HOA dues are one of those costs most homeowners just pay without knowing if they are reasonable. This tool gives you a benchmark based on property type and amenities — so you know whether a conversation with your board is worth having.
Property type is the biggest driver. Condos cost more than single-family HOAs because the association maintains the building exterior. Amenities add cost: a pool and fitness center each add meaningfully to monthly dues. The other major driver is reserve funding — well-managed HOAs save for future repairs, and that shows up in dues.
Ask your board: What is our current reserve funding level? A healthy HOA is 70-100% funded. Below 50% is a warning sign. Below 25% means a special assessment is likely coming.
The national average HOA fee is approximately $250-$300/month for a typical single-family home HOA. Condo associations average $300-$400/month. High-amenity communities run $500-$1,500/month. Source: Homeowners Protection Bureau data.
Standard dues cover common area maintenance, reserves (savings for major future repairs), insurance on common structures, management fees, and utilities for common areas. Condo dues typically also cover exterior building maintenance.
Yes. HOA boards typically have authority to increase dues annually. Many HOAs have caps (often 5-15%) written into governing documents. Larger increases typically require a membership vote.
A reserve fund saves money for major future expenses — roof replacement, parking lot repaving, pool resurfacing. Well-managed HOAs are typically 70-100% funded. An underfunded reserve often signals a special assessment is coming.
Request annual financial statements and a reserve study. Look for: reserve funding level 70%+, operating budget vs. actuals comparison, low delinquency rate on dues, and current meeting minutes. Well-managed HOAs keep these records current and share them with homeowners.
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