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Depends on your heat source (nat. gas, oil, electric) and how well insulated the house is.
However, car insurance in Arlington is much, much lower than Cambridge, even a few feet over the Arlington line. Much less car crime, and a requirement that no cars be parked on-street from 2a-6a. The insurance rate is about the same as a rural small town 30 mi. west, and that's LOW.
Arlington is a fine place, and congrats on moving there. Sorry I can't help you more, but my time there was in a studio rental.
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