There are lots of often overlooked costs to own a home. I have been 15 years in my place, and now I get some advantages e.g. my loan is fixed so the monthly cost is roughly the same as 15 years ago... in a place like San Francisco, it is nice.

The property tax goes up slightly every year, but not faster than inflation.

There are recurring things to maintain (repaint every ~10 years), the roof has been patched about 10 years ago, might need a new coat eventually.