San Diego 55+ True Cost Reference Table | All Communities

How to Read This Table

Assumption: $1,000,000 home purchase (baseline for comparison).

HOA: Monthly association dues (includes base maintenance, amenities, insurance contribution).
Property Tax: ~$1.20% of purchase price annually ($1,000 × 1.20% ÷ 12 months).
Insurance: Homeowners insurance ~$300–$400/month for $1M home.
CFD: Community Facilities District (if applicable; shown annually and monthly equivalent).
TOTAL: Sum of all monthly costs.

Community	City	HOA/mo	Tax/mo	Insure/mo	CFD/mo	TOTAL/mo	Status
Ocean Hills	Oceanside	$700	$1,000	$350	$0	$2,050	Clear
Oaks North	RB	$395	$1,000	$350	$0	$1,745	Clear
Costa Serena	Oceanside	$385	$1,000	$350	$0	$1,735	Clear
Seven Oaks	RB	$360	$1,000	$350	$0	$1,710	Clear
Rancho Carlsbad	Carlsbad	$410	$1,000	$350	$0	$1,760	Clear
Solamar	Carlsbad	$525	$1,000	$350	$150	$2,025	Amber
Junipers	RanPen	$450	$1,000	$350	$333	$2,133	Pending
Auberge	DelSur	$600	$1,000	$350	$250	$2,200	Pending
Oceana (all phases)	Oceanside	$350	$1,000	$350	$0	$1,700	Clear
Hunter Valley	SanMarcos	$395	$1,000	$350	$0	$1,745	Clear

Key Insights

Budget tier ($1,700–$1,750/mo): Costa Serena, Seven Oaks, Oceana, Hunter Valley
Mid tier ($1,750–$2,000/mo): Oaks North, Rancho Carlsbad, Eastridge
Premium tier ($2,000–$2,200/mo): Ocean Hills, Auberge, Junipers
CFD impact: Adds $150–$333/mo, significant on fixed income

Use This Table

Compare communities side-by-side by monthly carrying cost. Adjust for your actual purchase price: if buying $800K, multiply monthly cost by 0.8. If buying $1.2M, multiply by 1.2.