Listing data was last updated from MyStateMLS Oct 29, 2026, 10:31 PM UTC. The newest changes may take a little longer to appear.

Ski home ownership budget

Add up what a mountain home really costs each month and each year: mortgage, taxes, insurance, HOA, plowing, heating and the rest.

Fill in what you know from the listing, the association documents, your lender and your insurer. If the HOA or resort fee already covers something (plowing, insurance, utilities), tick “already covered” so it is not counted twice.

Mortgage principal and interest

Per

Property tax

Per

Homeowners or condo insurance

Per

Already covered by the HOA, condo, resort fee or lot rent (shown, not added again)

HOA or condo association fee

Per

Resort, club or community fees (as stated in the documents)

Per

Already covered by the HOA, condo, resort fee or lot rent (shown, not added again)

Lot rent (manufactured home communities)

Per

Snow plowing and roof snow removal

Per

Already covered by the HOA, condo, resort fee or lot rent (shown, not added again)

Heating (propane, oil, wood, electric)

Per

Already covered by the HOA, condo, resort fee or lot rent (shown, not added again)

Winterizing and freeze protection

Per

Already covered by the HOA, condo, resort fee or lot rent (shown, not added again)

Other utilities (power, water, sewer or septic service, internet)

Per

Already covered by the HOA, condo, resort fee or lot rent (shown, not added again)

General home maintenance and repairs

Per

Already covered by the HOA, condo, resort fee or lot rent (shown, not added again)

Caretaker or property checks while away

Per

Already covered by the HOA, condo, resort fee or lot rent (shown, not added again)

A mudroom with ski boots, helmets and skis in wooden cubbies

Costs that surprise new owners

Snow removal on a long driveway, roof shoveling after big storms, heating an empty house all week, and a caretaker to check on it. Ask the seller for last winter's bills, and read the association budget for what dues cover.

Mortgage calculator Due-diligence checklist