Good Numbers for Homeowners to Know

There are many numbers associated with homeownership. From mortgage payments to address to square feet and more, knowing all of them can certainly make your head spin.

Luckily, you don’t have to be a master memorizer to be a master homeowner—there are just a few numbers you should have in mind in order to keep your home in tip-top shape. They’ll help you with everything from emergencies, to right-now maintenance and future planning.

4 times a year.

Your air filters should be replaced at least every three months. A clean filter helps keep your air free of impurities, which is incredibly important if you suffer from allergies or other breathing issues. Clean air also helps your systems run better. We would suggest spending a little more money to buy a higher quality filter when possible, because your air quality isn’t something you want to skimp on.

1 master shut-off valve.

If and when something goes wrong with your plumbing, you want to be able to react as quickly as possible. While all of your plumbing-related items will have their own shut-off valves, such as your toilets and sinks, there is also a master shut-off valve that turns off all water to your home. Be sure to know where yours is so you aren’t scrambling for it in an emergency.

Every 6 months.

That’s how often you should wash your windows, both inside and outside. Many homes these days have window panels that fold inward so you don’t have to haul out your ladder. You don’t need any fancy cleaning materials; soap and water work fine, as does vinegar and newsprint.

2 insurance policies to consider.

Homeowners insurance is a must for any homeowner, but policies don’t always cover damages caused by flood or fire. Check yours to see if these two items are addressed, and if they are not, consider getting separate policies or riders. Even if you don’t live in a flood zone or an area with a lot of wildfires, these issues happen much more often than you would expect.

25 years.

That’s the life span of your average roof. Make a note of how old your roof is, so you know when you should expect to replace it.

Every 12 months.

Every spring or fall (your preference), clean out your gutters so they run cleanly. When gutters become clogged with leaves and debris, they won’t be able to do their jobs of directing water away from the house, which could result in flooding. Make sure your gutters have a slight slope so water will drain properly instead of stagnating.

Every 30 days.

To keep bad odor from infiltrating your kitchen, clean your garbage disposal once a month. Put a handful of ice cubes into the disposal, splash with lemon juice or vinegar and run the disposal until it’s clear. You can also throw orange or lemon peels down the disposal, or purchase cleaning products specific to this task.

120 degrees.

The perfect temperature for your water heater is 120 degrees Fahrenheit. Anything below can be too chilly for your taste; anything above has the potential to scald you in the shower. Higher temperatures will also make your energy bill go up, so even a minor adjustment can save you big money.

By knowing the numbers of your home, you’ll be able to keep all aspects of your home in great shape so that when and if you decide to sell, those numbers will work in your favor.

If you’re in the market to run some numbers on a new mortgage loan, contact KS StateBank today. With the convenience we provide through our online and mobile solutions, our competitive products and services, and our focus on creating positive client experiences, we’re in a great position to help you achieve your homeownership goals.

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