HOA fees have jumped 50.5% since 2020, outpacing inflation and putting more pressure on homeowners’ budgets. And with median special assessments expected to hit $1,100 in 2025, many folks—especially the 75 million living in managed communities—are feeling the squeeze from aging infrastructure and rising insurance costs.
When I’m working with buyers or investors, these factors are front and center in every conversation about cash flow and loan structure. Understanding the true cost of homeownership means looking beyond the mortgage payment to the full financial picture—including those unpredictable HOA assessments. It’s all about helping clients make decisions that won’t just get them into a home, but keep their finances strong for the long haul.
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