To summarize, association (HOA) fees are collected to provide a spending account for community expenses, development, and operation. Each complex offers different services and management, so often the communities with low fees provide fewer services. Monthly HOA fees may cover a variety of amenities such as:

- community pool and spa
- clubhouse, rec room and fitness center
- community internet/Wi-Fi
- landscaping and regular gardening maintenance in common areas and/or front yards
- street lighting, landscaping, paving, road maintenance
- exterior building maintenance including painting, landscaping, roof, fences, balconies
- water & garbage utilities
- property liability and casualty insurance covering the grounds and building

If you own a single-family home, all or part of the above would be regular expenditures out of your pocket. With a condo or townhome, the HOA may provide all or part of the same services through association fees. It's good to find out what is covered before you discount the purchase of a particular unit based on "high" HOA fees. Well-maintained complexes with "all" the amenities for a $450 fee may NOT be "too high." After accounting for the monthly costs of utilities and maintenance you won't be responsible for, the HOA dues may be more within your budget than expected.