Topic Index
HOA Costs by State (2026)
Nationally, 43.6% of homes are part of a homeowner association — but HOA prevalence concentrates heavily in the Sun Belt and high-density coastal states. Florida has HOA fees on over 70% of listings; Hawaii condos average over $1,000/month. HOA fees count toward your debt-to-income ratio, affect mortgage qualification, and can vary 10x between communities in the same ZIP code. This guide covers the 22 states with the highest HOA prevalence — average fees, state consumer protection laws, and what to check before closing.
New Jersey→New York→Pennsylvania→Vermont→Delaware→Florida→Georgia→Maryland→North Carolina→South Carolina→Tennessee→Texas→Virginia→Illinois→Arizona→California→Colorado→Hawaii→Nevada→Oregon→Utah→Washington→
HOA prevalence data from Realtor.com HOA Report 2024 and the Community Associations Institute (CAI) 2024 Statistical Review. Fee averages vary significantly by property type, amenity level, and community age.