06/29/2026
One of the biggest surprises for many first-time home buyers isn't the mortgage—it's everything else.
While many buyers focus on saving for a down payment, it's just as important to budget for closing costs, property taxes, homeowner's insurance, and other expenses that come with homeownership.
This visual provides a quick overview of how those costs can vary across common East Bay home prices.
Understanding the full financial picture before you start shopping can help you make more informed decisions and avoid unexpected surprises.
If you're considering buying a home in the East Bay in 2026, I've written a complete guide that breaks down these costs in more detail, including closing costs, insurance, HOA dues (when applicable), and other expenses buyers should be aware of.
I'd love to hear from homeowners and recent buyers: What home-buying expense surprised you the most?
Read the full guide: https://www.ninabost.com/post/hiddenfeesmostbuyersdontexpect