Some years back, my sister and her husband bought into an HOA. All they talked about was how great it was, how much their property values were going up and how it only cost a few more dollars each month to live in such a nice area. 25 years later....they can't sell their HOA for what they have invested, their property taxes are far higher than my 5.5 acers, and there insurance is much higher even though my values are higher than there's ! No way can anyone convince me to live in one.