One of the things about living in the town, only people who could afford to be taxed were taxed, and most of the artisan and lower ranking merchant or professional estates lived in houses which had been paid for in previous generations. There were no ongoing rents. They did have to pay to enter the guild and some ongoing guild fees, as well as to buy armor and weapons for their role in the militia (and sometimes a horse, depending on their craft). But most of the rest of their spending was discretionary. Quite a bit on food, drink and clothing, raw materials for their workshop. And wax or lamp oil, and firewood or charcoal.
Peasants by contrast did have to pay some rent though depending on the region, it was usually low.