In 2006, the average monthly shelter cost for renter households was $728 and for owner households it was $998. For owners without a mortgage it was lower at $455 and for owners with a mortgage it was higher at $1393. Shelter costs are the average monthly total of all shelter expenses paid by households to secure shelter. Shelter costs for owners may include the mortgage payment, property taxes, condominium fees and the costs of electricity, heat and municipal services. Shelter costs for renters may include rent and the costs of electricity, heat and municipal services. The map shows by census division the average owner’s major (monthly) payments on shelter costs for households with a mortgage.