Climbing from 34.3 percent in 2019 to 43.6 percent in 2025, these homes are now part of a growing trend where HOA fees are becoming part of the total cost of buying a home.
“HOAs are no longer confined to condos or brand-new developments,” Realtor.com senior economist Joel Berner said in the report.
“The HOA-heavy construction boom earlier in the decade is now filtering into the existing-home market, and many of those newer communities were built with shared amenities, private roads, and common spaces that require ongoing maintenance.”
Berner noted that rising insurance costs, more stringent building safety standards, and higher labor and material costs are also prompting associations to raise dues. According to the report, median HOA fees nationwide rose to $135 in 2025, up from $108 in 2019, while higher-priced homes in more affluent communities can garner much more.
In Naples–Marco Island, Florida, the median price for a home with an HOA is $648,000 and carries a median HOA fee of $711 per month. Six other Florida locations, including Miami, Cape Coral, and Port St. Lucie, all feature HOA fees of more than $450 a month.
“Florida is a clear outlier when it comes to HOA costs,” Berner said. “Between rising insurance premiums and stricter safety and reserve requirements, many associations are facing higher operating expenses that ultimately get passed on to homeowners.”
The median HOA fee in the Hilo–Kailua, Hawaii, metropolitan area is $679 for a median-priced home of $748,000. On the lower end, median HOA costs are just $255 monthly in the Myrtle Beach, South Carolina, metro, where median home prices are $323,990.
In terms of HOA prevalence, Nevada leads the nation with 68.3 percent of all listings now subject to an HOA fee. At the other end is South Dakota, with just 12.3 percent of listings carrying HOA fees.
Regionally, the report shows that the West and the South have more homeowners’ associations, and, as a result, have seen the largest increase in HOA share since the COVID-19 pandemic. Both areas also experience higher levels of new construction, as new developments tend to elicit HOA fees. Typically, these developments offer amenities such as a pool, gym, community center, sports courts, and more.
In fact, nearly 68 percent of new builds now come with HOA fees, compared with just 39 percent of existing homes.
While HOAs remain far more common among condominiums and townhomes, nearly 33.4 percent of single-family homes now carry these fees. For condos and townhomes, nearly 85 percent are subject to monthly fees.
Those single-family homes with HOAs tend to be larger and more expensive, with a median size of 2,306 square feet, compared with homes without HOAs at about 1,818 square feet.
The current median price for a home with an HOA is $450,000, compared with $374,900 for a home without an HOA. According to the report, the average existing home with an HOA was built in 1998, while the average existing home without one dates back to 1968.