Is an HOA worth a better home?

Currently shopping in the Chicago Suburbs area and my partner and I have seen a trend in available homes.

Nicer homes in, generally speaking, a more centralized location to our lives. 4/2.5 houses with small backyards in some of the top school districts in the area. Big catch is these are usually in HOAs that cover all exterior maintenance but run $300/month+ and don’t have things like a community park or pavilion area (they’re nice but its not like I get a pool or gym like I’ve seen at some other places). These areas are 100% white collar which seems to be a good thing for helping keep your kids on track for the future.

Same size 4/2.5 homes but slightly lower end homes and realistically adding 15-20 minutes each way to the work commute for both spouses as well as driving to family. Schools are good but absolutely a step down. These areas are more higher paid blue collar and or white collar (usually a household with a stay at home parent).

I’ve never lived in an HOA and obviously there are some strong feelings on reddit about them… /r/fuckHOA for starters… Has anyone else had to weigh in on if dealing with an HOA is worth the headaches for a better location? Curious since I am not a very outdoorsy backyard person excluding maybe bonfires (allowed at the HOA) and perhaps a soaking pool in summer and winter. Seems having someone else take care of all exterior maintenance frees my life up to do the things I want (like travel whenever Covid ends) but there’s always the risk of the HOA going sideways? I like the idea of being given a small backyard for my own oasis and then then nothing else is my problem which was what I have enjoyed the most about renting.

submitted by /u/gc9999
[link] [comments]

Currently shopping in the Chicago Suburbs area and my partner and I have seen a trend in available homes. Nicer homes in, generally speaking, a more centralized location to our lives. 4/2.5 houses with small backyards in some of the top school districts in the area. Big catch is these are usually in HOAs that cover all exterior maintenance but run $300/month+ and don’t have things like a community park or pavilion area (they’re nice but its not like I get a pool or gym like I’ve seen at some other places). These areas are 100% white collar which seems to be a good thing for helping keep your kids on track for the future. Same size 4/2.5 homes but slightly lower end homes and realistically adding 15-20 minutes each way to the work commute for both spouses as well as driving to family. Schools are good but absolutely a step down. These areas are more higher paid blue collar and or white collar (usually a household with a stay at home parent). I’ve never lived in an HOA and obviously there are some strong feelings on reddit about them… /r/fuckHOA for starters… Has anyone else had to weigh in on if dealing with an HOA is worth the headaches for a better location? Curious since I am not a very outdoorsy backyard person excluding maybe bonfires (allowed at the HOA) and perhaps a soaking pool in summer and winter. Seems having someone else take care of all exterior maintenance frees my life up to do the things I want (like travel whenever Covid ends) but there’s always the risk of the HOA going sideways? I like the idea of being given a small backyard for my own oasis and then then nothing else is my problem which was what I have enjoyed the most about renting. submitted by /u/gc9999 [link] [comments]

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