HOA communities are extremely common across Gilbert, Chandler, Mesa, Queen Creek, Scottsdale, and the greater Phoenix metro, and for many homeowners, they offer a convenient and well-maintained environment.

But not all HOAs are alike. Fees vary, rules differ, and every community has its own expectations. Whether you’re buying your first home or preparing to sell, understanding how an HOA works is essential for protecting your comfort, your budget, and your long-term plans.

As someone who helps clients navigate HOA neighborhoods every day, here’s what I recommend knowing — and asking — before you make your next move.

What HOA Fees Typically Cover in Arizona

In many Arizona communities, HOA fees support shared spaces and ensure the neighborhood stays well-maintained. Here’s what these fees often include:

• Landscaping of common areas

• Community pools and recreation centers

• Maintenance of parks, trails, and greenbelts

• Trash and recycling services

• Gate security or entry systems (in some neighborhoods)

• Exterior maintenance (varies by community)

• Reserve funds for future repairs

💡 Denise’s Insight: “An HOA fee isn’t just an expense — it’s an investment in the upkeep and appeal of your community.”

Understanding HOA Rules & Restrictions

Every HOA has its own set of rules, known as CC&Rs (Covenants, Conditions & Restrictions). These guidelines help maintain consistency and protect property values.

Common rules may include:

• Exterior home appearance standards

• Landscaping requirements

• Pet policies

• Parking and vehicle guidelines

• Short-term rental restrictions

• Noise guidelines

• Community use or amenity rules

Before buying, it’s important to review these carefully so you know exactly what’s expected and allowed.

Key Questions to Ask Before Buying in an HOA Community

To make sure the neighborhood is the right fit, here are the most important questions to ask:

1. What are the monthly or quarterly dues?

And do they tend to increase annually?

2. What exactly do the fees cover?

Some HOAs cover landscaping, others don’t. Some include amenities, some do not.

3. Are there any upcoming special assessments?

These can lead to temporary fee increases for major repairs or improvements.

4. What are the parking rules?

This is especially important for guests, work vehicles, or multiple drivers in the household.

5. Are exterior changes allowed?

If you want to paint, install a new door, add a patio, or modify landscaping, approvals may be required.

6. What’s the financial health of the HOA?

Healthy reserves show the community is well-managed.

7. Are rentals allowed?

Rules vary — helpful for both buyers and investors.

8. How often does the HOA enforce rules?

Some communities are more flexible, others more structured.

What Sellers Should Know About HOAs

If your property is in an HOA-controlled neighborhood, expect buyers to request:

• HOA disclosures

• CC&Rs and community rules

• Payment history of current dues

• Information about any pending assessments

Providing these early creates a smoother transaction and builds buyer confidence.

Benefits of Living in an HOA Community

While every buyer has different preferences, many Arizona homeowners appreciate the advantages HOAs offer, including:

• Consistent neighborhood standards

• Well-maintained common areas

• Increased curb appeal

• Community amenities

• A cohesive neighborhood environment

In areas like Gilbert, Chandler, and Scottsdale, HOA communities often have higher long-term demand, which helps maintain property values.

FAQs About HOAs in Arizona

Q: Are HOA fees in Arizona expensive?
A: Fees vary widely depending on the community and amenities. You’ll find everything from $50/month neighborhoods to higher-fee communities with extensive amenities.

Q: Can HOA fees increase?
A: Yes. Most HOAs review fees annually based on maintenance needs and reserve requirements.

Q: What happens if I don’t follow HOA rules?
A: The HOA may issue notices and fines. It’s important to stay familiar with your community’s guidelines.

Q: Can an HOA restrict rentals?
A: Some do. Always review rental policies if that’s part of your future plan.

Q: Do all homes in Arizona have HOAs?
A: No — but they are extremely common in newer suburbs and planned communities. If you prefer no HOA, there are still options available.

Why This Matters

Understanding HOA fees and rules helps you choose a neighborhood that fits your lifestyle and long-term goals — whether you’re buying your first home, upgrading, or preparing to sell.

A well-managed HOA can enhance appeal, protect home values, and support a community you feel proud to be part of.

Thinking About Buying or Selling in an HOA Community?

I’ll help you review fees, rules, and long-term considerations so you can move forward confidently — whether you’re choosing the right community or preparing your home for the market.

📞 480-980-4400
📧 [email protected]
🌐 www.denisehurd.com

Let’s talk about the neighborhood that fits your next chapter.