{"id":406107,"date":"2026-09-21T11:42:14","date_gmt":"2026-09-21T11:42:14","guid":{"rendered":"https:\/\/www.newsbeep.com\/us-fl\/406107\/"},"modified":"2026-09-21T11:42:14","modified_gmt":"2026-09-21T11:42:14","slug":"report-these-florida-cities-have-the-highest-hoa-burdens-in-the-nation","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/us-fl\/406107\/","title":{"rendered":"REPORT: These Florida cities have the highest HOA burdens in the nation"},"content":{"rendered":"

ORLANDO, Fla. \u2013 Florida is home to seven of the 10 U.S. metro areas where homeowners association fees account for the largest share of a typical mortgage payment, according to a new Realtor.com report<\/a>.<\/p>\n

Researchers analyzed the 300 largest U.S. metro areas and included places where the share of listings with HOA fees exceeded the national average. Nationally, 43.6% of homes listed for sale in 2025 had a nonzero HOA fee, up from 41.9% in 2024 and 34.3% in 2019. <\/p>\n

The median monthly fee nationwide was $135, though several metros in the Sunshine State far eclipsed that figure.<\/p>\n

FLORIDA TOPS THE NATION<\/p>\n

The Miami metro area ranked No. 1 nationwide. The median HOA fee was $617 per month, equal to 26.9% of the estimated mortgage payment for a median-priced home with an HOA.<\/p>\n

Panama City\u2019s metro ranked second, with median monthly dues of $532 accounting for 22.7% of the mortgage payment. Naples ranked third, where homeowners paid a median $711 per month, or 20.3% of the mortgage payment.<\/p>\n

Other Florida metros in the top 10 were:<\/p>\n

Cape Coral-Fort Myers: $475 monthly HOA fee; 19.6% of the mortgage payment<\/p>\n

Port St. Lucie: $449; 18.9%<\/p>\n

North Port-Bradenton-Sarasota: $379; 14.6%<\/p>\n

Sebastian-Vero Beach-West Vero Corridor: $329; 13%<\/p>\n

WHY SO EXPENSIVE?<\/p>\n

The report points to Florida\u2019s large share of condominium and new-construction communities as one reason HOA fees are common. <\/p>\n

Insurance costs also play a role, while inspections and reserve requirements adopted after the 2021 Surfside condominium collapse have added expenses for many associations.<\/p>\n

Realtor.com<\/a> says it used a 6%, 30-year mortgage rate with 10% down to estimate how HOA dues compared with monthly principal and interest payments.<\/p>\n

Meanwhile, the top 10 metros with the most expensive HOAs relative to home prices were listed as follows:<\/p>\n

RankMetroMedian Listing Price for Homes with HOAMedian HOA Fee HOA Fee as Percentage of Mortgage Payment1Miami-Ft. Lauderdale-West Palm Beach, FL$425,000$61726.9%2Panama City-Panama City Beach, FL$435,000$53222.7%3Naples-Marco Island, FL$648,000$71120.3%4Cape Coral-Ft. Myers, FL$450,000$47519.6%5Port St. Lucie, FL$439,900$44918.9%6Hilo-Kailua, HI$748,000$67916.8%7North Port-Bradenton-Sarasota, FL$479,900$37914.6%8Myrtle Beach-Conway-North Myrtle Beach, SC$323,990$25514.6%9Sebastian-Vero Beach-West Vero Corridor, FL$470,000$32913.0%10Minneapolis-St. Paul-Bloomington, MN-WI$399,900$27812.9%Breaking News Alerts\"\"<\/p>\n

Get breaking news alerts delivered to your inbox.<\/p>\n

Copyright 2026 by WKMG ClickOrlando – All rights reserved.<\/p>\n","protected":false},"excerpt":{"rendered":"ORLANDO, Fla. \u2013 Florida is home to seven of the 10 U.S. metro areas where homeowners association fees…\n","protected":false},"author":2,"featured_media":406108,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[740,28,30,29,785,1644,2159],"class_list":["post-406107","post","type-post","status-publish","format-standard","has-post-thumbnail","category-florida","tag-economy","tag-florida","tag-florida-headlines","tag-florida-news","tag-florida-ranked","tag-housing","tag-money"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/posts\/406107","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/comments?post=406107"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/posts\/406107\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/media\/406108"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/media?parent=406107"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/categories?post=406107"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/us-fl\/wp-json\/wp\/v2\/tags?post=406107"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}