How do you go about answering a question of this nature?
There are many variables that go into the answering of this question.
All cities and utilities are not the same from city to city.The method the utility would use to turn the amount of energy into dollars would determine the amount you would pay each month. A KW in some cities might be higher than those of other cities. You might use 15 KW per month at the rate of $5.00.
If you have decided on a city to purchase your first house you might consider writing, calling or finding he utility on line to determine what each KW, gallon or other method the utility would charge based on usage. These utilities would have a chart that would indicate their method of collecting and an approximate cost of utilities in the city you have decided to purchase your house in.
You might be frugal in the use of utilities whereas others might leave the TV set on all night and not turn off the lights during daylight hours. Since this is the case a person living in an identical house might pay a lot difference in their utilities than you.
Do not allow this to be a reason for not purchasing a house. If you are using a certain amount of energy currently, this would be about the same as you would be using in a new home for you and your family.
You should contact a mortgage lender to apply for a mortgage loan to get you and your wife pre-approved for a mortgage loan. After your pre-approval you would then be prepared to contact a real estate agent to assist you in locating a home for you and your wife.
I hope this has been of some benefit to you, good luck.
"FIGHT ON"