Kind of feels like if you're noticing $1K here and $500 there, maybe $42K is too much to start with :)
So you're right. If the $42K price tag didn't make you blink, the additional $2700 in tax, and the $2K to $3K for the work in your house are going to financial hiccups. But it means the cost to start is $50K, not just the price tag.