Hidden homeownership costs

Homeowners in North Carolina spend an average of over $17,000 a year on upkeep and other "hidden expenses," according to a Bankrate study.

Why it matters: Overlooked costs, beyond mortgage payments, can surprise unprepared homeowners.

By the numbers: Across the U.S., the average annual cost of owning a single-family home is $21,400 this year.

• That sum includes property taxes, insurance, utilities/energy, internet/cable and maintenance.