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Are HOA fees negotiable?
I’m looking to purchase a new home. Some of the properties have HOA fees of $250 per month and some are as high as $600. That seems crazy high to me. Are HOA fees negotiable?
Sadie Lovemore · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
With all of the costs involved with being a new homeowner, I understand that can be frustrating! Typically, you can’t negotiate HOA fees before you move into an HOA community, but sometimes it’s possible to decrease them once you are part of the community.
The point of the homeowners association (HOA) is to assist with the upkeep and repairs of common property in the community, including building upkeep if you’re purchasing a
condo
. These fees apply to all residents of the community and if fees aren’t high enough, residents can be charged a special assessment to cover the costs. Once you are part of the HOA, some things can be done to lower fees for everyone:
- Reevaluate the contractors. If you can negotiate with the contractors or shop around for more affordable services, this could lower overall costs.
- Collect unpaid dues. Some residents might not be paying their dues and the HOA may not have strict enough policies to collect the funds.
- Reevaluate existing expenses. The community could be going above and beyond with certain costs from landscaping to insurance. These costs should be evaluated yearly to make sure you’re not overpaying.
If you find you’re not saving as much as you’d like with HOA fees, you might be able to pick up the slack with your homeowners insurance bill. With
Jerry
, you can find cheap home and renters insurance fast. A licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and even cancels your old policy. Even better—Jerry will help you bundle your home and auto policies for maximum savings.
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- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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