Arizona buyer question
How much are HOA dues in Arizona, and what do they usually cover?
There's no single Arizona number. Dues are set by each association's budget. Here's what they typically pay for and how to get the exact figure for a home.
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The short answer
Quick answer: It depends on the community. Each Arizona HOA sets dues from its own budget, so there's no reliable statewide average. Dues usually pay for common-area upkeep, management, insurance on shared property and reserves for big repairs. For a specific home, check the listing, then the resale disclosure Arizona law requires, which states the assessment and budget.
Source: Arizona Revised Statutes §33-1806 and §33-1260 (retrieved October 29, 2026). Last updated .
Why there's no single number
Every association adopts its own operating budget and divides it among owners. A community with a guard gate, pools, a clubhouse and miles of landscaped common area has more to pay for than one with a few retention basins. Condos often cost more per month than single-family HOAs because the association may cover more of the building. We don't publish an average, because no official Arizona source tracks one and averages hide the range that matters to you.
What HOA dues usually pay for
- Common areas: landscaping, parks, pools, walls, retention basins and private streets the association owns.
- Management and administration: a management company, accounting and the annual audit, review or compilation Arizona requires (A.R.S. §33-1810).
- Insurance on shared property: a condo association must keep property insurance on the common elements, and on the units if the condo documents require it, plus liability coverage (A.R.S. §33-1253).
- Reserves: savings for big future repairs like pool resurfacing, roofs and paving.
- Sometimes utilities or services: water for common areas, trash, or in some condos, water and sewer for the units. Check the budget.
Planned community or condo: what's yours to cover?
In most single-family planned communities, you insure and maintain your own house and the association handles common areas. In a condominium, the association insures the common elements and sometimes more of the building, so your own policy may cover less. Ask your insurance agent which policy type fits the home, and read the declaration.
Create your free account to see all homes for sale that fit the monthly payment you're comfortable with, each with its actual property taxes, HOA dues, estimated homeowners insurance, and mortgage insurance when it applies, plus its own estimated closing costs and APR disclosure.
Opens a third-party home search site. Payments shown there are estimates to help you search, not a loan offer or rate quote. Your actual payment depends on price, down payment, credit, taxes, insurance, HOA, and loan program.
How to find a specific home's dues
- Start with the listing. Most listings show HOA dues and how often they're billed, monthly, quarterly or yearly. Convert to a monthly figure.
- Watch for more than one association. Some homes pay a master association and a sub-association. The disclosure must say if a property is governed by multiple associations.
- Confirm with the resale disclosure. After your offer is accepted, Arizona law requires the HOA (or the seller in smaller communities) to deliver a disclosure within ten days. It must include:
| Item | Planned community | Condominium |
|---|---|---|
| Payment schedule and amount of the regular assessment | §33-1806(A)(4)(b) | §33-1260(A)(4)(b) |
| Approved special assessments and remaining installments | §33-1806(A)(4)(b)–(c) | §33-1260(A)(4)(b)–(c) |
| Transfer or similar fee in the declaration | §33-1806(A)(4)(e) | Listed in the condo disclosure |
| Current operating budget | §33-1806(A)(5) | Listed in the condo disclosure |
| Most recent financial statement, audit or review | §33-1806(A)(4)(f), (A)(6) | Listed in the condo disclosure |
| Most recent reserve study, if any | §33-1806(A)(7) | Listed in the condo disclosure |
A.R.S. §33-1806 and §33-1260, retrieved October 29, 2026. General information, not legal advice.
Can dues go up?
Yes. In a planned community, the regular assessment can't rise more than 20% over the prior year without a majority vote of members, unless the documents set a lower limit (A.R.S. §33-1803). Special assessments are separate. See can an Arizona HOA raise dues? and HOA fees due at closing.
Put the dues in your monthly budget
HOA dues are part of your monthly housing cost, just like property taxes and insurance. Two homes at the same price can have very different payments once dues are added.
A free account shows every home for sale that fits the monthly payment you're comfortable with, each with its real property taxes, HOA dues, estimated homeowners insurance, and mortgage insurance when it applies, plus its own closing cost estimate and APR disclosure.
Searching is free, and we never sell your information or pass it to other lenders or marketers. Only Rebel Rate Mortgage, Inc. contacts you, and only about your own search.
Related: HOA and special district lookup · costs owners pay that renters don't · homeowners insurance cost factors · more questions.
General information, not legal advice. The association's declaration, budget and disclosure control.
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Ready to see what fits your monthly budget?
Search Arizona homes with each home's property taxes, HOA dues, and insurance built into the estimated payment. We never sell your information or pass it to other lenders or marketers. Only Rebel Rate Mortgage, Inc. contacts you.
Create your free account to see all homes for sale that fit the monthly payment you're comfortable with, each with its actual property taxes, HOA dues, estimated homeowners insurance, and mortgage insurance when it applies, plus its own estimated closing costs and APR disclosure.
Opens a third-party home search site. Payments shown there are estimates to help you search, not a loan offer or rate quote. Your actual payment depends on price, down payment, credit, taxes, insurance, HOA, and loan program.
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Sources
- Arizona Revised Statutes §33-1806 (planned community resale disclosures: assessments, budget, financial statement, reserve study) (retrieved October 29, 2026)
- Arizona Revised Statutes §33-1260 (condominium resale disclosures) (retrieved October 29, 2026)
- Arizona Revised Statutes §33-1253 (condominium association insurance) (retrieved October 29, 2026)
- Arizona Revised Statutes §33-1810 (annual audit, review or compilation) (retrieved October 29, 2026)
- Arizona Revised Statutes §33-1803 (planned community assessment limitation) (retrieved October 29, 2026)
Frequently asked questions
How much are HOA dues in Arizona?
It varies by community. Each association sets dues from its own budget, and no official Arizona source tracks a statewide average. Check the listing, then the resale disclosure for the exact amount.
What do HOA dues cover in Arizona?
Usually common-area upkeep, management and the required annual audit or review, insurance on shared property, and reserves for big repairs. Some also cover utilities or services; the budget shows what's included.
How do I find out a home's exact HOA dues?
The listing usually shows them. After your offer is accepted, the resale disclosure under A.R.S. §33-1806 (or §33-1260 for condos) must state the regular assessment and payment schedule.
Why are condo HOA dues often higher?
A condo association insures the common elements, and sometimes the units, and may maintain more of the building (A.R.S. §33-1253).
Can a home have two HOAs?
Yes. Some homes belong to a master association and a sub-association, and the disclosure must say when a property is governed by more than one.