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King City layers a citywide KCCA assessment under sub-association dues that change with housing type — so two homes a block apart can cost very different amounts to carry. Here's the math broken out for a detached home, a townhouse, and a condo.
Every owner pays the King City Civic Association (KCCA) annual assessment plus a one-time transfer fee at purchase. Then, depending on what you buy, a sub-association may add its own monthly dues: detached homes often have just the KCCA assessment, while townhouses and condos carry building-level dues for shared structure and grounds.
| Fee | Detached | Townhouse | Condo |
|---|---|---|---|
| KCCA annual assessment | Yes | Yes | Yes |
| Sub-association dues | Often none | Monthly | Monthly (highest) |
| One-time transfer fee | At purchase | At purchase | At purchase |
Modeled for a couple, using representative prices: detached at $480,000, townhouse at $400,000, condo at $320,000. Property tax uses Washington County's ~0.84% effective rate on a capped assessed value set below market.
| Annual item | Detached | Townhouse | Condo |
|---|---|---|---|
| KCCA assessment | ~$1,000 | ~$1,000 | ~$1,000 |
| Sub-association dues | $0 | ~$2,400 | ~$3,600 |
| Property tax (Wash. Co.) | ~$2,950 | ~$2,450 | ~$1,960 |
| Insurance (est.) | ~$1,500 | ~$900 | ~$600 |
| Approx. annual cost | ~$5,450 | ~$6,750 | ~$7,160 |
The condo paradox: the cheapest home to buy can be the most expensive to carry. A King City condo costs the least upfront, but its sub-association dues (covering building structure, roof, and grounds) push the annual carrying cost above a detached home that has no sub-association. The condo still wins on total cost once you factor the much lower purchase price and mortgage — but on monthly cash flow alone, the detached home can be cheaper. Always compare both the price and the dues.
| Home type | 10-yr carrying cost | + purchase price |
|---|---|---|
| Detached ($480K) | ~$62,500 | Highest price, lowest dues |
| Townhouse ($400K) | ~$77,400 | Mid price, mid dues |
| Condo ($320K) | ~$82,100 | Lowest price, highest dues |
Carrying-cost order inverts the purchase-price order — which is exactly why "what's the HOA fee?" is the wrong first question at King City. The right question is "what's the total of KCCA plus this specific home's sub-association, plus the tax on its assessed value?"
Send us the specific listing and we'll stack the KCCA assessment, that home's sub-association dues, and the tax for an exact number.
Get your King City projectionIllustrative estimates for planning. KCCA and sub-association dues vary by building and year; property tax depends on the specific home's assessed value. Confirm all figures before relying on them. Not financial advice.