Florida homeowners are paying some of the highest condominium and homeowners association (HOA) fees in the United States, according to newly released U.S. Census data.
While these fees help maintain community amenities like pools, gyms, landscaping, and security, they also add significantly to the already high cost of homeownership across the Sunshine State.
The Numbers: How Florida Compares to the Rest of the U.S.
- 43% of Florida homeowners paid HOA or condo fees last year — well above the national average of 25%.
- The typical monthly HOA bill in Florida was $230, compared to the U.S. median of $135.
That means many Floridians pay nearly 70% more than the typical American homeowner for HOA or condo association dues.
These costs can add up quickly — amounting to nearly $2,800 annually in association fees alone.
The Fine Print: Rules and Restrictions
HOAs in Florida are known for their strict enforcement policies, covering everything from:
- Holiday decorations
- Garbage can placement
- Lawn maintenance
- Exterior paint colors
Homeowners who fail to comply with these regulations often face fines and citations, which can lead to disputes or even liens on their properties.
New Florida Law Curbs Excessive HOA Fines
Recognizing the growing frustration among residents, Florida lawmakers passed a reform law in 2024 to rein in HOA power.
The new law limits what HOAs can demand from their members and prevents unfair fines for minor infractions.
Under the new rules, HOAs cannot fine residents for:
- Leaving garbage cans out within 24 hours of trash collection.
- Keeping holiday decorations up — unless the association first notifies the resident and gives them at least one week to remove them.
These measures aim to protect homeowners from unnecessary penalties while promoting a fairer, more transparent relationship between residents and their associations.
The Bottom Line
Florida’s booming housing market continues to attract new residents, but rising HOA and condo fees remain a major challenge for affordability.
While associations provide valuable community services, homeowners should understand the financial and regulatory commitments that come with these neighborhoods — and take advantage of the state’s new protections designed to curb HOA overreach.
