2 Aug, 2022

What Are HOA Fees, and What Do They Cover?

When you’re shopping for the perfect new home for you and your family, there is a lot to consider. If you’re interested in top-notch amenities, such...

When you’re shopping for the perfect new home for you and your family, there is a lot to consider. If you’re interested in top-notch amenities, such as a pool, fitness center, or clubhouse, joining a homeowner association is a perfect choice for you – especially if you don’t want to own all these things privately. 

When you join an HOA, it’s important to understand everything that comes with it. What are HOA fees? What do HOA fees cover? What are the pros and cons of joining an HOA? Don’t worry, we have the answers to all your burning questions! 

So, What Are HOA Fees?

Homeowners Association (HOA) fees are expenses that homeowners must pay when they live in a specific residential property or district. You typically find HOAs in residential communities or when you buy a condominium, townhouse, or single family home within “a planned development.”

The goal of most HOAs is to maintain a clean and cohesive atmosphere in the neighborhood, as well as pay for highly-sought after amenities. Also, HOAs usually include a set of rules that prevent homeowners from making certain changes to their homes that could lower the value of the community as a whole. 

What Do HOA Fees Cover?

Depending on where you live, each set of homeowner association fees will cover different things. Some of the most common things that HOA fees cover include:

Municipal Services

  • Trash removal
  • Security 


  • Insurance for any injury or damage that occurs on property owned by the HOA (common spaces, recreational areas, sidewalks, etc.)
  • Note: Almost all lenders will require that you also have your own homeowners insurance to cover damages to your personal property.

Maintenance and Repairs

  • Upkeep of outside walls and roofs
  • Pest control
  • Parking lot and road maintenance
  • Lawn care
  • Landscaping 
  • Snow removal

Amenities and Services

  • Pool
  • Clubhouse
  • Concierge services 
  • Valet services
  • Fitness centers
  • Lounges 
  • Sports courses

Is an HOA Right For You?

You might be wondering, “Is an HOA right for me?” You must weigh out all of the pros and cons of a homeowner association before deciding to purchase a home that is part of one. 

Pros of an HOA

  • Maintenance will fix issues that arrive with your home
  • You don’t have to worry about lawn care or pest control
  • HOAs manage issues that arrive between neighbors
  • The exterior of your home will be maintained
  • Single-family homes under HOAs tend to sell for more
  • Opportunities for socialization

Cons of an HOA

  • You have to pay monthly fees
  • Failing to pay HOA fees could result in foreclosure
  • HOAs have meticulous guidelines that you must follow
  • Limited personalization to the appearance of your home

BlueWest Properties Will Help You Navigate HOAs

Are you considering buying a home that has an HOA fee? It’s important that you understand exactly what you’re getting for your money. If you need help deciphering the details and getting the best rate possible, our team at BlueWest Properties can help!

Experienced in all aspects of the home buying process, our agents can break down your HOA fees and help you decide if it’s the right choice for you. To get started working with us, contact us online today.

Contact Us CTA