House and property purchase - What costs are incurred?

I am considering buying a house.

Since I - like many others, surely - am doing this for the first time, I have no knowledge about which costs will arise for the purchase and operation of the house and property.

What types of costs do I have to expect when buying a house? What is due once upon the transfer of ownership (apart from the purchase price)? What is due annually? I am interested in all possible costs that realistically occur.

What types of costs do you have annually? (e.g. sidewalk levy? household insurance? gardener? maintenance? heating?)

For the purchase, real estate transfer tax + notary fees + financing costs apply ==> there are also calculators for this on the internet (just search for it;)). Otherwise, all costs apply to the land that you also have with a rental apartment: - insurances (building, household) - ongoing costs such as property tax, garbage, street cleaning, water, wastewater, electricity, gas, oil, heating maintenance, chimney sweep, etc. (check out the Betriebskostenverordnung, there is a lot in there - although it is intended for apartments, it is identical for houses) - reserves for maintenance/repairs

Great, thank you, Nordanney! Those are already quite a few things.

As a tenant, I am pretty untouched by these costs. I pay the additional costs statement and don’t know much more. That’s why my question might seem a bit naive.

I am especially interested in a brainstorming session. Maybe there’s an additional chunk you have to reckon with, but that’s not immediately on your radar. (I’d say something like "Winterstreudienst," for example. In summer, you might not think of that right away.)

Yes, you pay your utility bill. However, if the landlord does it correctly, he also passes on all the costs to you that you would have with a house.
You usually have to do winter service yourself at the house (after all, you have healthy arms and a snow shovel ;)). Of course, you can also have someone come who takes care of it for you for a fee.
As mentioned, the types of costs are almost 1:1 transferable from the apartment to the house. However, the amount is not, as, for example, street cleaning has to be paid by you alone and not divided among several parties. Also, the insurance premiums tend to be higher because higher values have to be insured.

The things you might be thinking of now are self-inflicted. For example, annual replanting of the garden, fertilizing the lawn, improvements in the house, repairs (which the landlord would take care of in the rental apartment) and similar.

Furthermore, you have purchases that you as a tenant may not have needed before. (lawn mower, gardening tools, rain barrels, garden hose, irrigation costs, etc.)

In addition, you may not want to live in the house in the same way as the previous owner did. Depending on the condition of the house (renovation/preparation) and also the garden may need to be redesigned or reshaped according to your ideas.

Maybe there is also an amount that you have to reckon with, but which is not immediately apparent.

When the street is renovated, a part of the costs is often charged to the residents (= owners of the adjoining properties). This can easily cost four- to five-figure amounts. How high the probability of such a scenario is depends on ...