living with an hoa

The Pros and Cons of Living with an HOA

Have you ever considered buying a home with a homeowner’s association (HOA)? If you have then you’ve likely heard that there are benefits and downfalls. But if you haven’t you may be wondering what being a part of HOA means for you. While many people love this type of arrangement, HOA’s are not for everyone. Here are the pros and cons of living with an HOA.

The Pros and Cons of Living with an HOA



One of the biggest pros of living with an HOA is the maintenance for community parks, common spaces, trails, and sidewalks. This allows your home to be located inside of a well-kept neighborhood and required no work from you to keep it tidy. The HOA can also enforce rules to keep the neighborhood looking cohesive which keeps property values high. You may not get the choice of the exterior color of your home, but then again, you might prefer it this way.


The facilities in each HOA vary by location. Many HOAs offer community gyms, pools, clubhouses, tennis courts, and play grounds. When you pay HOA fees, you’re paying to use all of the amenities inside of the community. The biggest benefit of these amenities is that they are located just minutes from your home. This can be a big draw for families with kids, and guests that frequently visit from out of town.


Say one house on the block does not keep up with their lawn and all of the other houses do, the HOA can enforce the unkept home to take action. This prevents disagreements or arguments with neighbors since the HOA can serve as an impartial mediator.



Unfortunately, the largest con of living with an HOA is the cost. Fees usually range from $100-$400 a month. Because of this, a mortgage on a condo plus HOA fees can cost more than buying a larger home. So, it’s important that you calculate those fees into your monthly payments.


Some people consider the HOA regulations of their neighbor strict and somewhat unnecessary. Some HOA rules restrict pet size, exterior decoration, and forbid renting. Other HOAs will fine you if you leave your garbage bins out past the garbage pickup day. It’s important to read the rules of the HOA before you commit to moving your family. If you are not someone who agrees with these rules and regulations, living with certain HOAs can be difficult.

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