Homeowners’ associations often provide valuable perks, from landscaping and security to access to pools, clubhouses and private amenities. But those conveniences come at a cost, and HOA fees are climbing in many parts of the U.S., adding another layer to already stretched housing budgets.
Check Out: The Salary Needed To Afford America’s 50 Biggest Cities
Also See: How Middle-Class Earners Are Quietly Becoming Millionaires — and How You Can, Too
A new Realtor.com analysis found that 44% of home listings now come with HOA fees, up from 34% in 2019. While the national median fee is $135, many homeowners pay far more — especially in several Florida metros, which dominate the list of areas with the highest HOA fees.
Here are the U.S. cities where HOA fees are the highest today, according to the report.
1. Miami-Fort Lauderdale-West Palm Beach, Florida
- Median listing price for homes with HOAs: $425,000
- Median HOA fee: $617
- HOA fee as percentage of mortgage payment: 26.9%
Find Out: How Much You Need To Be in the Top 5% in Every State
Discover More: The Cheapest Place To Buy a Home in Every State
2. Panama City-Panama City Beach, Florida
- Median listing price for homes with HOAs: $435,000
- Median HOA fee: $532
- HOA fee as percentage of mortgage payment: 22.7%
See More: How Much Money Is Needed To Be Considered Middle Class in Every State?
3. Naples-Marco Island, Florida
- Median listing price for homes with HOAs: $648,000
- Median HOA fee: $711
- HOA fee as percentage of mortgage payment: 20.3%
4. Cape Coral-Fort Myers, Florida
- Median listing price for homes with HOAs: $450,000
- Median HOA fee: $475
- HOA fee as percentage of mortgage payment: 19.6%
5. Port St. Lucie, Florida
- Median listing price for homes with HOAs: $439,900
- Median HOA fee: $449
- HOA fee as percentage of mortgage payment: 18.9%
6. Hilo-Kailua, Hawaii
- Median listing price for homes with HOAs: $748,000
- Median HOA fee: $679
- HOA fee as percentage of mortgage payment: 16.8%
Also See: How Much You Need To Earn To Be Upper Middle Class in Every State
7. North Port-Bradenton-Sarasota, Florida
- Median listing price for homes with HOAs: $479,900
- Median HOA fee: $379
- HOA fee as percentage of mortgage payment: 14.6%
8. Myrtle Beach-Conway-North Myrtle Beach, South Carolina
- Median listing price for homes with HOAs: $323,990
- Median HOA fee: $255
- HOA fee as percentage of mortgage payment: 14.6%
9. Sebastian-Vero Beach-West Vero Corridor, Florida
- Median listing price for homes with HOAs: $470,000
- Median HOA fee: $329
- HOA fee as percentage of mortgage payment: 13%
10. Minneapolis-St. Paul-Bloomington, Minnesota-Wisconsin
- Median listing price for homes with HOAs: $399,900
- Median HOA fee: $278
- HOA fee as percentage of mortgage payment: 12.9%
Editor’s note: Data was sourced from Realtor.com and is accurate as of Jan. 27, 2026.
More From GOBankingRates
This article originally appeared on GOBankingRates.com: 10 US Cities With the Highest HOA Fees — Is Yours on the List?
