Final answer:
The average monthly housing expense, considering all annual expenses and tax savings, divided by 12, results in $2,183.33 per month. This figure is not one of the provided options, hinting at a potential discrepancy in the question, calculation, or the given choices.
Step-by-step explanation:
To calculate the average monthly housing expense for Mikhail Lomonosov and his wife, we need to total all annual expenses related to home ownership and subtract any savings, then divide by 12 to get the monthly cost.
The annual expenses include mortgage payments, real estate taxes, homeowner's insurance premium, maintenance on the home, and utilities. The lost interest on the down payment is also considered an expense, whereas tax savings are deducted from the total expenses.
Adding up all the expenses gives a total of: $15,400 (mortgage) + $3,600 (real estate taxes) + $1,895 (insurance) + $3,200 (maintenance) + $3,980 (utilities) + $1,001 (lost interest) - $1,976 (tax savings) = $26,200.
Dividing the annual total by 12 to get the monthly expense: $26,200 / 12 = $2,183.33 per month. Interestingly, while this number is not one of the provided options, it can be concluded that there has been an error in the question, calculation, or the options presented.