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.

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.