Chatham Grove, Aurora — True Cost of Ownership
Kane County | Aurora | 96 homes | 55+ | Homes $200K–$330K | HOA ~$175/mo
Chatham Grove is a smaller 55+ community in Aurora — 96 homes, Kane County, and a $175/mo HOA that undercuts the larger Aurora-area 55+ communities by $50–$75/mo. The same Kane County effective tax rate of ~2.4% applies as at Carillon at Stonegate and Stonegate West. The practical difference between Chatham Grove and those larger neighbors is scale and the resulting social trade-off: at 96 homes you get a more intimate community and a lower HOA, but a smaller pool of organized activities and neighbors.
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Talk to a Specialist →Monthly Cost Breakdown
| Cost Item | Est. Monthly (Low) | Est. Monthly (High) | Notes |
|---|---|---|---|
| HOA fee | $165 | $185 | Common areas and amenities |
| Property tax | $400 | $660 | Kane ~2.4%; on $200K–$330K homes |
| Lawn care | $60 | $105 | Owner responsibility |
| Homeowners insurance | $95 | $145 | Full structure coverage |
| Utilities | $165 | $245 | Not in HOA |
| Total monthly (excl. mortgage) | ~$885 | ~$1,340 |
Kane County Tax by Home Value
| Purchase Price | Annual Tax Est. | Monthly |
|---|---|---|
| $200,000 | $4,800 | $400 |
| $245,000 | $5,880 | $490 |
| $290,000 | $6,960 | $580 |
| $330,000 | $7,920 | $660 |
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10-Year Projection — $255K Home
| Cost Item | 10-Year Estimate |
|---|---|
| HOA fees (3% annual increase from $175/mo) | ~$24,300 |
| Property tax (~$6,120/yr) | ~$63,600 |
| Lawn care (~$80/mo) | ~$9,600 |
| Insurance (~$118/mo) | ~$14,200 |
| Utilities (~$202/mo) | ~$24,200 |
| Total non-mortgage cost (10 yr) | ~$135,900 |
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