> State Farm says to budget 1-4% of the value of a house for annual upkeep costs. You're significantly below that it sounds. Certainly far below, maybe like 0.

> State Farm says to budget 1-4% of the value of a house for annual upkeep costs. You're significantly below that it sounds. Certainly far below, maybe like 0.1% Although basing it on the market value doesn't make much sense since housing prices cycle wildly up and down, whereas maintenance just increases with inflation.