HOA Fees by City

HOA fees in San Jose: what condo and townhome buyers pay in 2026

Updated October 29, 2026

By Vinura Abeysundara

Head of Growth at TurboHome

Reviewed by:

Vinura Abeysundara

Head of Growth at TurboHome

Kevin Kretzmer

Head Agent, California · CalDRE #01997822

The median HOA fee on a San Jose condo listed in the past 12 months was $597 per month, with the middle half of listings paying between $494 and $764. That is up 9.3% versus the prior 12 months. Single family homes in San Jose rarely carry one: only 9.6% of single family listings reported an HOA fee. At today's mortgage rates, a $597 monthly fee reduces what you can borrow by roughly $86,900, so the fee belongs in your budget before you decide on a price range. The figures below come from 1,312 condo and townhouse listings and 2,659 single family listings in our MLS feed, and they are broken out by property type, neighborhood and building age.

TurboHome Market Analysis · San Jose, California · Listings from October 29, 2025 to October 28, 2026

Key findings

Median condo HOA fee: $597 per month (up 9.3% year over year, from $546). Typical range (25th to 75th percentile): $494 to $764.
Townhouses are cheaper to carry than condos: $431 versus $597 a month at the median.
9.6% of single family listings reported an HOA fee.
By neighborhood, attached-home fees ranged from $250 in North Valley to $1,453 in The Villages. The Villages supplied the most listings (133) at a $1,453 median.
By building age, the cheapest era was 2010s ($327 median) and the most expensive was Before 1970 ($1,242).
Each $100 of monthly HOA fee is equivalent to about $14,600 of mortgage at a 7.32% 30-year fixed rate.

How much are HOA fees in San Jose? Fees by property type

Median monthly fee. Every figure is in the table below.

How much are HOA fees in San Jose? Fees by property type, data table
Property type	Listings	Share with an HOA fee	Median monthly fee	Typical range (25th to 75th pct)	Median list price (listings with a fee)	Median fee, prior 12 months	Change
Condo	854	99.6%	$597	$494 to $764	$648,888	$546	+9.3%
Townhouse	458	99.3%	$431	$350 to $522	$950,000	$409	+5.4%
Single family	2,659	9.6%	too few with a fee to report	n/a	n/a	n/a	n/a

Local context: what drives San Jose HOA fees

San Jose's condo median jumped 9.3% to $597, and the spread by neighborhood is enormous. The Villages, the age-restricted golf community in Evergreen, had 133 listings at a median fee of $1,453 because dues cover the golf course, clubhouses and 24-hour gated security. Downtown San Jose's high-rises ran $705, while Communication Hill's newer townhome-style condos were $403 and North Valley was $250. Condos built in the 2010s had the lowest fees of any era at $327 a month.

San Jose HOA fees by neighborhood (condos and townhouses)

Median monthly HOA fee. Every figure is in the table below.

San Jose HOA fees by neighborhood (condos and townhouses), data table
Neighborhood	Condo and townhouse listings with a fee	Median monthly HOA fee	Median list price
The Villages	133	$1,453	$750,000
Downtown San Jose	127	$705	$695,000
Communication Hill	70	$403	$917,500
North Valley	36	$250	$1,113,000
Trade Winds	32	$582	$499,000
Willow Glen	30	$550	$1,183,500
Central San Jose	28	$715	$712,500
Makati	27	$673	$535,000

San Jose HOA fees by building age

The fee per square foot column lets buyers compare a small unit in a pricey building against a large unit in a cheaper one.

San Jose HOA fees by building age, data table
Decade built	Listings with a fee	Median monthly HOA fee	Median fee per sq ft	Median list price
Before 1970	37	$1,242	$1.00	$498,888
1970s	294	$534	$0.53	$650,975
1980s	370	$556	$0.56	$675,000
1990s	148	$570	$0.51	$849,000
2000s	254	$545	$0.48	$814,500
2010s	111	$327	$0.20	$999,000
2020s	92	$562	$0.43	$1,000,000

What a $597 monthly HOA fee does to your buying power

Lenders count HOA dues in your debt-to-income ratio exactly like a car payment, so every dollar of dues is a dollar of mortgage payment you cannot make. At the Freddie Mac average 30-year fixed rate of 7.32% for the week of October 22, 2026 (source), each $100 of monthly payment supports about $14,600 of loan. The San Jose median condo fee of $597 therefore absorbs roughly $86,900 of borrowing power. Put differently, two buyers with identical incomes and down payments, one looking at a $597 fee building and one at a no-fee home, can afford list prices about $86,900 apart. Use the numbers in the neighborhood table to run the same math on the specific building you are considering, and ask the listing agent for the current fee rather than relying on the MLS field, which can lag a budget change by a year. The spread in San Jose matters too: the difference between a 25th percentile fee ($494) and a 75th percentile fee ($764) is worth about $39,300 of loan.

What HOA fees cover in California, and why they are rising

In California, every condo and most townhome communities are governed by the Davis-Stirling Act, and dues typically cover the master insurance policy, exterior and roof maintenance, common area utilities, landscaping, reserves and management. Three things are pushing California dues up right now. First, master policy insurance: Allstate raised California condo rates an average of 30% in April 2025, some associations report 200% to 500% increases at renewal, and CoverageCat reports monthly dues rising $200 to $700 in some associations as insurance costs pass through (source). Second, SB 326: condo associations with three or more units had to complete inspections of wood-supported balconies and walkways by January 1, 2026, and repairs found in those inspections are now flowing into budgets and special assessments (source). Third, reserves: SB 900 now requires utility lines to be included in reserve studies, and boards that under-funded reserves for years are catching up through higher dues. Hoodline reported that the San Francisco metro's median HOA fee hit $502 in 2025, up from about $360 in 2019, with insurance and deferred maintenance the main drivers (source).

How to vet a San Jose HOA before you buy

Treat the HOA like a second seller. Before you remove contingencies on a San Jose condo or townhome, read the most recent budget and balance sheet, the reserve study, 12 months of board minutes, the master insurance declarations page and the CC&Rs. Look for five things: a reserve balance that is at least 30% of the fully funded level, no special assessment approved or under discussion, a master policy that has not been non-renewed or moved to a surplus-lines carrier, an owner-occupancy rate that will not block conventional or FHA financing, and no pending litigation. Ask how much dues rose in each of the last three years; in San Jose the median fee was up 9.3% in the last year, and an association that has not raised dues in years is often one that has not been funding reserves.

How TurboHome helps

TurboHome is a flat fee buyer's brokerage serving the South Bay. Instead of keeping the full buyer-side commission offered by the seller, we charge a flat fee and credit the rest back to you at closing. Our agents tour with you, write and negotiate offers, and review HOA budgets, reserve studies and insurance before you waive contingencies. See how buyer rebates work in California and estimate your savings.

Methodology

Fees are the monthly association fee reported on MLS listings in TurboHome's data warehouse for homes in the city of San Jose, CA, with a list date between October 29, 2025 and October 28, 2026 (the prior period is October 29, 2024 to October 28, 2025). Listings with no fee reported are counted as having no HOA, which slightly understates the share with a fee where agents left the field blank. Medians are of listings, not of buildings, so large complexes with many sales weigh more. Neighborhood rows are shown only where at least 15 listings with a fee were tagged to the neighborhood; building-age rows need at least 20. Fees reported annually or quarterly on the MLS were converted to monthly. Single family medians are shown only where at least 30 single family listings and at least 10% of them reported a fee; year-over-year changes are shown only for property types with at least 50 listings reporting a fee. Figures are aggregates and do not identify any listing; they are not a substitute for the association's own disclosure documents.

FAQ

What is the average HOA fee in San Jose?

The median monthly HOA fee on a San Jose condo listed between October 2025 and October 2026 was $597, and the middle half of listings fell between $494 and $764. Single family homes rarely carry one; 9.6% of single family listings reported an HOA fee.

Are HOA fees in San Jose going up?

Yes in most buildings. The median condo fee was up 9.3% year over year, from $546 to $597. Insurance renewals, SB 326 balcony repairs and reserve catch-up are the main drivers in California.

Do HOA fees count against my mortgage approval in San Jose?

Yes. Lenders add the full monthly dues to your housing payment when they calculate your debt-to-income ratio. At a 7.32% rate, the $597 median San Jose fee is equivalent to about $86,900 of loan balance, so a higher-fee building means a lower maximum purchase price for the same income.

Which San Jose neighborhoods have the lowest HOA fees?

Among neighborhoods with at least 15 attached listings, North Valley had the lowest median fee at $250 a month and The Villages the highest at $1,453. Fees track amenities and building scale more than location: elevators, doormen, pools and parking structures cost far more to run than a walk-up with a shared yard.

What does a flat fee buyer's agent change about buying in an HOA?

Nothing about the HOA itself, but it changes your cash at closing. TurboHome charges a flat fee instead of the full buyer-side commission the seller offers, and the difference is credited back to you, which can cover years of dues. Our agents also review the HOA documents with you before you waive contingencies.

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