10 US Cities With the Highest HOA Fees — Is Yours on the List?

Homeowners’ associations often provide valuable perks, from landscaping and security to access to pools, clubhouses and private amenities. But those conveniences come at a cost, and HOA fees are climbing in many parts of the U.S., adding another layer to already stretched housing budgets.

A new Realtor.com analysis found that 44% of home listings now come with HOA fees, up from 34% in 2019. While the national median fee is $135, many homeowners pay far more — especially in several Florida metros, which dominate the list of areas with the highest HOA fees.

Here are the U.S. cities where HOA fees are the highest today, according to the report.

• Median listing price for homes with HOAs: $425,000
• Median HOA fee: $617
• HOA fee as percentage of mortgage payment: 26.9%

• Median listing price for homes with HOAs: $435,000
• Median HOA fee: $532
• HOA fee as percentage of mortgage payment: 22.7%

• Median listing price for homes with HOAs: $648,000
• Median HOA fee: $711
• HOA fee as percentage of mortgage payment: 20.3%

• Median listing price for homes with HOAs: $450,000
• Median HOA fee: $475
• HOA fee as percentage of mortgage payment: 19.6%

• Median listing price for homes with HOAs: $439,900
• Median HOA fee: $449
• HOA fee as percentage of mortgage payment: 18.9%

• Median listing price for homes with HOAs: $748,000
• Median HOA fee: $679
• HOA fee as percentage of mortgage payment: 16.8%

• Median listing price for homes with HOAs: $479,900
• Median HOA fee: $379
• HOA fee as percentage of mortgage payment: 14.6%

• Median listing price for homes with HOAs: $323,990
• Median HOA fee: $255
• HOA fee as percentage of mortgage payment: 14.6%

• Median listing price for homes with HOAs: $470,000
• Median HOA fee: $329
• HOA fee as percentage of mortgage payment: 13%

• Median listing price for homes with HOAs: $399,900
• Median HOA fee: $278
• HOA fee as percentage of mortgage payment: 12.9%

Editor’s note: Data was sourced from Realtor.com and is accurate as of Jan. 27, 2026.