Myth vs Reality

Sun City RCSC fees — what buyers assume vs how it actually works

"No monthly HOA" is technically true and often misunderstood. Here is where the assumption and the actual fee structure part ways.

RCSC non-profit governancePreservation fee at closing~$525/yr assessment$0 monthly HOA

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"No HOA means no closing surprises"

The most common misread of the RCSC model
The Assumption

If there's no monthly HOA, the fees must be minimal or nonexistent.

The Actual Structure

Every buyer pays a one-time preservation fee at closing — roughly $5,000–$6,500 depending on the year set by the RCSC Board — that funds the capital reserve for recreation centers, golf courses, and pools. It is not reflected in the home's list price and needs to be budgeted into your closing costs separately.

"The annual assessment is basically nothing"

True relative to HOA, not literally zero
The Assumption

At ~$525/year, this fee is trivial and won't ever change.

The Actual Structure

$525/year is genuinely low compared to any private HOA — but it is set annually by the elected RCSC Board and can move up or down. Treat it as a budget line that adjusts over time, not a number frozen forever at purchase.

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"Golf is included since I'm already paying RCSC"

The gap that trips up first-time buyers
The Assumption

RCSC membership means the four golf courses are free to play.

The Actual Structure

Golf is separate. Residents pay per-round green fees at resident-discounted rates (roughly $25–$45/round depending on course and season) or buy an annual golf membership on top of the RCSC assessment. It is discounted relative to public rates, but it is not bundled.

"This must be cheaper than a private HOA no matter what"

Usually true — but check the math for your situation
The Assumption

RCSC beats any HOA community on cost, full stop.

The Actual Structure

Over a 10-year horizon, RCSC's combined preservation fee plus assessments typically totals somewhere around $11,000–$12,000 versus roughly $36,000–$37,000 for a comparable private-HOA community like PebbleCreek at ~$300/month. That gap is real and large — but private HOAs also enforce exterior home standards that RCSC does not, and bundle course access that RCSC charges separately. Compare the full picture, not just the sticker number.

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Sun City RCSC fees?

Connect with a specialist who knows this market from the inside — real cost math, honest community comparisons, and what's actually happening right now. Every agent is personally vetted by the Nova55Living founder.

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