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Texas HOA Fee Calculator & Guide 2026

Thinking about buying in Texas? Here's what you need to know about local HOA laws, average costs, and how to avoid overpaying.

Updated: September 2026•Compiled by HOAFeeCalculator.com
Quick Answer: Average HOA Fees in Texas
In Texas, average monthly HOA fees typically range from $179 to $413+ per month, with an estimated statewide median of approximately $275/month. In major metropolitan centers, luxury high-rises and amenity-rich master-planned communities frequently exceed this average, whereas older single-family subdivisions maintain significantly lower dues. State statutes govern budget adoption, reserve fund disclosures, and open meeting transparency.
Texas Average$275 / mo
City Variations5 Metros Analyzed
Governing LawsState Statutes Apply
Data Updated2026 Benchmarks

HOA Fees by City in Texas

CityEstimated Average HOA Fee Range
Austin$200 - $380/mo
Dallas$180 - $350/mo
Houston$175 - $340/mo
San Antonio$150 - $290/mo
Fort Worth$155 - $300/mo

Texas HOA Laws You Must Know

Texas features thousands of expansive master-planned single-family subdivisions. Local guidelines dictate everything from brick composition ratios to landscape safety restrictions. Texas Property Code Chapter 209 sets extensive consumer protection limits on board collection powers, requiring multiple warning steps before any property lien foreclosure can initiate.

In Texas, HOAs are governed by specific state statutes that protect both the association and individual homeowners (compare these statutory protections with our 50-state analysis of HOA laws by state and nationwide average HOA fees by state). It's critical to understand your rights before you sign on the dotted line.

One of the most important aspects of local laws is transparency. HOA boards are typically required to hold open, announced meetings and provide clear, itemized access to financial records and meeting minutes.

  • Texas Property Code Chapter 209 sets extensive consumer protection limits on board collection powers.
  • Homeowners enjoy a statutory 180-day 'right to redemption' after non-payment HOA foreclosures occur.
  • Subdivisions must permit religious door displays, active security cameras, and solar modules.
"Always review the 'Master Deed' and 'Bylaws' specific to your community. These documents often override general state guidelines regarding architectural controls and fine structures."
Texas Homebuyer Case Study: Collin County MUD & Sub-HOA Costs

Suburban Dallas Reality: The $450,000 Celina Dual-Assessment

A buyer relocating to North Texas purchased a home in a Celina master-planned development with an advertised $110/month HOA fee. Upon receiving the first tax bill, the homeowner realized the neighborhood sat within an active Municipal Utility District (MUD) levying a 1.18% debt-service assessment ($5,310/yr), plus a separate gated enclave fee of $85/month.

Master HOA Dues:$110 / month
MUD Bond Surcharge:$442.50 / month
Enclave Gate Maintenance:$85 / month
Total Monthly Carrying Fees:$637.50 / month

Texas buyers should always review the Title Commitment for MUD/PID tax notices and obtain TREC Form 37-5 before waiving option periods.

Featured Research Guide

Texas HOA Fees: Complete City-by-City Legal & Financial Guide

Texas Property Code Chapter 209 rules, North Dallas vs. West Houston vs. Austin master-planned amenities, and assessment limits.

Read Full Guide →

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Texas HOA Frequently Asked Questions

In Texas, average monthly HOA fees typically range from $180 to $450 per month, with suburban single-family master-planned developments in Collin, Denton, Williamson, and Fort Bend counties averaging between $100 and $220 monthly. Urban condominium high-rises in downtown Austin, Dallas Uptown, and Houston Galleria command higher assessments, frequently ranging from $500 to $950 per month to cover comprehensive building envelope maintenance, professional on-site management, and centralized utilities.

Yes, under Texas Property Code § 209.0092, an HOA can foreclose on a property for unpaid regular or special assessments, but they must first obtain an expedited judicial court order. State law strictly forbids non-judicial foreclosures on residential subdivisions without a judge's ruling, and associations are legally barred from foreclosing if the outstanding balance consists solely of architectural fines or legal fees. Additionally, Texas homeowners retain a 180-day statutory right of redemption following any HOA foreclosure sale.

Under Texas Property Code § 207.003 and Senate Bill 1588, property owners associations are legally capped at charging a maximum of $375 to assemble and deliver an official resale certificate disclosure package, and no more than $75 for an update. The packet discloses current regular assessment amounts, pending special assessments, active violations, and reserve balances. Texas standard purchase contracts provide buyers a 3-to-7 day statutory right of cancellation upon receipt.

No, Chapter 202 of the Texas Property Code explicitly prevents HOAs from enforcing blanket prohibitions on these items. Under § 202.010, homeowners can install roof-mounted solar energy devices within reasonable pitch parameters. Under § 202.023, associations cannot ban front or perimeter security cameras, motion floodlights, or boundary security fencing. Under § 202.007, drought-tolerant xeriscaping and rainwater harvesting barrels are also statutorily protected.

Under Texas Water Code § 49.452, sellers are legally required to deliver a statutory Municipal Utility District (MUD) notice to buyers prior to contract execution. MUD and Public Improvement District (PID) assessments fund neighborhood infrastructure bonds and appear directly on annual county property tax bills, often adding $2,000 to $5,000+ per year on top of standard HOA dues.

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