BUYER GUIDEFEES & COSTS

Arizona 55+ HOA Fees — The Honest Breakdown

Not all Arizona 55+ communities charge the same way. Three distinct fee models exist — and buyers who do not understand which model their target community uses are regularly surprised at closing. Here is the full picture.

Model 1
RCSC / Non-Profit Member
Model 2
Private HOA
Model 3
No Formal HOA

The Three Fee Models

Model 1: RCSC / Non-Profit Member Organization
Sun City (RCSC), Sun City West (RSCW), Sun City Grand (RCSCG)
Fee Structure
Preservation Assessment (one-time at purchase)
Due at closing — budget in your purchase costs
~$5,000–$7,000
Annual Assessment (per owner, per year)
Set annually by elected resident board
~$500–$650/year
Monthly HOA Fee
No monthly fee — the RCSC model does not have one
$0
Golf Fees
Separate from assessments — resident-discounted rates
Per round or annual membership
Advantages
+Lowest recurring annual cost of any model
+Resident-owned and democratically governed
+Non-profit structure keeps fees lower over time
+No developer or management company profit extraction
Watch For
−One-time preservation fee due at closing can surprise buyers
−Less exterior home enforcement authority than private HOA
−Board elections can get contentious
−Governance decisions can be slow
Model 2: Private HOA
PebbleCreek, CantaMia, Encanterra, Trilogy at Vistancia, Trilogy Power Ranch, Victory at Verrado, Sun City Festival
Fee Structure
Monthly HOA Fee
Varies by community and amenity level
$200–$500/month
One-Time Transfer Fee (at purchase)
Charged by HOA at ownership transfer — varies
$300–$1,500
Special Assessments (occasional)
Board can levy for capital needs beyond reserves
Varies
Golf (where applicable)
Some communities include golf in HOA fee
Often included or heavily discounted
Advantages
+Consistent monthly budgeting — know your cost each month
+Professional management of common areas and exterior standards
+HOA enforcement authority keeps community appearance consistent
+Generally stronger exterior maintenance standards than RCSC model
Watch For
−Significantly higher annual cost than RCSC model
−Professional management company extracts profit
−Board can raise fees or levy special assessments
−Less resident democratic control than RCSC model
Model 3: No Formal HOA / Minimal Fees
Some smaller independent 55+ communities, age-verified neighborhoods in non-HOA areas
Fee Structure
Monthly HOA Fee
No traditional HOA or very small fee
$0 or minimal
Amenity Access
No bundled recreation access
Pay-per-use or club membership
Exterior Standards
No HOA enforcement of appearance standards
Minimal or none
Advantages
+Lowest possible carrying cost
+Maximum freedom in use of your property
+No HOA disputes or special assessments
Watch For
−No shared recreation campus
−No exterior appearance enforcement — neighbor quality varies
−Smaller and less amenity-rich communities
−Not suitable for buyers who want active adult resort lifestyle

Real Annual Cost by Community (2026 Estimates)

CommunityModelMonthly EquivalentAnnual Total (est.)Golf Included
Sun City WestRSCW (non-profit)~$46/mo~$550/yrNo — separate fees
Sun City GrandRCSCG (non-profit)~$50/mo~$600/yrNo — separate fees
Westbrook VillagePrivate HOA~$250/mo~$3,000/yrPartially included
CantaMiaPrivate HOA (Robson)~$255/mo~$3,060/yrCourse access included
PebbleCreekPrivate HOA (Robson)~$310/mo~$3,720/yrCourse access included
Trilogy at VistanciaPrivate HOA (Shea)~$380/mo~$4,560/yrDiscounted resident rates
EncanterraPrivate HOA (Shea)~$450/mo~$5,400/yrCourse included

Estimates for budgeting purposes. Verify current fees directly with each community HOA or RCSC office before purchase.

Phoenix Metro Market Reference

Metro Median Price
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Days on Market
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List-to-Sale
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Need help comparing total costs across Arizona 55+ communities?

Nova55Living builds out total cost comparisons — mortgage + fees + golf — so buyers can make real apples-to-apples decisions.

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