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When you’re house hunting, your brain is probably buzzing about mortgage rates, down payments, and closing costs. But here’s a curveball—have you thought about Homeowners Association fees? If not, you’re not alone. Depending on where you buy, these fees could show up like an unexpected guest on your monthly budget.

What’s an HOA, Anyway?

Think of a homeowners association as the neighborhood’s caretaker. It’s a group that manages the community’s shared spaces, enforces rules, and keeps everything looking sharp. Some buyers love the extras that come with an HOA, while others cringe at the idea of paying a fee on top of their mortgage. So, what’s the real deal?

The Perks of Living in an HOA Community

Ever admired a neighborhood with pristine lawns, sparkling pools, and streets that look like a postcard? Chances are, an HOA is behind that magic. Here’s why HOAs can actually be a win:

• Neighborhood Maintenance: Forget mowing your lawn or shoveling snow. HOAs often handle landscaping and upkeep of common areas, keeping the community neat year-round.
  
  
• Access to Amenities: Pools, clubhouses, gyms, even private security—these perks come standard in many HOA communities. Think of it as a mini resort in your backyard.
  
  
• Protecting Your Investment: HOAs enforce rules that stop neighbors from letting their homes fall into disrepair, which means your property value is protected.
  
  
• Less Headache: In some places, HOAs even cover exterior repairs like roof maintenance. That’s less stress and fewer surprise expenses for you.
  

HOA Fees Are Everywhere—Especially in New Neighborhoods

Wondering how common HOA fees really are? Well, according to the Wall Street Journal, over 80% of newly built single-family homes have an HOA. Even older homes might come with fees—Axios reports nearly 4 out of 10 homes had HOA fees in 2024.

So yes, these fees are very much part of today’s housing market, and they vary widely. The median monthly fee is around $125, but it can be more or less depending on the community and what’s included.

How HOA Fees Should Shape Your Home Search

Here’s a pro tip: when you’re shopping for a home, ask your agent about HOA fees upfront. Find out if there are monthly or quarterly dues, what the fees cover, and any rules you’ll need to follow. It’s not just about the extra cost—it’s about whether those fees bring value, like access to amenities or peace of mind.

As Danielle Hale, Chief Economist at Realtor.com, puts it:

“When considering a home with an HOA, buyers should work to understand what benefits it provides like maintenance, security, or communal amenities, and how the HOA fees factor into their overall budget.”

HOA fees aren’t just “extra bills.” They’re a package deal—sometimes you get great perks, and other times you get restrictions. Before you sign on the dotted line, make sure you know exactly what you’re paying for, how it fits your lifestyle, and what rules you’ll need to live b

Ready to find the perfect home—HOA fees and all? We’re here to help you navigate every detail.

Call or text us at 855-935-MORE and let’s make your home buying journey smart and stress-free.