HOA Fees by Community in Okaloosa 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 Okaloosa County. This league table ranks every Okaloosa 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 135 Okaloosa County communities with a reported association fee on recent MLS listings, the median HOA is $108 per month — $55/mo for single-family and townhome communities and $1,124/mo for condos. The lowest single-family HOA we track is Alicia Place at $11/mo; the highest is Brownstones At Kelly Plantation at $628/mo.
How Okaloosa County HOA fees are distributed
| Monthly HOA band | Communities | Share |
|---|---|---|
| $1–$100/mo | 65 | 48% |
| $101–$250/mo | 19 | 14% |
| $251–$500/mo | 18 | 13% |
| $501–$1,000/mo | 12 | 9% |
| Over $1,000/mo | 21 | 16% |
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.
| Community | City | HOA (median, $/mo) | Listings sampled |
|---|---|---|---|
| Alicia Place | Crestview | $11 | 8 |
| Magnolia Forest S/D | Niceville | $12 | 5 |
| North Ridge Creek S/D | Fort Walton Beach | $12 | 3 |
| Timberland Ridge | Crestview | $14 | 6 |
| Carnegie Hills | Crestview | $15 | 6 |
| Grandview Heights | Crestview | $16 | 4 |
| Pinnacle Point | Crestview | $17 | 10 |
| Indigo Village | Niceville | $17 | 5 |
| Crosswinds | Fort Walton Beach | $17 | 3 |
| Rolling Ridge S/D | Crestview | $20 | 7 |
| Windmeadows | Crestview | $20 | 5 |
| Indian Bayou | Destin | $21 | 11 |
| Houston Place | Crestview | $21 | 4 |
| Taylor Farms | Crestview | $21 | 3 |
| Hidden Pines S/D | Destin | $23 | 3 |
| Twin Bay Estates | Fort Walton Beach | $25 | 3 |
| Brownstone Manor | Crestview | $25 | 3 |
| Camille Cove | Crestview | $29 | 5 |
| Duggan Pond Estates | Crestview | $29 | 3 |
| Eagles Landing S/D | Niceville | $30 | 12 |
| Raiders Landing | Valparaiso | $30 | 8 |
| Blue Pine Village | Niceville | $32 | 4 |
| Ridgeway Landing | Crestview | $33 | 12 |
| Ashton View | Crestview | $33 | 12 |
| Brooke Estates | Crestview | $33 | 8 |
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.
| Community | City | HOA (median, $/mo) | Listings sampled |
|---|---|---|---|
| Brownstones At Kelly Plantation | Destin | $628 | 3 |
| Villages Of Crystal Beach | Destin | $555 | 12 |
| Destin Pointe | Destin | $508 | 7 |
| Destiny By The Sea S/D | Destin | $488 | 4 |
| Regatta Bay Patio Homes | Destin | $484 | 4 |
| Gleneagles Green Bluewater Bay | Niceville | $400 | 4 |
| Destin Oaks | Destin | $395 | 4 |
| MOSSEY Cove T/H | Destin | $365 | 3 |
| Regatta Bay | Destin | $358 | 10 |
| One Twenty Five Crystal Beach Drive | Destin | $350 | 6 |
| Kelly Plantation S/D | Destin | $327 | 12 |
| Kelly Plantation | Destin | $327 | 3 |
| Regatta Bay Commodore Point | Destin | $325 | 3 |
| Destiny East | Destin | $320 | 9 |
| Destiny S/D | Destin | $296 | 8 |
| Beach Pointe | Destin | $285 | 3 |
| Green Arbor T/H | Shalimar | $280 | 3 |
| Diamond Lakes | Destin | $250 | 5 |
| Heritage Plantation | Laurel Hill | $235 | 6 |
| Meadows at Magnolia Plantation | Niceville | $235 | 4 |
Lowest condo association fees
| Community | City | HOA (median, $/mo) | Listings sampled |
|---|---|---|---|
| Breakers West | Fort Walton Beach | $400 | 3 |
| The Oaks At Niceville | Niceville | $450 | 7 |
| Pier One | Fort Walton Beach | $485 | 12 |
| Indian Lake | Destin | $498 | 6 |
| French Quarters | Fort Walton Beach | $565 | 4 |
| Century Park West | Destin | $575 | 4 |
| Fountainhead | Fort Walton Beach | $736 | 6 |
| Palm Court Yacht Club | Fort Walton Beach | $773 | 3 |
| SANDPIPER Cove | Destin | $790 | 11 |
| Pelican Isle | Fort Walton Beach | $855 | 5 |
| The Cedars | Mary Esther | $860 | 5 |
| Holiday Surf & Racquet Club | Destin | $870 | 6 |
| Island Princess | Fort Walton Beach | $965 | 6 |
| Gulf Dunes | Fort Walton Beach | $1,040 | 4 |
| Terrace At Pelican Beach | Destin | $1,066 | 8 |
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.
| Community | City | HOA (median, $/mo) | Listings sampled |
|---|---|---|---|
| One Water Place At Kelly Plantation | Destin | $2,249 | 4 |
| One Water Place | Destin | $2,227 | 5 |
| Harbor Landing | Destin | $1,853 | 6 |
| Emerald Grande | Destin | $1,840 | 5 |
| St. Thomas At Silver Shells | Destin | $1,820 | 7 |
| St. Barth At Silver Shells | Destin | $1,762 | 5 |
| Grand Harbor | Destin | $1,700 | 4 |
| St. Lucia At Silver Shells | Destin | $1,641 | 6 |
| Henderson Lofts | Destin | $1,622 | 3 |
| Sides Moreno Point West | Destin | $1,590 | 4 |
| Destin Yacht Club | Destin | $1,365 | 5 |
| St Croix At Silver Shells | Destin | $1,337 | 6 |
| Destin West Heron | Fort Walton Beach | $1,316 | 3 |
| Sterling Shores | Destin | $1,280 | 9 |
| Magnolia House | Destin | $1,276 | 5 |
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, October 2026. Back to homes for sale in Okaloosa County, FL.