{"id":9976,"date":"2026-09-14T15:00:00","date_gmt":"2026-09-14T22:00:00","guid":{"rendered":"https:\/\/lisamillerpllc.com\/staging\/?p=9976"},"modified":"2026-09-14T15:00:00","modified_gmt":"2026-09-14T22:00:00","slug":"us-hoa-costs-demand-closer-review","status":"publish","type":"post","link":"https:\/\/lisamillerpllc.com\/staging\/us-hoa-costs-demand-closer-review\/","title":{"rendered":"US HOA Costs Demand Closer Review"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/lisa-miller-2\/assessments-escalating-homeownership-add0\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>As someone who\u2019s passionate about helping you build wealth through smart, informed real estate decisions, I want to highlight something that\u2019s often overlooked: HOA costs. When you\u2019re considering a home in a managed community, it\u2019s not just your mortgage, insurance, or taxes that matter\u2014HOA assessments can play a significant role in your monthly expenses. With aging infrastructure and rising insurance rates, many associations are raising their assessments to keep their communities financially healthy.<\/p>\n<p>Before you make a move, I always recommend digging into the details: What are the monthly HOA fees? Are there solid reserve funds in place? Can those reserves actually cover big-ticket repairs if they come up? For condo buyers, it\u2019s especially important to check if the community might need special assessments in the near future. Clear communication from the board can make all the difference for your peace of mind.<\/p>\n<p>My goal is to ensure you enter every real estate investment\u2014whether it\u2019s your first home or another addition to your portfolio\u2014with eyes wide open, so you avoid surprises and set yourself up for a financially secure future.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>As someone who\u2019s passionate about helping you build wealth through smart, informed real estate decisions, I want to highlight something that\u2019s often overlooked: HOA costs. When you\u2019re considering a home in a managed community, it\u2019s not just your mortgage, insurance, or taxes that matter\u2014HOA assessments can play a significant role in your monthly expenses. With [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":9977,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","content-type":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[3],"tags":[],"class_list":["post-9976","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"jetpack_publicize_connections":[],"jetpack_shortlink":"https:\/\/wp.me\/paOTA9-2AU","jetpack-related-posts":[{"id":9650,"url":"https:\/\/lisamillerpllc.com\/staging\/phoenix-buyers-plan-for-hoa-fees\/","url_meta":{"origin":9976,"position":0},"title":"Phoenix Buyers: Plan for HOA Fees","author":"admin","date":"June 1, 2026","format":false,"excerpt":"In Phoenix, HOA dues can shape long-term affordability alongside purchase price and mortgage rates, especially because they are less predictable than fixed payments. HOA boards can usually raise dues without every resident voting, so buyers should understand governance, bylaws, and decision-making before committing to a home. Board experience can vary,\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/05\/phoenix-buyers-hoa_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":9561,"url":"https:\/\/lisamillerpllc.com\/staging\/phoenix-buyers-how-to-navigate-hoa-fee-changes\/","url_meta":{"origin":9976,"position":1},"title":"Phoenix Buyers: How to Navigate HOA Fee Changes","author":"admin","date":"May 22, 2026","format":false,"excerpt":"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\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/05\/1-8.jpg?fit=1080%2C1080&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/05\/1-8.jpg?fit=1080%2C1080&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/05\/1-8.jpg?fit=1080%2C1080&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/05\/1-8.jpg?fit=1080%2C1080&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/05\/1-8.jpg?fit=1080%2C1080&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":9272,"url":"https:\/\/lisamillerpllc.com\/staging\/phoenix-2026-essential-tips-for-rental-buying\/","url_meta":{"origin":9976,"position":2},"title":"Phoenix 2026: Essential Tips for Rental Buying","author":"admin","date":"February 23, 2026","format":false,"excerpt":"Slide 1: Phoenix rental investing in 2026? Your first check is the Arizona vacancy rate\u2014not just the rent price. Slide 2: Use HUD Fair Market Rents as your secret baseline, not the listing's \"pro forma\" dream number. Slide 3: Your real monthly cost must include HOA fees, insurance hikes, AND\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/02\/phoenix-rental-buying-checklist_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":9321,"url":"https:\/\/lisamillerpllc.com\/staging\/five-things-that-can-affect-the-cost-of-your-first-mortgage\/","url_meta":{"origin":9976,"position":3},"title":"Five Things That Can Affect the Cost of Your First Mortgage","author":"admin","date":"March 8, 2026","format":false,"excerpt":"A fixed-rate mortgage can offer long-term payment stability, while an adjustable-rate mortgage may start with a lower initial payment and more variability over time. Talking with a certified financial counselor can help you understand how housing costs may fit into your overall budget. It also helps to account for additional\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1.jpg?fit=1080%2C1080&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1.jpg?fit=1080%2C1080&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1.jpg?fit=1080%2C1080&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1.jpg?fit=1080%2C1080&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/04\/1.jpg?fit=1080%2C1080&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":9032,"url":"https:\/\/lisamillerpllc.com\/staging\/6-strategies-for-lowering-your-monthly-mortgage-payment\/","url_meta":{"origin":9976,"position":4},"title":"6 strategies for lowering your monthly mortgage payment","author":"admin","date":"December 27, 2025","format":false,"excerpt":"Monitoring household budgets is crucial, especially with rising costs. Even fixed-rate mortgage payments can fluctuate due to property taxes and homeowners insurance. Homeowners can explore options to lower payments, such as shopping for insurance, removing private mortgage insurance (PMI), appealing property tax assessments, or recasting loans. Refinancing from an adjustable-rate\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":9715,"url":"https:\/\/lisamillerpllc.com\/staging\/arizona-shade-bill-advances-for-homeowners\/","url_meta":{"origin":9976,"position":5},"title":"Arizona Shade Bill Advances for Homeowners","author":"admin","date":"June 24, 2026","format":false,"excerpt":"Arizona homeowners could gain clearer permission to add commercially manufactured backyard shade structures, even where HOA rules currently restrict them on private lots. The push began after an Arizona family installed a city-approved backyard gazebo, then removed it following an HOA dispute and court process. A state lawmaker sponsored the\u2026","rel":"","context":"In &quot;News&quot;","block_context":{"text":"News","link":"https:\/\/lisamillerpllc.com\/staging\/category\/news\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/06\/arizona-backyard-shade_share.jpg?fit=496%2C279&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]}],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/i0.wp.com\/lisamillerpllc.com\/staging\/wp-content\/uploads\/2026\/09\/assessments-escalating-homeownership-add0_share.jpg?fit=496%2C279&ssl=1","_links":{"self":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts\/9976","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/comments?post=9976"}],"version-history":[{"count":1,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts\/9976\/revisions"}],"predecessor-version":[{"id":9978,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/posts\/9976\/revisions\/9978"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/media\/9977"}],"wp:attachment":[{"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/media?parent=9976"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/categories?post=9976"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lisamillerpllc.com\/staging\/wp-json\/wp\/v2\/tags?post=9976"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}