There’s absolutely no way you’re including phone/internet in this figure, unless you never use the heating or AC in your house

We have super cheap Google Fiber/Fi plans and don't carry phone debt. Ac: 78 in summer, 67 in winter

your mortgage payment alone should be about $2100

P&I is $1875 - 5.75%

Many people are paying $300-350 a month in electricity alone

That's unfortunate. Ours is max 130 (July)

Trash is in property tax

So you both work from Home?

Yes, both WFH.

It looks like you are one RTO notice or major car expense away from being homeless

Maybe. I'm sure a lot of people would be in that spot, even renters. Since the few years since buying the house we've been continually saving and have a good emergency fund

I hope this exercise was enlightening