HOA Monthly Fees in the U.S. Rise 25% from 2019 to $135
According to Realtor.com, the median monthly fee for homeowners associations (HOA) for homes on the market in the U.S. increased from $108 in 2019 to $135 in 2025, a rise of 25%.
At the same time, the proportion of homes for sale that carry HOA fees rose from 34.3% in 2019 to 43.6% in 2025, nearing 44%. This proportion is 84.8% for condos and townhouses, and about 33.4% for single-family homes, showing an upward trend.
New homes have a higher HOA proportion at about 67.9%, compared to about 38.9% for existing homes. The increase in fees is attributed to rising insurance costs, labor and material prices, as well as the entry of shared facilities and private roads from new communities into the resale market.
The median is expected to continue rising from $125 in 2024. In cities in states like Florida, the median is even higher, with HOA fees in some areas exceeding 20% of mortgage payments.
The market views this as a change in the overall cost structure of housing, requiring buyers to factor HOA fees into their monthly payments. Funds are directed towards community maintenance and insurance, benefiting associations that provide shared services, while putting pressure on buyers seeking lower holding costs.
The growth rate of HOA fees for existing homes is faster than for new homes, reflecting the gradual entry of early new communities into the resale inventory.
Source: Public Information
ABAB AI Insight
Realtor.com continuously tracks the prevalence and costs of HOAs through data on homes for sale, previously showing a rise in both proportion and median from 2023 to 2024. This confirms that from 2019 to 2025, fees increased from $108 to $135, and the proportion rose from 34.3% to 43.6%, continuing the trend of new community facilities and cost pressures being transmitted to the resale market.
In terms of capital flow, homeowner payments are concentrated on insurance, maintenance, and public facilities, with resources shifting from non-HOA homes to those with associations. Strategically, due to the high proportion of new builds, there is a gradual penetration into existing inventory, with associations increasing fees to cover rising costs.
This is analogous to the rising management fees for condos in urban areas, where the proportion of costs in high-density markets is expanding. Currently, HOAs are in a phase of widespread expansion and concentrated fees, with pressure extending from new communities to single-family and existing homes.
Essentially, this represents a restructuring of the industry chain: new communities internalize shared costs into the holding phase, with the mechanism being that rising insurance and labor costs force associations to raise fees, leading buyers to face higher total holding costs and a reduction in inventory options without HOAs.
ABAB News · Law of Cognition
Fees have risen by 25%, repricing the holding cost structure.
Proportion has increased from 34% to 44%, with non-association inventory continuously shrinking.
New facilities transmit costs to resale, expanding associations' pricing power.