Average HOA Fees in Florida Compared [2026]

Average HOA fees in Florida have risen in recent years as communities respond to new safety requirements, higher insurance premiums, and rising maintenance costs. After the Surfside condo collapse, lawmakers passed stricter rules for inspections and reserve funding, which pushed many associations to increase dues. In 2025, Governor Ron DeSantis signed House Bill 913, giving condo boards more flexibility with extended deadlines and short-term reserve relief. Even with these adjustments, HOA fees remain a significant part of homeownership that buyers should account for when planning their budgets in 2026.

Average HOA Fees in Major Florida Cities [2026]

HOA fees vary widely across Florida, shaped by the mix of property types, local insurance costs, and community amenities.

Coastal cities with large numbers of condominiums, such as Miami, Fort Lauderdale, and Naples, tend to post the highest averages, while inland metros like Orlando and Jacksonville remain more moderate.

Read: Why Are HOA Fees So High in Florida?

Miami (Miami-Dade County)

The overall average in Miami is well above $600 per month, the highest in Florida. Condo owners typically pay between $835 and $965, driven by coastal insurance costs, mandatory reserves, and luxury amenities in high-rise towers. Single-family and townhouse HOAs are lower, around $200–$400, but because condos dominate, they set the pace for citywide averages.

Orlando (Orange County)

Homeowners in Orlando pay an average of about $300 per month in HOA dues. Condos average roughly $490, while single-family and townhouse HOAs are often $150–$250. With newer developments and fewer coastal risks, Orlando communities remain relatively affordable compared to South Florida metros.

Tampa (Hillsborough/Pinellas County)

In Tampa, the blended average is around $400 per month. Condos average about $655, while single-family and townhouse HOAs typically fall in the $100–$250 range. Tampa’s mix of coastal condos and suburban subdivisions means higher fees downtown are balanced out by more modest costs in surrounding neighborhoods.

Jacksonville (Duval County)

Jacksonville averages about $300 per month, making it one of Florida’s more affordable markets. Condos run close to $500, while single-family and townhouse HOAs are often $100–$200. With fewer high-rises and lower storm exposure than South Florida, fee levels stay comparatively moderate.

Fort Lauderdale (Broward County)

The average in Fort Lauderdale hovers near $500 per month. Condos average about $646, and luxury waterfront towers often charge more. Single-family and townhouse HOAs are lower, but with condos making up much of the market, higher costs tied to insurance and coastal upkeep keep the overall average elevated.

West Palm Beach (Palm Beach County)

West Palm Beach homeowners pay $450–$500 on average. Condos here average about $719, while single-family and townhouse HOAs typically range from $200–$300. The city’s mix of older condos and upscale gated communities contributes to higher overall fees than inland markets.

Naples (Collier County)

Naples averages $600–$700 per month, among the highest in the state. Condos run about $1,000, and single-family HOAs often range $300–$500+. Known for its luxury properties, country-club neighborhoods, and high-end amenities, Naples communities often carry larger budgets that drive fees upward.

Sarasota (Sarasota County)

In Sarasota, the average is around $450 per month. Condos average about $745, while single-family and townhouse HOAs usually fall between $200 and $300. The area’s mix of historic condos, retirement communities, and newer master-planned developments creates a wide range of fees, with the blended average falling below South Florida but still above national levels.

Comparison of Average HOA Fees by City

City	Average HOA (All Properties)	Typical Condo Fee	Typical Single-Family/Townhome Fee
Miami	$600+	$835–$965	$200–$400+
Orlando	~$300	~$490	$150–$250
Tampa	~$400	~$655	$200–$300
Jacksonville	~$300	~$500	$150–$250
Fort Lauderdale	~$500	~$646	$200–$350
West Palm Beach	~$450–$500	~$719	$200–$300+
Naples	$600–$700+	~$1,000	$300–$500+
Sarasota	~$450	~$745	$200–$300

HOA Fees in Florida: Condos vs. Townhouses

Condo owners in Florida face some of the state’s highest HOA dues, averaging $500–$800 per month in many metro areas. These fees reflect the costs of maintaining shared structures, covering insurance, and funding amenities such as elevators, pools, gyms, and security features. In luxury or coastal high-rises, condo fees can exceed $1,000 a month.

Townhouse communities, on the other hand, tend to be less expensive. With fewer shared amenities and more individual responsibility for exterior upkeep, monthly dues are usually in the $150–$300 range. While the difference is clear, the choice often comes down to lifestyle. Buyers drawn to full-service living and extensive amenities may accept higher condo fees, while those looking for lower monthly costs often lean toward townhome communities.

Read more: Condo Vs Townhouse

How to Evaluate HOA Fees When Buying a Home in Florida

When you’re considering a Florida property, it pays to look closely at the HOA dues. A few quick checks can help you decide if the fees are reasonable:

What’s included: Do the fees cover only basics like landscaping, or extras such as cable, insurance, or internet?
Local comparisons: Check similar communities to see if the dues align with the area.
Future changes: Ask about planned upgrades or projects that could raise costs.
Financial stability: Well-funded HOAs are less likely to surprise owners with sudden increases or assessments.

Our guide on how much HOA fee is too much offers more perspective on judging value versus cost.

Explore Florida Real Estate with an Experienced Agent

HOA fees play a big role in choosing the right community in Florida, shaping both your budget and your lifestyle. Whether you’re considering a first home, a vacation property, or comparing options in different cities, having the right guidance makes all the difference.

At Florida Realty Marketplace, you’ll work exclusively with experienced real estate professionals who understand the local market inside and out. From comparing HOA costs to evaluating community amenities, our team helps you make confident decisions.

Start your search today by browsing new construction homes in Davenport and new construction homes in Orlando. When you’re ready to take the next step, talk to a Florida Realty Marketplace agent and connect with experts who are committed to your success.

Posted by Florida Realty Marketplace on October 7th, 2025