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Here's your money briefing for Tuesday, December 31st. I'm J.R. Waylon for the Wall Street Journal.

Many prospective homebuyers are finding the numbers are stacked against them. Property taxes and

home insurance costs are in some cases bigger than their monthly mortgage payments. A lot of those people might already be stretched thin in terms of what they can afford.

And so if those other costs end up climbing more than they expect, that could make it hard

for those homeowners to stay in their homes or if they're hoping to refinance, if mortgage rates go down, it might make it harder

for them to qualify.

Wall Street Journal Housing Reporter Nicole Friedman will join us after the break.

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The cost of repairs and rebuilding following natural disasters in certain parts of the country is affecting homeowners nationwide. Wall Street Journal reporter Nicole Friedman joins me.

Nicole, how much have property tax and home insurance costs risen recently?

The latest analysis from Intercontinental Exchange shows that for homeowners who pay their taxes

and insurance as part of their mortgage, they're paying 32% of their overall mortgage payment

...