There are many things to consider as you buy your first home, but one factor that frequently gets overlooked is the cost of utilities on a home versus an apartment. First, consider that apartment livers often don't pay every utility on the apartment. For example, they may be electricity, gas and even water, but they usually don't pay for things like trash pick up or sewer and sanitation.
Also consider that the home you buy will likely be larger than the apartment you're living in. Some first time homebuyers are shocked to discover that the utilities in their new home are double the amount they were in their apartment. Do the math and make a good estimate before you decide how much of a home you can afford.