Someone buying a single-family home in the Washington area now would face an average of $1,293 in monthly housing costs, according to figures from the National Association of Realtors.

The average principal and interest payment is $1,020, down from $1,048 at midyear because of the recent decline in interest rates. Average monthly costs for property taxes were calculated at $113; for utilities, $139; and for insurance, $21.

Nationwide, total housing costs for recently purchased homes represented 47.7 percent of average household income. This compared with 49 percent at midyear, the NAR said.

In the study of the country's 15 largest metropolitan areas, Washington ranked fourth in housing costs after San Francisco, Los Angeles and New York. San Francisco's monthly average total housing cost was $1,872. Of the cities surveyed, Detroit had the lowest monthly costs at $859.

The average price of resold single-family homes in Washington was $104,200 in the most recent survey, up 6 percent from $98,300 a year earlier. The average price for the country as a whole was $82,400, an increase of 3.4 percent from a year ago.

San Francisco had the highest average price, $147,100 while Detroit the lowest, $54,600.