Would You Prefer a Home Without an HOA?

It’s a question more buyers are quietly asking as they search for their next home.

If you have been browsing listings recently, you may have noticed that many properties are located within HOA, or homeowners association, communities. In fact, according to the National Association of Home Builders, more than 65% of newly built homes in 2024 were part of HOA neighborhoods. That marks a significant increase compared to just 15 years ago.

Today, over 21 million homeowners pay HOA fees each year, making these communities a major part of the modern housing landscape.

Why HOAs Are Becoming More Common

Homeowners associations are often designed to support shared amenities and maintain neighborhood standards. Depending on the community, this can include:

• Swimming pools

• Fitness centers

• Maintained landscaping

• Gated access or added security

• Shared recreational spaces

For many buyers, these features offer convenience and enhance day-to-day living. Maintenance responsibilities are often reduced, and the neighborhood may maintain a more consistent appearance.

This structure can be especially appealing to buyers who prefer a more managed, predictable environment.

The Financial Side of HOA Fees

While the benefits can be attractive, HOA communities come with ongoing costs.

Monthly HOA fees vary widely depending on location and amenities. According to data from Realtor.com, in some cities, HOA dues can equal between 13% and 27% of a homeowner’s monthly mortgage payment.

Over time, this becomes a meaningful part of the total cost of ownership. It is not just about the purchase price of the home, but also the long-term monthly financial commitment.

For buyers who prioritize predictable expenses or lower monthly costs, this can influence their decision significantly.

Structure vs. Flexibility: A Personal Preference

There is no universal answer when it comes to HOA living. It often comes down to personal priorities.

Some homeowners value the convenience, amenities, and maintained environment that HOAs provide. The structure can simplify maintenance and contribute to a more uniform community feel.

Others prefer the flexibility of owning a home without association oversight. Without HOA rules and fees, homeowners may have more freedom in how they use and manage their property, along with fewer recurring costs.

Ultimately, the right choice depends on your financial goals, preferred level of flexibility, and the type of living environment that feels right for you.