What does the house cost to run?
Running costs are everything that ticks on beyond the loan. Heating is the biggest and most variable post, so start there and add the rest.
Average ~10 500 kr/year, but varies by municipality
Sets the maintenance reserve (rule of thumb ~1 % of value per year)
How we calculate
Running costs are everything ongoing beyond the mortgage: heating, household power, water and sewage, waste, insurance and a reserve for upkeep. For a normal house it often lands around 50 000 kr a year, but heating alone can swing the total by tens of thousands.
Heating decides most of it
The gap between a heat pump (~8 000 kr/year) and direct electric (~40 000 kr/year) is the single biggest in the calculation. So always check the heat source in the listing and the energy declaration before you run the numbers on a house.
Upkeep is a cost even when nothing breaks
Roof, façade, windows and heating wear out and must be replaced over time. A common rule of thumb is to set aside about 1 percent of the home value a year. It is not a bill that arrives every month, but it is money you need to plan for to own safely.
More calculators
Terms used here
Heimer does this for you
Paste a listing and get the monthly cost, the hidden risks, and what to check. In 30 seconds.
Try it free