What is the average HOA fee in Polk County, FL?

The median association fee across 39 Polk County communities with a reported fee is $50 per month; single-family communities run about $48/mo and condos about $436/mo.

Which Polk County communities have the lowest HOA fees?

Lowest reported single-family fees: Kellsmont ($15/mo), Walk In The Water Lake Estates ($15/mo), LUCERNE Park RESERVE ($17/mo), South Bay Landings ($17/mo), Starling Place ($18/mo), Ashwood West ($19/mo).

Which Polk County communities have the highest HOA fees?

Highest reported: Raingarden ($550/mo), Sweetwater Golf And Tennis Club ($387/mo), Wyndham At Lake Winterset ($275/mo), Cambridge On Green ($175/mo), MISSION Lakes/OAKBRIDGE ($555/mo), Imperial Harbours ($441/mo).

Are there Polk County communities with no HOA?

0 of the 39 communities tracked here reported no mandatory association fee on recent listings; always confirm with a title search because deed restrictions can exist without a fee.

HOA Fees by Community in Polk 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 Polk County. This league table ranks every Polk 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.

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Polk County, FL homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in Polk County, FL.

Across 39 Polk County communities with a reported association fee on recent MLS listings, the median HOA is $50 per month — $48/mo for single-family and townhome communities and $436/mo for condos. The lowest single-family HOA we track is Kellsmont at $15/mo; the highest is Raingarden at $550/mo.

How Polk County HOA fees are distributed

Monthly HOA band	Communities	Share
$1–$100/mo	28	72%
$101–$250/mo	5	13%
$251–$500/mo	4	10%
$501–$1,000/mo	2	5%
Over $1,000/mo	0	0%

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
Kellsmont	Lakeland	$15	64
Walk In The Water Lake Estates	Lake Wales	$15	25
LUCERNE Park RESERVE	Winter Haven	$17	624
South Bay Landings	Haines City	$17	57
Starling Place	Lakeland	$18	89
Ashwood West	Lakeland	$19	45
Sundance Ranch Estates	Winter Haven	$21	64
Hamilton Ridge	Winter Haven	$22	26
Leigh Lakes	Mulberry	$24	32
Hampton Pointe	Lakeland	$25	51
Princeton Manor	Lakeland	$30	93
Taylor Brooke	Bartow	$31	128
One Highlands Place	Lakeland	$32	122
Scott Lake West	Lakeland	$33	165
Berkley Pointe	Auburndale	$35	64
Bentley Place	Winter Haven	$45	36
Holly Hill Estates	Davenport	$48	314
Stonewood Crossings	Haines City	$50	104
Summerland Hills	Lakeland	$50	78
Whispering Ridge	Lake Wales	$50	64
Winding River Cove	Bartow	$58	96
Jackson Landing	Winter Haven	$67	61
ESTATES/ENGLISH Creek	Lakeland	$83	96
Tuscan Meadows	Davenport	$85	84
Orchid Springs Patio Homes	Winter Haven	$94	64

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
Raingarden	Winter Haven	$550	32
Sweetwater Golf And Tennis Club	Haines City	$387	1,074
Wyndham At Lake Winterset	Winter Haven	$275	32
Cambridge On Green	Lakeland	$175	32
Cypresswood Palma Ceia	Winter Haven	$152	58
CYPRESS POINT/Lake PARKER	Lakeland	$119	47
Grandefield On Poley Creek	Mulberry	$108	43
Eagle Pointe	Lakeland	$96	64
Glenmore	Lakeland	$96	36
Orchid Springs Patio Homes	Winter Haven	$94	64
Tuscan Meadows	Davenport	$85	84
ESTATES/ENGLISH Creek	Lakeland	$83	96
Jackson Landing	Winter Haven	$67	61
Winding River Cove	Bartow	$58	96
Stonewood Crossings	Haines City	$50	104
Summerland Hills	Lakeland	$50	78
Whispering Ridge	Lake Wales	$50	64
Holly Hill Estates	Davenport	$48	314
Bentley Place	Winter Haven	$45	36
Berkley Pointe	Auburndale	$35	64

Lowest condo association fees

Community	City	HOA (median, $/mo)	Listings sampled
SANDY Cove/LAKELAND	Lakeland	$166	32
Genesis Point	Lake Wales	$430	29
Imperial Harbours	Winter Haven	$441	51
MISSION Lakes/OAKBRIDGE	Lakeland	$555	32

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
MISSION Lakes/OAKBRIDGE	Lakeland	$555	32
Imperial Harbours	Winter Haven	$441	51
Genesis Point	Lake Wales	$430	29
SANDY Cove/LAKELAND	Lakeland	$166	32

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 Polk County, FL.