What to Expect From HOA Fees in Abilene, TX, in 2026

Abilene's housing market moves fast, with a third of homes recently selling above list price. Browse local listings and you'll notice that mandatory homeowners association dues aren't a universal feature here.

These charges vary complex by complex, and comparing what each fee covers against the exterior and maintenance bills it replaces is the only reliable way to judge whether dues fit your budget before you make an offer.

Key takeaway

Abilene HOA dues are set complex by complex, and the two complexes with recent listed fees are $279 a month apart, so start by comparing what each fee covers rather than hunting for a city average. If low monthly costs matter most, start with Annwood Condominiums (Caton Place) and confirm its current fee. If you'd rather hand off exterior, yard, and pest work, Green Oaks Town Homes (Fairways) bundles those in, so get its current fee in writing.

Who this guide is for

You're weighing an Abilene condo, townhome, or home in an HOA subdivision and need to figure out what the dues cost, what they cover, and whether they fit your budget before you offer.

How much are HOA fees in Abilene?

In Abilene, HOA dues are a complex-by-complex cost, not a city average. The local resale market is overwhelmingly single-family, which means there's no reliable city-wide HOA benchmark to lean on. Of the 479 homes sold in the 90 days ending September 30, 2026, 465 were single-family houses.

Because so few condos or townhomes change hands, there's no published median fee for those property types. The fee you pay depends entirely on which complex or subdivision you buy into, and the named complexes below differ by more than double. If you're comparing a condo to a house, review a types of homes in Abilene guide to see how the ownership structures differ.

Many single-family homes carry no dues at all. Always check the deed restrictions with the title company to confirm whether a mandatory property owners' association applies to a specific house.

At a glance

• Median sale price, all homes: $298,858, up 24.5% year over year (90 days ending Sept. 30, 2026)
• Median sale price, single-family: $298,881, up 23.9% year over year (90 days ending Sept. 30, 2026)
• Homes sold: 479 all homes, 465 of them single-family (90 days ending Sept. 30, 2026)
• Median days on market, all homes: 20 (90 days ending Sept. 30, 2026)
• Sale-to-list ratio, all homes: 99.2%; share sold above list: 33% (90 days ending Sept. 30, 2026)
• Months of supply, all homes: 2.1; inventory: 328 homes (90 days ending Sept. 30, 2026)
• Median price per square foot: $176 all homes, $178 single-family (90 days ending Sept. 30, 2026)

HOA fees at named Abilene complexes

Each association in Abilene sets its own budget based on the amenities it maintains and the reserves it needs for future repairs. The figures below come from recent real estate listings and show how widely these costs vary.

Always ask the association or listing agent for the current monthly fee in writing, and ask when it last changed, before you make an offer.

University Hills Condominiums

Per a current listing, dues at University Hills Condominiums run $454 a month, about $5,448 a year before any special assessment. That's the highest named fee among the complexes listed here, and it comes with the broadest coverage description. The listing, active as of October 21, 2026, notes that the fee covers all facilities and association management.

The problem is that the listing doesn't itemize what "all facilities" includes, and FHA approval isn't confirmed. Ask the association for its budget and insurance summary to find out whether utilities are covered, and check HUD's condo lookup before counting on an FHA loan.

Annwood Condominiums (Caton Place)

This complex has the lowest named fee in the group: about $175 a month, per a listing that sold on April 17, 2026. A low fee can keep your monthly housing costs down, but it's only a bargain if the reserves are healthy and the coverage is reasonable.

What you give up is certainty. The listing that named the fee has since closed, and no current source confirms what it covers. Confirm the current fee, what it includes, and the reserve balance before treating it as the cheap option. Low dues with thin reserves can lead to special assessments later.

Green Oaks Town Homes (Fairways)

Per a current listing, dues at Green Oaks Town Homes cover structure maintenance, pest control, and the grounds. The coverage goes further than the other two complexes by also handling front yard maintenance and management fees, shifting several typical homeowner costs directly onto the association.

The catch is that there's no current fee on record, so you can't compare it with the others until you get it in writing. Also ask exactly what "maintenance structure" means here, and whether it includes roofs, exterior walls, foundations, or only some of those elements.

What Abilene HOA fees cover and what they replace

Dues only make sense when you compare them against what you'd otherwise pay yourself for the same services. The $279 monthly gap between the two named fees adds up to $3,348 a year. You have to ask whether the pricier complex's coverage saves you that much in yard care, exterior repairs, pest control, or amenity costs.

To make a real comparison, get local quotes for yard care, pest control, and exterior upkeep, then stack those against what the dues replace. You can factor those numbers into your overall cost of living in Abilene.

Don't forget what dues usually don't cover: interior repairs and your own HO-6 contents and walls-in insurance policy. Ask what the master insurance policy covers and whether you'll need supplemental coverage, and confirm those details with the association's budget.

Other HOA costs to budget for

Monthly dues are only one part of the financial picture when buying into a managed community. Associations also charge several one-time fees when a property changes hands, and they can levy extra bills for major repairs down the road.

These items will appear on your settlement statement alongside your other buyer closing costs.

Resale certificate and transfer fees

In Texas, the resale certificate is the document that tells you the current dues and any known special assessments before you close, per Texas Property Code §207.003. Under this statute, the association must deliver a certificate disclosing unpaid amounts on the property, regular assessment amounts, and approved capital expenditures. The association or its management company charges a fee to assemble that documentation and to transfer the account to your name.

Fees vary by management company and aren't set by this page. Ask the association or title company for the exact resale certificate and transfer charges, and check your contract to see how they split into the seller closing costs.

Working capital contributions

A working capital or initiation contribution is a one-time payment made to the association at purchase. It's common in newer subdivisions and helps fund the association's initial reserve account. It's separate from a transfer fee, which just covers the administrative cost of updating ownership records.

The amount, if any, is set in each association's governing documents. Ask for the dedicatory instruments and the resale certificate rather than assuming there's no initiation fee.

Special assessments

Special assessments are one-off charges levied when the reserve account can't cover a large, unexpected repair, like a new roof or a major plumbing overhaul. You can spot the risk of future assessments by reviewing the association's reserve study, its current reserve balance, and the board minutes. Texas law requires a condominium resale certificate to state the amount of reserves for capital expenditures, giving you a window into the association's finances.

A low monthly fee can hide underfunded reserves. Ask for the latest reserve study and the last 12 months of board minutes, and treat any planned roof or structural work as a likely future bill.

How much is too much for an HOA fee?

A fee is too much if it costs more than the individual services it replaces, or if the association holds thin reserves despite charging high dues. It's also too much if it pushes your total monthly payment past what your lender will approve. Dues count in your debt-to-income ratio for qualifying, so review how much house you can afford in Abilene before touring properties.

You also have to factor in the current market. With all-homes inventory sitting at 2.1 months of supply and 33% of homes selling above list price, sellers may not wait while you read documents. Amber Kimmel at Keller Williams can request a complex's HOA documents before you write an offer, helping you move faster.

A couple of questions worth settling early: do you want to handle yard, exterior, and pest upkeep yourself? If not, compare what each complex's dues cover. If yes, a single-family home may carry lower or no dues. Financing with an FHA loan? No named complex has a confirmed FHA status, so check approval before you fall for a unit.

Request the resale certificate, budget, and reserve study as early as possible, and understand the termination right in the TREC addendum for property subject to mandatory association membership. This is not legal or tax advice, so consult the Texas Property Code and your own attorney or lender for specifics.

Abilene HOA fees FAQs

How much is the HOA per month in Texas?

Texas has no official statewide average figure, and dues vary entirely by the specific association. The named Abilene condo listings above, for example, range from the lowest fee of $175 to $454 a month. Texas law sets specific rules on how associations adopt and raise regular assessments, which you can find in the Texas Property Code.

Are HOA fees in Abilene paid monthly or yearly?

It depends on the association. The named condo listings in Abilene quote monthly fees, while billing schedules for subdivision property owners' associations vary. Texas Property Code §209.0062 requires larger property owners' associations (more than 14 lots) to offer an alternative payment schedule of at least three months for delinquent assessments. Check the resale certificate and governing documents to confirm the exact schedule and due dates.

Who pays the HOA transfer fee in Abilene, the buyer or the seller?

This is negotiable and is set in your purchase contract and the HOA addendum. The Texas Real Estate Commission publishes an "Addendum for Property Subject to Mandatory Membership in a Property Owners Association" that dictates how these fees are handled. Confirm the final allocation with your real estate agent and the title company.

Can a Texas HOA raise its fees?

Yes, increases follow the association's governing documents and the procedures outlined in the Texas Property Code. Ask when the fee last changed and whether an increase is proposed in the current budget. This is not legal advice, so consult an attorney with specific questions.

Can an HOA foreclose on a home in Texas for unpaid dues?

Yes, but Texas places limits on association foreclosures. An association may not foreclose an assessment lien if the debt consists solely of fines or the attorney's fees associated with those fines, under Texas Property Code §209.009. An association must also obtain a court order in an application for expedited foreclosure. This is not legal advice; speak to an attorney for a specific situation.

Can I use an FHA loan to buy a condo in Abilene?

FHA financing requires the condo project to be approved, or the specific unit to qualify for single-unit approval. HUD maintains an official online tool where you can look up whether a specific project is FHA-approved. None of the named Abilene complexes has a confirmed FHA status, so look up the complex on HUD's site, ask your lender, and review current mortgage rates in Abilene.

Do all Abilene neighborhoods have an HOA?

No, many homes carry no mandatory dues. Most sales in the area are single-family houses, and many of those have no association at all, though some subdivisions do have a mandatory property owners' association. You can get the deed restrictions from the title company or search the Taylor County Clerk's Office Official Public Record, and you can also look up the association's management certificate in county records.

Are HOA fees tax deductible?

Generally not for a home you live in, but potentially yes for a rental property. IRS Publication 530 states that homeowners association fees are a non-deductible item for a primary residence, while IRS Publication 527 notes that ordinary and necessary rental expenses can typically be deducted from rental income. This is not tax advice, so consult a tax professional.

Sources

• Redfin: Data Center
• NTREIS listing #21415897 (active 2026-10-21)
• NTREIS listing #21295279 (active)
• NTREIS listing #21175100 (sold 2026-04-17)
• Texas Property Code Chapter 207
• Texas Property Code Chapter 82
• Texas Property Code Chapter 209
• Texas Property Code Chapter 209 Payment Plans
• Texas Property Code Chapter 209 Records
• Texas Property Code Chapter 209 Management Certificates
• TREC Forms
• HUD FHA-Approved Condominium Search
• Taylor County Clerk Official Public Records
• IRS Publication 530
• IRS Publication 527