HOA fees cost $100 to $700 per month in 2026
HOA fees average about $390 a month, or roughly $4,700 a year, according to the Foundation for Community Association Research, with 43 states in a $300 to $400 band. The spread by property type is wide. A single family home HOA with basic landscaping runs $100 to $300 a month. Townhomes run $200 to $400. Condos and high rises run $300 to $700 and more, because the fee covers the roof, hallways, elevators and building insurance. New York City averages $558 a month and Honolulu $526.
What price guides say
We checked 4 price guides and read every number on their pages on October 7, 2026. They do not all measure the same thing, so read each line for what it counts.
| Source | What it found |
|---|---|
| Condo Control | Condo Control lists a national average near $390 a month, single family HOAs at $100 to $250, townhomes at $200 to $400 and condos at $600 to $900. |
| RubyHome | RubyHome lists $200 to $300 a month for single family homes and $300 to $400 for condos, with New York City at $695. |
| Opendoor | Opendoor lists single family homes at $200 to $300, townhomes at $150 to $400 and condos and high rises at $300 to $700 or more. |
| Gerald | Gerald lists Missouri at $469, Arizona at $448 and Oregon at $433 a month, and Iowa and South Dakota at $150 to $200. |
What pushes the price up
| What | Why it matters |
|---|---|
| Property type | Single family $100 to $300. Townhome $200 to $400. Condo $300 to $700. Luxury high rise $1,000 and up. |
| Amenities | A pool, gym, gate, clubhouse or concierge is the biggest single lever on the fee. |
| Building age and insurance | Older condo buildings pay more for repairs and master insurance. Florida condo fees rose 59 percent from 2019 to 2024. |
| Reserves | Well run HOAs charge more each month to avoid a special assessment later. |
| Location | Missouri, Oregon and Colorado average over $400 a month. Iowa, South Dakota and Wyoming average $150 to $200. |
What the price includes
Single family HOAs cover common area landscaping, entrance and street maintenance, and shared amenities. Condo fees add exterior maintenance, the roof, hallways, elevators, trash, water or sewer in some buildings, and the master insurance policy. Your own unit's interior and your own insurance are not covered. It does not include tax or extras the provider adds on the day.
Who charges this and how it is billed
The homeowners association charges the fee. The board, which is made of owners, sets the amount each year. Fees are usually billed monthly, but some groups bill every three months or once a year, so check before you compare homes. If you do not pay, the HOA can add late fees and, in some places, place a lien on your home. The fee pays for shared costs, such as common areas, repairs and insurance for the building. Ask for the budget and the rules before you buy. Know how a special charge is voted on and billed.
How to judge your quote
- Ask how often the fee is due, monthly, quarterly or yearly.
- Ask what the fee covers, such as trash, water, roof, pool or insurance.
- Ask for the last 3 years of fee changes and any special charges.
- Ask to see the reserve study. A fair HOA saves money for big repairs.
- Compare the total with the range above: $100 to $700 per month for most people in 2026.
Ways to pay less
- Ask for the reserve study and the last 3 years of fee history before you buy. Rising fees and thin reserves mean a special assessment is coming.
- Compare the fee to the amenities you will use. A $350 fee for a pool you never swim in is a bad deal.
- Ask if the fee is monthly, quarterly or yearly. Listings mix them up.
- Run for the board or attend meetings. Fees are set by owners, and waste is easier to cut from inside.
How we got these numbers
The range on this page comes from Condo Control, RubyHome, Opendoor and Gerald. We opened each source page and read every number on it on October 7, 2026. Where the sources disagree, the table above shows each one so you can see the spread. These are planning ranges, not quotes. The written price you are given is the real price.
Common questions
How much are HOA fees per month?
Opendoor lists $200 to $300 for single family homes and $300 to $700 or more for condos. Condo Control lists a national average near $390.
Are HOA fees worth it?
They can be, if you use what they pay for, like a pool or lawn care. A high fee for things you never use is a poor deal.
Can HOA fees go up?
Yes. The board sets the fee, so it can rise, and a special charge can come for a big repair.
Is there a cheaper way?
Pick a home in a community with fewer shared items. Gerald lists Iowa and South Dakota at $150 to $200 a month.