All-in monthly cost — $450K Lupton Village home
HOA (incl. exterior paint, roof, lawn, snow)~$285/mo
Adams Co. tax (~0.65%)~$244/mo
Homeowners insurance (interior only — lower)~$100–$140/mo
Utilities~$155–$200/mo
Total monthly carrying cost (excl. mortgage)~$784–$869/mo
Net-adjusted vs Heritage Todd CreekHeritage Todd Creek’s HOA is ~$260/month covering amenity access and common areas — not individual home exterior maintenance. Add exterior paint (~$30/mo amortized), roof reserve (~$60/mo), and full building insurance (~$180/mo) to get Heritage Todd Creek’s true carrying cost. On a comparable price point, Lupton Village’s all-in cost is within $50–$100/month of Todd Creek, while delivering full maintenance-free living that Todd Creek does not.