Which Is the Most Expensive HOA in Florida?
Which Is the Most Expensive HOA in Florida?
Quick Answer
Realtor.com’s comparison does not identify a single HOA or condo association as Florida’s most expensive. Using listing data from 2019 – 2025, Naples – Marco Island had the highest median monthly HOA dues among the Florida metros shown, at $711. Miami – Fort Lauderdale – West Palm Beach ranked highest by dues relative to estimated mortgage principal-and-interest payments, at $617 a month and 26.9%. Before you decide what you can afford, ask the association or its manager for the property’s current mandatory dues rather than treating a metro median as your bill. Call me at 941.400.8735 or reach out directly to Michael Renick – I’ll share my approach with you.
Which Florida HOA is actually the most expensive?
You cannot identify Florida’s highest-fee individual association from Realtor.com’s metro rankings. In its 2019 – 2025 listing data, Naples – Marco Island leads the Florida metros shown in median monthly dollars, while Miami – Fort Lauderdale – West Palm Beach leads in dues relative to estimated mortgage payments.
Those are two different comparisons. The dollar figure tells you the reported metro median fee; the percentage compares that fee with an estimated monthly mortgage principal-and-interest payment. Neither tells you the highest amount charged by an individual association.
For your purchase, use these figures as context – not as a quote for the home or condo you are considering.
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Why do Naples and Miami both appear at the top?
The answer changes with the measure you use. Realtor.com ranks metros by HOA dues as a percentage of estimated mortgage principal-and-interest payments, not simply by the largest monthly fee.
These figures come from weekly Realtor.com listing snapshots spanning 2019 – 2025:
| Florida metro | Median monthly HOA dues | Dues as a share of estimated mortgage principal and interest |
|---|---|---|
| Naples – Marco Island | $711 | 20.3% |
| Miami – Fort Lauderdale – West Palm Beach | $617 | 26.9% |
Naples has the larger monthly dollar figure in this comparison. Miami has the larger percentage, which is why it ranks first under Realtor.com’s mortgage-payment measure.
The report, published January 27, 2026, uses published, nonzero monthly HOA dues on for-sale listings. It is not a list of every association’s current charges.
What about high-rise condo assessments above $1,900?
A separate 2025 benchmark review reported average monthly assessments above $1,900 for Miami-Dade condo buildings of at least seven stories managed by FirstService Residential, according to WLRN.
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That figure covers a particular group of high-rise buildings. It is an average – not an individual association’s charge – and it does not name Florida’s highest-fee association. You also should not treat it as directly interchangeable with Realtor.com’s metro medians: the two reports cover different properties and use different measures.
Let’s continue this conversation.
Call me at 941.400.8735 or schedule a 15-minute call. I’ll tell you what I would look for.
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Questions Clients Actually Ask
Does Miami’s first-place ranking mean it has the highest monthly HOA dues?
Miami’s first-place position reflects dues relative to estimated mortgage principal-and-interest payments. In Realtor.com’s 2019 – 2025 listing comparison, Naples – Marco Island had the higher median monthly fee among the Florida metros shown: $711 versus Miami – Fort Lauderdale – West Palm Beach’s $617.
Can you use these figures as current dues for a specific condo?
These figures do not establish the current dues for a specific condo. Realtor.com reports metro medians from 2019 – 2025 listings, while the FirstService Residential benchmark describes a selected group of high-rise buildings in 2025. Ask the association or its manager to confirm the current mandatory dues for the exact unit you are considering.
What To Do Right Now
Before you commit to a purchase, request the current mandatory dues for the specific property directly from the association or its manager.
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Michael Renick · Licensed Florida Real Estate Broker
License #BK3241900 · Verify on Florida DBPR
Mangrove Realty Associates Inc / Team Renick · Serving Sarasota & Manatee Counties since 2011
About the Author
I’m Michael Renick — a Florida West Coast broker with over 15 years guiding families through some of the biggest decisions of their lives. I’ve built my practice on hard work, honesty, and total transparency. No shortcuts, no spin — just straight answers, deep market knowledge, and the dedication my clients deserve from start to close.
Equal Housing Opportunity. This article is general information only, not legal, tax, insurance, or financial advice. Market conditions, insurance requirements, and costs vary by property and transaction; confirm your specific situation with the appropriate licensed professional. Michael Renick, Licensed Florida Real Estate Broker, License #BK3241900, licensed by the Florida Department of Business and Professional Regulation (DBPR). Mangrove Realty Associates Inc — each office is independently owned and operated.
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To read more insights: gulfcoastdecoded.com
