I can tell you our costs as homeowners for your points, in case that helps you:
- Property tax: €125 per quarter => €42 per month
- Electricity costs: €100 per month (and with 4200 kWh per year, I think we already have a fairly high consumption)
- Water: €25 (we also have a consumption of 120m³/year)
- Heating: €60 per month
- Waste collection: €21 per month
- Sewage: €35 per month
- Household insurance: €20 per month
- Building insurance: €36 per month
- Reserves for repairs etc.: €200 per month
- Internet + phone + TV: €40 per month + €40 Sky
- GEZ: €17.50 per month
What we have in addition:
- Chimney sweep: €12.50 per month
Otherwise, I can’t think of anything else right now...
As I said, in my eyes your electricity consumption is set way too high. We really use a lot of electricity (2 refrigerators, 2 freezers, TV running a lot, PC sometimes on overnight, cooking often twice a day due to work,...) and in 10 years we have never gone over 4200kWh.
Water consumption is identical to ours (also 2 small children), but for us you can’t get by with €47 per month including sewage – we have just under €60 per month.
The rest is realistic, although reserves can be set lower at the beginning – if you’re building new everything is new – so there shouldn’t be any major repairs needed in the first 20 years. Reserves yes, but not €1800 per year. You can definitely invest 50% of that in higher repayments, and over the term save quite a bit of money. My personal opinion!