How Much HOA and Other Fees Will Cost Homebuyers in 14 Cities

Homeowners associations (HOAs) have exploded in popularity across the United States over the past few decades. These residential communities come with shared amenities and services but also mandatory monthly fees that can put a dent in your budget. Just how much are we talking? 

The latest data from RubyHome Real Estate reveals there were around 365,000 community associations nationwide as of 2023, housing a whopping 75.5 million residents across 28.2 million units. That means more than 1 in 4 Americans are living that HOA life.

Of course, HOA fees can vary drastically depending on where you live and what kinds of amenities your community offers. In luxury markets such as New York City and San Francisco, be prepared to shell out over $400 per month. But, fear not, fees are much more affordable in other major metros.

If you’re a prospective homebuyer sizing up properties in HOA communities, don’t just look at the monthly fees. You’ll also want to consider what percentage of the state’s population actually lives in HOAs to gauge just how common they are in that area.

Of course, these fees can vary significantly within each city and community. It’s also not uncommon for additional fees to be charged for services such as trash collection, security or maintenance of common areas. Whether you go with an HOA or not, it’s important to go in with eyes wide open about the costs — and benefits — associated with them.

Here’s a rundown of the average monthly HOA fees and related stats for 14 major U.S. metro areas to help you budget accordingly.

Information comes from Foundation for Community Association Research and the American Housing Survey.

Also see how HOA fees are making your home more unaffordable.

• Mean Monthly HOA Fee: $117
• Population in Georgia living in HOA: 21.8%  
• Average Annual Property Tax in Georgia: $3,262

• Mean Monthly HOA Fee: $444
• Population in Massachusetts living in HOA: 23.8%
• Average Annual Property Tax in Massachusetts: $4,535

• Mean Monthly HOA Fee: $312
• Population in Illinois living in HOA: 30.0%
• Average Annual Property Tax in Illinois: $9,006

• Mean Monthly HOA Fee: $98
• Population in Texas living in HOA: 20.6%
• Average Annual Property Tax in Texas: $4,777

• Mean Monthly HOA Fee: $114  
• Population in Michigan living in HOA: 14.1%
• Average Annual Property Tax in Michigan: $7,370

• Mean Monthly HOA Fee: $127
• Population in Texas living in HOA: 20.6%  
• Average Annual Property Tax in Texas: $4,777

• Mean Monthly HOA Fee: $366
• Population in California living in HOA: 35.6%
• Average Annual Property Tax in California: $5,347

• Mean Monthly HOA Fee: $283
• Population in Florida living in HOA: 44.5%
• Average Annual Property Tax in Florida: $6,489

• Mean Monthly HOA Fee: $653
• Population in New York living in HOA: 18.8%
• Average Annual Property Tax in New York: $3,407

• Mean Monthly HOA Fee: $171
• Population in Pennsylvania living in HOA: 10.3%
• Average Annual Property Tax in Pennsylvania: $7,087

• Mean Monthly HOA Fee: $148  
• Population in Arizona living in HOA: 30.5%
• Average Annual Property Tax in Arizona: $2,520

• Mean Monthly HOA Fee: $390
• Population in California living in HOA: 35.6%  
• Average Annual Property Tax in California: $5,347

• Mean Monthly HOA Fee: $189
• Population in Washington living in HOA: 31.0%
• Average Annual Property Tax in Washington: $3,193

• Mean Monthly HOA Fee: $193
• Population in District of Columbia living in HOA: 20.0% 
• Average Annual Property Tax in District of Columbia: $3,699