There are HOA fees on condos, townhomes, paired homes, and newer communities of single family homes.   Each HOA charges a different fee, and includes different amenities.  


When looking at condos - most HOA fees include the exterior structure and roof, trash, insurance on the building, snow removal and grounds maintenance.   But, there are exceptions.

When looking at townhomes and paired homes - most will include trash, snow removal, insurance for the building, and grounds maintenance, but some don't include the structure and/or roof and you need to see if the water/sewer is paid by HOA or homeowner.

One thing I want to emphasize --- when you buy a condo or townhome, be sure to get HO6 insurance.  This is usually a contents policy covering everything inside the unit.   Also, if there is a special assessment, this will cover all but your deductible.   This can mean a lot if the special assessment runs into the thousands! 

Fees for both condos and townhomes can vary, and it depends on the size of the development.   If it is a larger community, and offers pool, tennis courts, clubhouse and playground, the fees may be lower due to many homeowners paying HOA fees.   A smaller development will have higher fees for the services offered.   If there is a lot of grassy areas, landscaping fees and watering of the grass has increased substantially over the last few years, and will be costly.

When looking at single family homes - these are the lowest HOA fees you will see.   The HOA fees usually only include trash/recycling, but some developments have a community pool and/or tennis courts and maybe even a clubhouse, which increases the fees.


Still have questions?    Give me a call, I can help you understand the HOA fees!