A couple decades ago, we owned an 18th century house in the northeastern US, with some 19th century additions. The mortgage and taxes totaled ~$2.5K per month,

A couple decades ago, we owned an 18th century house in the northeastern US, with some 19th century additions. The mortgage and taxes totaled ~$2.5K per month, and oil heating cost peaked at $500 per month in the winter. It had an historic designation, and insulating it properly would have been impossibly expensive.