New vs Resale Carrying Cost Worksheet
Compare Homes on What They Really Cost
A new build and a resale at the same price can cost very different amounts to own. This free fill-in worksheet puts the two side by side so you compare the full carrying cost, not just the sticker price.
Download the Free Worksheet (PDF)
The worksheet covers:
- Purchase price, property taxes, CDD, and HOA
- Homeowners and flood insurance
- Lawn care, window treatments, fence, and appliances new builds often need
- Roof and AC age, repairs, and builder warranty vs inspection findings
- A line to total your real monthly cost for each home
The Costs Buyers Miss
New construction taxes reset higher after the sale, lot premiums add up, and CDD fees are common. Resale homes may need updates but often include mature landscaping and lower or no CDD. The worksheet makes the trade-offs clear.
Download the Free Worksheet (PDF)
Want Help Filling It In?
Send us two homes you are weighing and we will plug in real local numbers for taxes, insurance, and fees.
Phone or text: 941.867.8667
General planning information, not financial advice. Costs vary by property and change over time. Updated June 2026.