HOA Fees by City
HOA fees in Katy: what home buyers pay in 2026
Updated October 29, 2026
Reviewed by:
Head of Growth at TurboHome
Agent, Texas · Texas Realtor® License #674075
The median HOA fee on a Katy single family home listed in the past 12 months was $97 per month, with the middle half of listings paying between $51 and $122. That is unchanged versus the prior 12 months. Condos and townhouses are a small part of the Katy market (69 listed), with a median condo fee of $121. At today's mortgage rates, a $97 monthly fee reduces what you can borrow by roughly $14,100, so the fee belongs in your budget before you decide on a price range. The figures below come from 69 condo and townhouse listings and 7,534 single family listings in our MLS feed, and they are broken out by property type, neighborhood and building age.
TurboHome Market Analysis · Katy, Texas · Listings from October 29, 2025 to October 28, 2026
Key findings
- Median single family home HOA fee: $97 per month (unchanged year over year, from $97). Typical range (25th to 75th percentile): $51 to $122.
- 97.2% of single family listings reported an HOA fee, the highest share of any city TurboHome tracks.
- Among single family communities, fees ranged from $25 in Nottingham Country to $129 in Cinco Ranch West.
- 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 Katy? Fees by property type
| 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 | 69 | 98.6% | $121 | $100 to $264 | $322,367 | $115 | +5.2% |
| Single family | 7,534 | 97.2% | $97 | $51 to $122 | $359,990 | $97 | +0.0% |
Local context: what drives Katy HOA fees
Katy has the highest single family HOA share of any city we track: 97% of 7,534 single family listings carried a fee, with a $97 median. The Cinco Ranch sections run higher than the citywide figure ($121 in Cinco Ranch, $129 in Cinco Ranch West, $104 in Cinco Ranch Southwest) because dues fund multiple pools, lakes and recreation centers, while 1970s Nottingham Country was $25 and Kelliwood $60. Buyers should budget separately for MUD taxes, which are billed with property taxes in most Katy communities and often exceed the HOA fee. Katy has few condos (69 listed), with a $121 median fee.
Single family communities with HOAs in Katy
| Community or neighborhood | Single family listings with a fee | Median monthly HOA fee | Median list price |
|---|---|---|---|
| Cinco Ranch | 271 | $121 | $480,000 |
| Cypress | 195 | $122 | $449,503 |
| Cinco Ranch Southwest | 190 | $104 | $595,000 |
| Firethorne | 165 | $75 | $496,327 |
| Cinco Ranch West | 149 | $129 | $475,000 |
| Nottingham Country | 138 | $25 | $450,000 |
| Kelliwood | 109 | $60 | $407,000 |
| Grand Lakes | 105 | $104 | $630,000 |
What a $97 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 Katy median single family home fee of $97 therefore absorbs roughly $14,100 of borrowing power. Put differently, two buyers with identical incomes and down payments, one looking at a $97 fee community and one at a no-fee home, can afford list prices about $14,100 apart. Use the numbers in the community table to run the same math on the specific neighborhood 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.
What HOA fees cover in Texas, and why they are rising
In Texas, single family HOAs are governed by Property Code Chapter 209 and condo associations by Chapter 82. Single family dues are usually small and cover common-area landscaping, a pool or recreation center, and architectural control; condo dues add the master insurance policy, exterior maintenance, reserves and management, which is why condo fees are five to ten times higher than single family fees in the same city. Before closing, the seller must obtain a resale certificate from the association under Property Code Section 207.003. It discloses current and approved special assessments, unpaid amounts on the property, the operating budget, reserves, pending lawsuits and the common-area insurance certificate. The association may charge at most $375 for it and $75 for an update, and must deliver it within 10 business days (source). Under Chapter 209, owners can request association records, boards must offer a payment plan before escalating collections, and an HOA can foreclose only for unpaid assessments, not fines (source). A proposed statewide cap on assessment increases did not pass in the 2025 session, so there is no legal ceiling on how fast Texas dues can rise. Nationally, LendingTree's February 2026 survey found 82% of HOA residents saw fees rise over the past three years and 44% called the increase significant (source).
How to vet a Katy HOA before you buy
Treat the HOA like a second seller. Before you remove contingencies on a Katy home in an HOA community, 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 Katy the median fee was unchanged 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 Houston. 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 Texas 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 Katy, TX, 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 Katy?
The median monthly HOA fee on a Katy single family home listed between October 2025 and October 2026 was $97, and the middle half of listings fell between $51 and $122. 97.2% of Katy single family listings reported an HOA fee, the highest share of any city TurboHome tracks.
Are HOA fees in Katy going up?
The citywide median single family home fee was unchanged year over year at $97, but individual associations set dues annually and many raised them. Rising insurance, labor and reserve contributions are the main drivers, and Texas has no statutory cap on assessment increases.
Do HOA fees count against my mortgage approval in Katy?
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 $97 median Katy fee is equivalent to about $14,100 of loan balance, so a higher-fee community means a lower maximum purchase price for the same income.
Which Katy communities have the lowest HOA fees?
Among communities with at least 15 single family listings, Nottingham Country had the lowest median fee at $25 a month and Cinco Ranch West the highest at $129. Fees scale with amenities: pools, recreation centers, gates and lakes cost more to maintain than entry landscaping alone.
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.
Related pages
- HOA fees across TurboHome's California and Texas markets
- Buyer rebates in Texas
- Commission rebate calculator
- Flat fee buyer's agents in Texas
About the Author
Vinura Abeysundara
Vinura Abeysundara is a real estate and growth professional with experience scaling homebuying platforms across Canada and the United States. Formerly Head of Growth at Zown, he now works with TurboHome and writes about homebuyer savings, flat-fee real estate, commissions, and technology in real estate.
View Vinura on LinkedInAbout Jake Shuler
Agent, Texas
Jake Shuler is a Texas REALTOR® with more than 10 years of real estate experience and over 200 successful transactions. As an agent at TurboHome, he helps buyers navigate the Texas housing market and writes about homebuying, negotiations, local market trends, and ways buyers can save throughout the process.
View Jake's profile