Nearly half of U.S. homes for sale have homeowners association (HOA) fees, which are rising steadily, with the median fee reaching $135 in 2025. Unlike fixed mortgage payments, HOA dues can increase unpredictably, often without homeowner input. Boards managing HOAs may lack financial expertise, leading to underfunded reserves and special assessments. Rising insurance and maintenance costs also drive fee increases. Buyers should research reserve funding, planned repairs, and fee history to avoid surprises.
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