Looking at the details on Texas, it appears most of the samples were suburbs of major cities or smaller cities near big cities. A lot of the bills were close to mine. My mortgage was significantly cheaper even adding in insurance and taxes, but if I were to buy a new house now, it might be closer to the $1600 listed. I don't pay cable/satellite, but internet is around half of that one. I can usually beat the utilities number, but not in the summer.