Mortgage payments are composed of: principal, interest, taxes, and insurance. Some people may have their HOA dues also bundled in, but most don't. In any case, HOA dues are usually pretty small (like less than $500 per year), unless you live in a condominium or a neighborhood with really expensive stuff owned by the HOA, in which case they can sometimes exceed the other components of the mortgage payment.
Most folks in the United States have fixed rate mortgages. So at the very least, the two largest portions of a person's payment will not go up: principal and interest.
The last two (or three, if you include HOA dues) generally go up over time, especially in places like Texas that use property taxes in lieu of a state income tax. Insurance will go up too, as the actual amount the policies cover (e.g. the cost of replacing the house) rise over time as well.
Of course, maintenance goes up over time as well--as do utilities. Not part of the mortgage but certainly part of the cost of living in a house over time. Value often increases over time as well but this isn't cash in hand over the course of living in a house.
> Value often increases over time as well but this isn't cash in hand over the course of living in a house.
You can "cash out" the value increase without having to actually sell the property by remortgaging the house, but that only makes sense when rates are low.
Most folks in the United States have fixed rate mortgages. So at the very least, the two largest portions of a person's payment will not go up: principal and interest.
The last two (or three, if you include HOA dues) generally go up over time, especially in places like Texas that use property taxes in lieu of a state income tax. Insurance will go up too, as the actual amount the policies cover (e.g. the cost of replacing the house) rise over time as well.
Edit: here's a concrete example: https://imgur.com/a/cGQm4U0