Australia here.
If you own a house regardless if you built or purchased an already built house you pay everything. Rates water gas electricity and any insurance you want to have on it.
If you rent a house you only pay electricity, water usage (service charge, waste and parks and recreation water usage are pay by the landlord) internet, gas, and personal content insurance if you choose to have it. Landlord pay all council rates and home insurance and usually renters insurance.
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