Nearly 44% of U.S. Homes for Sale Now Carry HOA Fees

(1/28/26)  If you’re trying to find a home that’s not subject to the rules and regulations – and fees – associated with a homeowners association (HOA), your search might be getting more difficult. According to a new report just released by Realtor.com, the share of U.S. homes located in HOAs climbed from 34.3% in 2019 to 43.6% in 2025, underscoring how HOA obligations have become an increasingly common part of the total cost of buying a home.

“HOAs are no longer confined to condos or brand-new developments,” said Joel Berner, senior economist at Realtor.com. “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.”

It's not just the prevalence of HOAs that is rising. The median monthly HOA fee reached $135 in 2025, up from $125 last year and $108 in 2019. That’s because of rising insurance costs, stricter building safety standards and higher labor and material prices, all of which are forcing HOA board to raise monthly fees.

States with the most-expensive HOA fees, where the fees make up the largest share of monthly housing costs, include Florida, which tops the list. The median HOA fee in South Florida (Miami/Fort Lauderdale/West Palm Beach areas) was $617, while the median in Naples and Marco Island, Fla. was $711 per month. Other high-fee states include Hawaii, South Carolina and Minnesota.