Example: pTax. (HOA is similar.) If house xx is cheaper than yy  by 30k but pTax is $1000/y more, then would you subtract 5 yeas of extra tax from the price difference, and conclude xx is about 25k cheaper?

No.

Suppose there’s a home zz that’s 25k cheaper than yy (5k more expensive than xx) and same pTax as yy ($1k less than xx). zz would be better than xx even if we plan to sell our home in 5 years.

Reason — the 5k price difference is likely to be recovered when you resell.

In other words, the 5k extra running cost can’t contribute to the resale price.

• –other running costs:
• private high school cost if the local high school is not so good
• higher heating cost due to electric
• maintenance of yard, basement..
• higher commute cost
• parking cost if your home doesn’t provide one

Consider 5k additional sales price vs 5k additional commission.