Las Campanas — True Cost by Section

Village HOA covers your roof. San Miguel HOA does not. That distinction changes the true cost of ownership by $100+/month when you factor in what Village owners never have to pay out of pocket.

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Village vs San Miguel: what the HOA actually covers

CoverageVillage (Fairfield)San Miguel (Meritage)
Exterior paintIncludedHomeowner
Stucco repairIncludedHomeowner
Roof maintenance/replacementIncludedHomeowner
Front yard landscapingIncludedHomeowner
Irrigation systemIncludedHomeowner
Pest controlIncludedHomeowner
Trash removalIncludedHomeowner
Basic cable TVIncludedHomeowner
Gated entryYesNo

The Village HOA is significantly higher than San Miguel’s — but once you price out everything it covers, Village owners often pay less in total. A roof replacement in Tucson runs $8,000–$15,000. Exterior painting: $3,000–$5,000 every 5–7 years. Front yard landscaping crew: $80–$120/month. Pest control: $40–$60/month. Cable: $50–$80/month. Amortize those costs and the Village HOA is arguably the better deal.

Monthly cost comparison: $370K home

CostVillageSan Miguel
Community HOA~$210/mo~$155/mo
GVR Dues$45/mo$45/mo
Property Taxes (0.78%)$241/mo$241/mo
Insurance$110/mo$110/mo
Visible monthly total$606$551

The hidden costs that close the gap

San Miguel owners pay $551/month in visible costs but separately handle landscaping (~$100/mo), pest control (~$50/mo), cable (~$65/mo), and reserve for roof/exterior repairs (~$75/mo amortized). True total: ~$841/month. Village owners pay $606/month with everything included. The Village is actually $235/month cheaper once you count everything. This is the math that listing sites never show you.

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Energy efficiency offset (San Miguel advantage)

San Miguel’s Meritage construction has one genuine cost advantage: energy efficiency. ENERGY STAR certification, spray foam insulation, and high-efficiency HVAC systems reduce cooling costs by an estimated $40–$80/month compared to older Green Valley homes and even the Fairfield-built Village section. Over 10 years, that’s $4,800–$9,600 in utility savings.

This doesn’t fully offset the hidden maintenance costs, but it narrows the gap. If you’re comparing a San Miguel home to a Village home at the same price point, the energy savings are real — particularly during June through September when cooling bills in older homes can exceed $250–$350/month.

One-time costs at closing

Both sections: GVR Membership Change Fee $3,200 + Transfer Fee $450 = $3,650 at closing. Standard across all GVR communities. If buying new construction in San Miguel, Meritage may offer closing cost incentives or upgrades that partially offset the GVR fees — always ask about current promotions.

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