All-In Cost at Three Price Points
All-in monthly cost — $550K Regency home
HOA fee (incl. 12 Oaks social membership)$425/mo
Wake Co. property tax (~0.77%)~$353/mo
Homeowners insurance~$120–$145/mo
Utilities~$200–$250/mo
Total monthly carrying cost (excl. mortgage)~$1,098–$1,173/mo
All-in monthly cost — $650K Regency home
HOA fee (incl. 12 Oaks social membership)$425/mo
Wake Co. property tax (~0.77%)~$417/mo
Homeowners insurance~$135–$165/mo
Utilities~$200–$260/mo
Total monthly carrying cost (excl. mortgage)~$1,177–$1,267/mo
All-in monthly cost — $750K Regency home
HOA fee (incl. 12 Oaks social membership)$425/mo
Wake Co. property tax (~0.77%)~$481/mo
Homeowners insurance~$150–$185/mo
Utilities~$210–$265/mo
Total monthly carrying cost (excl. mortgage)~$1,266–$1,356/mo
Is the Regency premium worth it?Compared to Del Webb Traditions ($880–$950/mo at $600K), Regency runs about $200–$300/month more at comparable price points. The premium buys Toll Brothers finish quality, the 12 Oaks social membership, and a lifestyle director. For buyers who would otherwise join a golf club or social club separately, the gap narrows. For buyers focused on cost efficiency, it does not close.