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.

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.

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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