BUYER RESOURCES
What a golf home really costs each month
The mortgage, taxes, HOA and the club, added up in one number.
A listing shows a price and maybe a monthly payment. In a club community, that payment leaves out a lot: dues, the food and beverage minimum, and sometimes an HOA on top. Pick a community below and the calculator fills in its median sold price and reported club costs. Change any number to match the home you’re looking at.
The home
Choosing a community fills in its median sold price and reported club costs. You can change any number.
Varies by street and sub-association. Check the listing.
The loan
Starts at the latest national 30-year average. Use the rate your lender quotes.
About 0.5% is typical in Maricopa County. Your bill depends on the parcel.
A rough starting estimate. Get a quote for the actual home.
The club
Capital dues, assessments or service charges not already in the dues.
Paid when you join. Not part of the monthly number.
Estimated monthly cost
$0
per month
With less than 20% down, most lenders add mortgage insurance. It isn’t included here.
Paid once, not monthly
These figures are estimates for planning only, not a loan offer or a quote from any club. Club costs are reported or published figures as of fall 2026 and can change at any time; where a club reports a range, the low end is used. Median prices are sold homes over the last 12 months from ARMLS via Flexmls, deemed reliable but not guaranteed. Confirm the payment with your lender and current fees with the club. Abby Burton, REALTOR® · Keller Williams Arizona Realty.
