Many people live in rental markets where rent increases are more than 10%. At least if you own there is some upside at the end of it. And you can estimate how much your upkeep will rise over the years.
You can figure on property taxes and insurance gradually but steadily increasing. Maintenance is more variable but you tend to get a general sense for it over time (although you can have unexpected big bills).
In general, I live in quite an old house (1800s) and figure it probably costs me a good $15K/year in taxes/insurance/maintenance/other upkeep not to go into maintenance debt. Can be a lot more or somewhat less.
