Every competitor guide shows you HOA fees. None shows you total cost. This table stacks HOA, electricity utility, Mello-Roos scenarios, property tax, and golf across all 8 major communities — the number that actually matters for a 10-year retirement budget.
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Talk to a Specialist →| Community | HOA/mo (current) | Electric Util. | Mello-Roos | 10-Yr HOA Total | 10-Yr Electric | 10-Yr Property Tax | 10-Yr Total Est. |
|---|---|---|---|---|---|---|---|
| Sun City Palm Desert | ~$375 | IID ✓ | $0 confirmed | ~$51,900 | ~$36,000 | ~$96,500 | ~$206,600 |
| Sun City Shadow Hills | $398 | SCE | Verify — $0 base | ~$55,100 | ~$51,000 | ~$96,500 | ~$224,800 |
| Four Seasons at Palm Springs | ~$408 | SCE | Verify — $0 base | ~$56,500 | ~$51,000 | ~$96,500 | ~$226,200 |
| Del Webb Rancho Mirage ⚠ | ~$420 | SCE | ⚠ High risk — base $0 | ~$58,100 | ~$51,000 | ~$96,500 (at $700K) | ~$227,800 base | ~$257,800 w/$3K Mello-Roos |
| Trilogy at the Polo Club | ~$430 | SCE | Verify — $0 base | ~$59,500 | ~$51,000 | ~$96,500 | ~$229,200 |
| Heritage Palms | ~$475 | SCE (Indio) | Verify — $0 base | ~$65,700 | ~$54,000 (Indio heat) | ~$96,500 | ~$238,400 |
| Trilogy at La Quinta ($800K) | ~$552 | SCE | Verify — $0 base | ~$76,400 | ~$51,000 | ~$110,300 (at $800K) | ~$259,900 |
| Cotino / Longtable Park ($1.5M) ⚠ | $680 | SCE | ⚠ High risk — base $0 | ~$94,100 | ~$51,000 | ~$207,500 (at $1.5M) | ~$374,800 base | ~$404,800 w/$3K Mello-Roos |
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The base projections above assume $0 Mello-Roos for communities whose status is unconfirmed. If a $3,000/year CFD applies to your specific parcel at Shadow Hills, Del Webb Rancho Mirage, Trilogy at La Quinta, or Heritage Palms — add $30,000 to that community's 10-year total. A $3,000 Mello-Roos at Trilogy LQ brings the 10-year gap vs SCPD from approximately $53,000 to $83,000. That is why this verification is not optional.
For golfers playing approximately 50 rounds per year, add approximately $20,000 to Sun City Palm Desert's 10-year total (50 rounds × $40/round × 10 years) and subtract the cart-fee cost from bundled-golf communities (approximately $10,000 over 10 years at $20/round). At 50 rounds/year, SCPD's 10-year cost rises to approximately $226,600 and Shadow Hills' stays near $224,800 (no green fees). The communities reach approximate parity at 50 rounds — SCPD wins below that round count, Shadow Hills wins above it.
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