Overview
- Realtor.com’s Jan. 28 analysis ranks Miami, Panama City and Naples as the top three U.S. metros for HOA fees relative to typical mortgage payments, with seven of the top 10 in Florida.
- Miami homeowners’ association dues equal 26.9% of a typical mortgage payment, followed by 22.7% in Panama City and 20.3% in Naples, according to the report.
- Port St. Lucie places fifth nationally at 18.9%, and local residents report monthly bills of about $450 to as high as $500–$600 when paying multiple associations.
- A follow-up from WPTV gathered hundreds of responses describing mounting strain, including reported monthly HOA costs of $700 to $1,100 in parts of Palm Beach County.
- Realtor.com examined 300 metros using fees as a share of mortgage payments; researchers and local data cite post‑Surfside safety requirements and rising costs, while a Florida bill (HB 657) to reshape HOA governance cleared a House subcommittee this month.