All estimates assume: cash purchase (no mortgage), Florida homestead exemption applied, year-two assessed value (Save Our Homes cap in effect). HOA includes only standard monthly dues — not special assessments. Insurance estimates use standard coverage for home type. Legacy condos with all-inclusive HOAs include cable, water, and building insurance in the HOA column. Actual costs vary by unit, building, and year.
Modern Resort Communities (SF Homes)
| Community | Type | Typical Price | HOA/mo | Tax/mo | Ins/mo | Utils/mo | Total/mo |
|---|---|---|---|---|---|---|---|
| Regency at Avenir | SF new | $850K | $250 | $700 | $300 | $275 | $1,525 |
| Cresswind Palm Beach | SF new | $600K | $230 | $490 | $270 | $275 | $1,265 |
| Valencia Sound | SF new | $650K | $320 | $560 | $280 | $275 | $1,435 |
| Valencia Del Mar | SF new | $700K | $330 | $605 | $290 | $275 | $1,500 |
| Four Seasons Delray | SF new | $600K | $280 | $520 | $270 | $275 | $1,345 |
| Valencia Shores | SF resale | $450K | $280 | $515 | $250 | $275 | $1,320 |
| Valencia Reserve | SF resale | $500K | $290 | $475 | $260 | $275 | $1,300 |
| Valencia Cove | SF resale | $550K | $300 | $530 | $270 | $275 | $1,375 |
| Valencia Bay | SF resale | $500K | $290 | $475 | $260 | $275 | $1,300 |
| Valencia Lakes | SF resale | $400K | $260 | $380 | $240 | $275 | $1,155 |
| Buena Vida | SF resale | $500K | $270 | $455 | $260 | $275 | $1,260 |
| Bellaggio | SF resale | $475K | $270 | $445 | $250 | $275 | $1,240 |
Golf Communities
| Community | Golf Model | Typical Price | HOA + Club/mo | Tax/mo | Ins/mo | Utils/mo | Total/mo |
|---|---|---|---|---|---|---|---|
| Hunters Run | Mandatory equity | $500K villa | $1,100 | $475 | $200 | $275 | $2,050 |
| Indian Spring (golf) | Optional | $350K | $550 | $340 | $220 | $275 | $1,385 |
| Indian Spring (no golf) | Optional | $350K | $250 | $340 | $220 | $275 | $1,085 |
| Cypress Lakes | Included | $200K | $350 | $215 | $180 | $250 | $995 |
| Aberdeen | Bundled | $300K | $400 | $290 | $180 | $250 | $1,120 |
| Poinciana | Included | $150K | $300 | $170 | $150 | $230 | $850 |
Legacy Condo Communities (All-Inclusive HOA)
| Community | Units | Typical Price | HOA/mo (all-incl) | Tax/mo | HO-6/mo | Elec/mo | Total/mo |
|---|---|---|---|---|---|---|---|
| Kings Point | 7,200 | $130K | $625 | $140 | $40 | $85 | $890 |
| Century Village Boca | 7,500 | $180K | $550 | $185 | $45 | $90 | $870 |
| Century Village WPB | 6,500 | $120K | $500 | $130 | $40 | $85 | $755 |
| Golden Lakes Village | 1,088 | $150K | $400 | $160 | $40 | $85 | $685 |
| Sterling Village | 840 | $140K | $450 | $150 | $40 | $85 | $725 |
| Village Royale | 880 | $90K | $400 | $100 | $35 | $80 | $615 |
| Greenway Village | 515 | $80K | $350 | $90 | $35 | $80 | $555 |
Mid-Tier Communities (Attached Villas + Mixed)
| Community | Type | Typical Price | HOA/mo | Tax/mo | Ins/mo | Utils/mo | Total/mo |
|---|---|---|---|---|---|---|---|
| Whisper Walk | Attached | $300K | $400 | $430 | $200 | $250 | $1,280 |
| Palm Isles | Mixed | $300K | $300 | $290 | $200 | $260 | $1,050 |
| Coral Lakes | Mixed | $300K | $280 | $290 | $200 | $260 | $1,030 |
| Huntington Pointe | Villas + Condos | $280K | $320 | $295 | $180 | $250 | $1,045 |
| Baywinds | Attached + SF | $400K | $280 | $430 | $230 | $270 | $1,210 |
| The Cascades | SF guard-gated | $500K | $300 | $475 | $260 | $275 | $1,310 |
| Floral Lakes | Attached villas | $275K | $300 | $280 | $180 | $250 | $1,010 |
| Rainberry Bay | SF + Attached | $350K | $280 | $340 | $220 | $260 | $1,100 |
The cheapest community to buy (Greenway Village at $80K) costs $555/month to carry. The most expensive community to buy (Regency at Avenir at $850K) costs $1,525/month. The ratio of purchase prices is 10:1. The ratio of monthly costs is less than 3:1. Purchase price is a misleading indicator of living cost in PBC 55+ communities. The monthly number is what matters.
What This Table Does Not Include
Special assessments. Legacy condo communities face SB 4-D reserve requirements that may result in one-time assessments of $5,000–$30,000+. These are not reflected in the monthly totals above. A $15,000 assessment adds $125/month if amortized over 10 years.
Equity membership fees. Hunters Run equity membership historically requires an initiation fee of $50,000+. This is not included in the monthly total — it is a one-time cost at purchase.
Insurance volatility. Florida homeowners insurance has been increasing 10–20%+ annually. The estimates above may be low within 2–3 years. Build 10–15% annual increases into your budget projections.
Related Research
← Back to Palm Beach County HubPBC Property Tax Guide →Legacy Condo Guide →GL Homes Valencia Series Guide →Want exact numbers for a specific community?
We calculate the real all-in monthly for the exact unit you are considering. Free consultation.
Request Free Consultation →