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The Courtyards at Andrews Chapel — True Monthly Cost

HOA + Durham County property tax + insurance + utilities. The complete number for your budget.

All-In Monthly Cost

All-in monthly cost — $425K The Courtyards at Andrews Chapel home

HOA fee$285/mo
Durham Co. property tax (~0.87%)~$308/mo
Homeowners insurance~$100–$130/mo
Utilities (electric, gas, water)~$180–$230/mo
Total monthly carrying cost (excl. mortgage)~$873–$953/mo
Durham County property tax contextDurham County tax at ~0.87% applies. The $285/month HOA includes exterior maintenance, roof, and lawn — significantly more coverage than most HOAs at this price. Net-adjusted for maintenance savings, the effective HOA cost is lower than it appears for buyers who would otherwise pay for those services separately.

For NC residents 65+ who meet income limits, the elderly exclusion (AV-9 form) can reduce taxable assessed value and lower the annual tax bill by $300–$800. File with Durham County Tax Administration each year to claim.

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