After more than 35 years as a full-time real estate broker, I’ve seen how HOA fees can impact homeowners across Florida. A recent report highlights that seven out of the top ten U.S. metro areas with the highest HOA burdens are right here in our state. Miami tops the list, where the median HOA fee is $617 per month—making up 26.9% of the typical mortgage payment. Factors like condo living, new developments, insurance, and inspection costs are all contributing to these numbers. Understanding these trends is key for anyone considering a property purchase in Florida.