SESKStuff Everyone Should Know
SESK: Stuff Everyone Should Know · sesk.info/home-hoa-dues

Are HOA dues usually included in your monthly mortgage payment?

Usually not. You pay the HOA directly.

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  1. Yes, always
  2. Usually not, you pay the HOA directly ✔
  3. Only during the first year

Why: HOA dues normally go straight to the homeowners' association, not to your mortgage servicer. Count them when deciding what you can afford.

Huh, didn't know that: HOA dues can range from a few hundred to more than a thousand dollars a month.

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References

Answer: Usually not, you pay the HOA directly. HOA dues normally go straight to the homeowners' association, not to your mortgage servicer. Count them when deciding what you can afford.

  1. CFPB: HOA dues and the mortgage payment www.consumerfinance.gov/ask-cfpb/are-condoco-op-fees-or-homeowners-association-dues-included-in-my-monthly-mortgage-payment-en-1945
    Condo/co-op fees or homeowners' association dues are usually paid directly to the homeowners' association
    Checked 2026-10-10.

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