HOA Fees by Community in Bay County, FL

Association fees are the second-largest fixed cost of owning in a planned community after taxes and insurance, and they vary by a factor of fifty across Bay County. This league table ranks every Bay County community whose recent MLS listings carried an association fee, normalised to dollars per month (quarterly, semi-annual and annual fees converted), with a link to each community page for the full fee history, CDD status and homes for sale.

Across 323 Bay County communities with a reported association fee on recent MLS listings, the median HOA is $304 per month — $112/mo for single-family and townhome communities and $790/mo for condos. The lowest single-family HOA we track is Derby Woods at $12/mo; the highest is Southern Exposures at $1,500/mo.

How Bay County HOA fees are distributed

Lowest HOA fees: single-family and townhome communities

Ranked by median monthly fee (lowest first); ties broken by how many listings reported the fee. Communities whose listings report a nominal fee under $10/month are left out of this table — those figures are usually an annual amount entered against the wrong frequency.

Highest HOA fees: single-family and townhome communities

Gated, golf, amenity-heavy and master-planned communities dominate — the fee usually bundles a club, lawn care or a bundled golf membership.

Lowest condo association fees

Highest condo association fees

Condo fees fund the building itself — insurance, reserves, elevators, waterfront upkeep — so the top of this list is oceanfront and high-rise.

How to read this

Figures are the median AssociationFee across a community’s recent MLS listings (n shown), normalised to a monthly amount from the listed frequency; communities need at least three listings with a known frequency to appear. Fees change with every budget cycle, special assessments are not included, and master-association or club dues may be reported separately by the listing agent. Source: MLS listing records compiled by Momentum Research, September 2026. See also low-HOA and no-HOA communities in Bay County. Back to homes for sale in Bay County, FL.