THE cost of owning and running an average Irish home has risen to nearly €16,000 this year.
The figure has gone up by 2pc since last year, according to a detailed analysis carried out by by AA Home Insurance.
That figure includes the cost of a mortgage of 92pc of the average house price of €170,000.
It also includes the costs of heating, phone and broadband, kitchen appliances, insurance, TV licence and bin charges.
And it also includes the household tax which has increased from a flat €100 last year to an average of €315 and is set to double next year when it applies for the full year.
"The figures are scary when you itemise everything," said AA Director of Consumer Affairs Conor Faughnan.
"Each of the items that we pay for are familiar but when you add them all up it is small wonder that so many households are struggling financially," he said.
The AA estimated the price of an average home in Ireland at €170,000, and it calculated the mortgage cost based on a basket of sample mortgage rates.
Added to that are the prices of all the elements that are necessary to maintain the home.
The figure equates to 44pc of the average current Irish annual wage in Ireland of €36,012.
And the body said that taking today's average house price does not reflect the true burden on those who bought at the height of the boom.
For someone who bought at the average house price in 2007 the cost of running a home is 29pc higher at €21,940.
An increase in the average price of a phone and broadband package from €357 to €419 also contributed to rising costs.
All of these combined had a part to play in the 2pc increase in the cost of living for 2013, with the costs for owning and running an average home set at €15,655.
Heating homes also costs more in 2013 as gas prices have risen on average by €90 per annum for the average usage figure of 20,000 kWh.
Electricity bills hardly changed in 2013 with only a marginal decrease of €18 for the average usage of 5,300 kWh.
By Fiona Dillon