HOA fees are the second-largest ongoing cost of active adult living in Arizona — and the most misunderstood. Here's exactly what you're paying for, how the models differ, and how to compare communities on real total cost.
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Talk to a Specialist →Arizona's 55+ communities use two fundamentally different cost structures. Understanding which model you're buying into is the most important financial due diligence you can do.
| Community | Model | Monthly Cost | 10-Year Total | Golf Included? |
|---|---|---|---|---|
| Sun City / Sun City West | RCSC | ~$46/mo equiv. $4K transfer + $550/yr | ~$9,500 | Member rates (separate) |
| Sun Lakes Iron Oaks | Traditional HOA | ~$80–$130/mo | ~$9,600–$15,600 | No golf on-site |
| Sun City Grand | Traditional HOA | ~$200–$250/mo | ~$24,000–$30,000 | Yes — 4 courses |
| Westbrook Village | Traditional HOA | ~$150–$250/mo | ~$18,000–$30,000 | Yes — 2 courses |
| PebbleCreek | Traditional HOA | ~$180–$220/mo | ~$21,600–$26,400 | Opt-in membership |
| Trilogy Vistancia | Traditional HOA | ~$250–$350/mo | ~$30,000–$42,000 | No golf on-site |
| Encanterra | Traditional HOA | ~$300–$450/mo | ~$36,000–$54,000 | Yes — Tom Lehman 18 |
All figures approximate. Verify current HOA amounts directly before purchase. HOA fees can increase annually.
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Ask these questions before you make an offer on any Arizona 55+ community home.
We can pull recent HOA documents, review reserve fund status, and walk you through the full cost comparison for any two Arizona communities you're considering.
Connect with a specialist who knows this market from the inside — real cost math, honest community comparisons, and what's actually happening right now. Every agent is personally vetted by the Nova55Living founder.
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