How Much Is the Average HOA Fee? (2026 Data)

The average HOA fee in the United States is roughly $250–$300 per month, but that number hides enormous variation. A basic single-family HOA in a rural subdivision might charge $75/month; a full-service condo in downtown Miami might charge $1,200. Here’s what actually drives the number.

“HOA fee,” “HOA dues,” and “condo fee” all describe the same kind of recurring association charge — the exact term people use just tends to track the property type (owners commonly say “condo fee” for a condominium’s monthly charge and “HOA fee” or “HOA dues” for a single-family or townhome association). This guide uses the numbers interchangeably by property type below.

National averages by property type (HOA fee / condo fee)

Property type	Typical monthly range	Why
Single-family home HOA	$100–$300	Association maintains roads, landscaping, and shared amenities — not the homes themselves
Townhome / attached HOA	$150–$400	May include exterior maintenance, roofing, and some shared structural elements
Condo (low-rise / garden) — condo fee	$200–$500	Building maintenance, insurance, and common-area utilities add up
Condo (high-rise / luxury) — condo fee	$400–$1,200+	Elevators, concierge, parking structures, higher insurance, and reserve demands push costs
55+ / active adult community	$150–$500	Amenity-heavy (golf, pools, fitness) but lower maintenance per unit in newer builds

The average condo fee runs meaningfully higher than the average single-family HOA fee, for the same reason noted above: a condo association owns and insures the building structure, not just the grounds. That’s also a real factor if you’re still deciding between buying a condo and renting an apartment — see our condo vs. apartment comparison for how the fee (and the ownership stake it buys you) fits into that decision. These are broad ranges — your specific fee depends on the factors below.

Condos on their own: the 2026 median

Condos run higher than the all-property-type average, and they are climbing faster. A Realtor.com analysis of for-sale listings put the median monthly condo fee at $420 in 2026, up 29% from 2019. Read that against the $250–$300 figure above: the $250–$300 is an average across every kind of association, including single-family HOAs that maintain nothing but landscaping and a private road. The $420 is condos only, and only units listed for sale.

Two forces are pushing the condo number up. Repair and insurance costs have risen sharply, and federal mortgage rules are about to require bigger reserve budgets — Fannie Mae and Freddie Mac raise the minimum reserve allocation from 10% to 15% of budgeted assessment income for loan applications dated on or after January 4, 2027. For a 200-unit association with a $1.2 million budget, that is the difference between $120,000 and $180,000 a year in reserves — about $25 per unit per month, as an illustration. Expect the condo median to keep moving.

What drives HOA fees up (or down)

Location. The single biggest factor. Labor, insurance, utilities, and property values vary dramatically by market. Hawaii, New York City, San Francisco, and South Florida consistently rank among the highest HOA-fee markets. Lower-cost states (parts of the South and Midwest) trend lower.

Amenities. A pool, clubhouse, fitness center, or golf course costs money to operate and maintain. More amenities = higher dues. Communities without these can keep fees under $150/month.

Building age. Older buildings need more maintenance and carry higher insurance premiums. A 40-year-old condo will almost always cost more than a 5-year-old one.

Reserve funding. A well-funded reserve — one that’s steadily saving for future repairs — shows up as a line item in the budget. Communities that under-save on reserves may advertise lower dues today, but they’re setting up owners for a special assessment later.

Insurance costs. The national property-insurance market has tightened significantly since 2023, and associations in Florida, Louisiana, and coastal California have seen premium spikes of 30–100%. Insurance is the single largest line item for many condo budgets.

Management company fees. Professionally managed communities pay for a management company, which adds $10–$25+ per unit per month depending on services.

HOA fees by state

Fees vary widely within every state, but broad patterns emerge:

Region	Typical range	Notes
Florida	$200–$800+	Insurance crisis and 2026 reserve mandates pushing condo fees sharply higher
New York / NJ	$300–$1,000+	High labor, property values, and tax-related building costs
California	$250–$600	Wide range; coastal condos trend higher
Texas	$100–$300	Lower insurance and labor costs in most markets
Colorado	$150–$350	Moderate; ski-area condos can be higher
Hawaii	$400–$1,000+	Island logistics, high insurance, luxury amenity expectations
Midwest (OH, IN, MN)	$100–$250	Lower cost of living keeps fees down
Southeast (GA, NC, SC)	$100–$300	Growing markets; newer communities with moderate amenities

These are approximations — a luxury condo in any state can exceed these ranges.

Are low HOA fees a red flag?

Sometimes. A fee well below comparable communities could mean:

• Underfunded reserves — the board is deferring savings, which leads to special assessments when something breaks
• Deferred maintenance — the community is putting off needed repairs
• Minimal insurance — the association may be underinsured

Ask for the reserve study and the current budget before assuming low fees are a good deal. A community with $300 monthly dues and a fully funded reserve is in better shape than one charging $150 with no reserves.

How to find out HOA fees before buying

• Listing sites — Zillow, Realtor.com, and Redfin often show HOA fees, but the data can be outdated. Confirm with the source.
• Resale disclosure package — in most states, the seller or association must provide the current budget, financial statements, and governing documents before closing.
• Ask your agent — a buyer’s agent should pull the HOA financials as part of due diligence.
• HOA management company — contact them directly for the current fee schedule.

Also check whether the dues include utilities (water, trash, cable) that you’d pay separately in a non-HOA home. That changes the apples-to-apples comparison.

Can HOA fees go up?

Yes, and they usually do — typically once a year when the board adopts a new budget. Most CC&Rs allow the board to raise dues within a certain percentage without a member vote. For more, see can an HOA raise dues without notice?. When a board does need to communicate a fee change or special charge, a well-drafted HOA assessment letter helps owners understand the amount, purpose, and due date.

Fees that keep going up faster than inflation usually point to rising insurance, deferred maintenance catching up, or new state mandates (like Florida’s 2026 reserve requirements).

HOA fees are a separate bill from your property taxes, set by a different party for a different purpose — see HOA fees vs. property taxes for how the two compare, including which one is tax-deductible.

Bottom line

HOA fees are not one-size-fits-all. The “average” is useful for ballparking, but the right question is whether your community’s fee is justified by its budget, reserves, and the services it delivers. If your fees feel too high, our guide on how to lower HOA fees covers practical steps owners and boards can take. Read the budget, check the reserves, and compare against similar communities in your area — that tells you more than any national average.