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Homeowners Association for single family homes are few and in between in the Florida Keys. Typically, if a neighborhood has a Homeowners Association, it is voluntary. The average cost of an HOA in the Florida Keys is around $200.00 – $300.00 yearly.

Although there are a limited number of HOA’s in the Florida Keys, when a neighborhood does have them, they often offer you access to a beach, picnic area, and boat ramp! Which is pretty awesome if you don’t own a home on the water.