mortgage PLUS approximately $1,800 monthly in carrying costs⁣
⁣
True affordability isn't what a lender approves—it's what lets you sleep well at night when the water heater fails or insurance premiums spike.⁣
⁣
Link in bio⁣
⁣
Libby Guthrie, REALTOR® 🏡⁣
Cell: 865-364-0200⁣
Keller Williams 865-966-5005⁣
GGHKnoxville.com⁣
Libby@GuthrieGroupHomes.com⁣
⁣
⁣
#RealEstate #Homeownership #HomeBuying #FirstTimeHomeBuyer #RealEstateTips #HomeownershipCosts #RealEstateAdvice #HousingMarket
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Hours & Info – Guthrie Group Homes, Real Estate

Location
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Brentwood, CA 94513

Contact Us
info@guthriegrouphomes.com
Office: (925) 628-2436

Broker:
Keller Williams East County

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