Overview
- Listings with nonzero HOA fees rose to 43.6% in 2025, up from 41.9% in 2024 and 34.3% in 2019, according to Realtor.com’s latest report.
- The median monthly HOA payment reached $135 in 2025, with increases tied to higher insurance costs, stricter building-safety requirements, and rising labor and material prices.
- HOAs remain most common for condos and townhomes (84.8%) but now cover about one-third of single-family homes (33.4%), and they are far more prevalent in new builds (67.9%) than existing homes (38.9%), where the share is growing faster.
- Geographic differences are stark, with Nevada leading states at 68.3% of listings under HOAs and South Dakota lowest at 12.3%, and concentrations strongest in the West and South.
- Florida metros carry the heaviest HOA burden relative to mortgage payments, led by Miami–Fort Lauderdale–West Palm Beach where the median $617 fee equals 26.9% of a typical payment.