You are correct. That's why the rent is more expensive, if you buy a house and rent it for exactly your mortgage payment you will lose money due to all those things.

If x is mortgage and y is the average cost of all that stuff then x + y = z where z is the break even point. Now most places make a profit which we will call a. Z + A = rent payment. A lot of people compare rent to X and not Z. Now is A excessive sometimes/usually yes... But rent should always be higher than mortgage to take into account Y.