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9 Retirement Communities With Surprisingly Low HOA Fees

May 26, 2026 · Personal Finance

This bar chart compares monthly costs and standout features for several affordable active adult communities.

9 Active Adult Neighborhoods Where Your Dollar Stretches Further

Finding a community that balances desirable location, quality homes, and budget-friendly dues requires extensive research. The following nine communities represent some of the best values in the country, proving that you can secure a vibrant, active lifestyle without paying a premium.

Community Name Location Estimated HOA/Base Fee Standout Feature
Covered Bridge Lake Placid, FL Under $100/month Includes lawn care and basic cable
Highland Lakes on Lake Tarpon Palm Harbor, FL ~$110/month Free access to 27-hole golf course
Sun City Sun City, AZ ~$525/year (~$44/month) Massive scale with 7 recreation centers
Oaks North San Diego, CA Under $100/month (select homes) Ultra-rare affordable SoCal living
The Plantation at Leesburg Leesburg, FL ~$115/month Two 18-hole championship golf courses
Sun City Center Sun City Center, FL ~$650/year total per couple 43,000-sq-ft clubhouse and golf cart access
Glen at Masons Creek Hainesport, NJ Exceptionally low for the region Intimate 255-home Northeast community
Rancho Resort Sahuarita, AZ Highly competitive for the region Award-winning master-planned amenities
Pennbrooke Fairways Leesburg, FL ~$200–$300/month Covers internet, cable, and RV storage
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