True Cost Analysis · Courtyards at Price Farms
What Price Farms Really Costs to Own
The full carrying cost for a resale Epcon home in Delaware — plus the small-association reserve question that matters more in a 65-home community than anywhere else.
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Talk to a Specialist →Year-one carrying cost
Modeled on a $430,000 resale Epcon ranch in Delaware County. Planning estimates, not a quote.
| Component | Monthly | Annual |
|---|---|---|
| Property tax (≈1.85% effective) | $663 | $7,955 |
| Epcon HOA | $255 | $3,060 |
| Homeowners insurance | $130 | $1,560 |
| Total carrying cost | $1,048 | $12,575 |
The 65-home reserve risk: In a small association, a major repair — clubhouse roof, pool resurfacing, private road work — is split among far fewer homeowners. If reserves are thin, that can mean a special assessment of several thousand dollars landing on your account with little warning. Before buying, request the reserve study and recent meeting minutes. This is the single most important due-diligence step in a community this size, and it never shows up in the listing.
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10-year projection
| Year | Tax | HOA | Insurance | Year total |
|---|---|---|---|---|
| 1 | $7,955 | $3,060 | $1,560 | $12,575 |
| 5 | $8,781 | $3,445 | $1,825 | $14,051 |
| 10 | $9,933 | $3,993 | $2,220 | $16,146 |
| 10-yr cumulative | ~$89,800 | ~$35,100 | ~$18,800 | ~$143,700 |
At roughly $143,700 over ten years (excluding any special assessment), Price Farms carries lighter than the larger Delaware County communities because of its more modest home price. The finished, mature setting is a genuine value — you are not paying to wait. Just price in the reserve question before you assume the HOA line is the whole story.
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When a Price Farms home lists, we will help you read the association’s financials before you commit.
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