Tina Avallone and her husband are buying a $219,000 home. Their annual housing expenses are: mortgage payments, $15,400; real estate taxes, $3,600; annual homeowner’s insurance premium, $1,895; maintenance on the home, $3,200; and utilities, $3,980. The lost interest on the down payment is $1,001 and the tax savings is $1,976. What is their average monthly expense?