If you don't want to pay these fees, it's simple don't buy in a development where there are fees. Before buying anything you should definitely find out if there are fees, if so how much, and what they cover. These neighborhoods often have all sorts of rules and regulations and their not necessarily bad but you need to know before you buy.
I would advise you to find an experienced buyer broker who can assist you and answer your questions. I've attached a link below on how do do this.
I can tell by your question that you should absolutely be working with a Buyer Broker. This won't cost you anything and will likely save you money and time. They will be a great source of information which you'll both need and want.
If you're looking at condos or townhomes you cannot avoid an HOA fee, as you don't own the outside of the building, this is owned by the HOA. If you're looking at single family homes you can avoid HOA fees, simply don't buy in an Association.
HOA fees can cover a wide variety of things, amenities such as pools, gyms, tennis courts, etc., maintenance of the exterior of the building (condos/townhomes) maintenance of the grounds, common area insurance, etc. Each HOA is different so there's no way anyone can answer your question specifically without knowing the exact development you're looking at. Most HOA determine the exact fee based on the size of the unit not the price paid, unless their all the same size in which case the fees are identical for everyone.
Do yourself a huge favor , read the link I've attached below and then start interviewing local agents to find yourself an experienced buyer broker, you'll be glad you did.
Hope this helps
The only way to avoid HOA fees is to buy property in a community that does not have a Home Owners Association or one that has a voluntary Home Owners Association. Once you purchase in a community with a HOA you are locked into those fees established by the community.
HOA fees may include amenities you recieve by living in the community including, maintenance of common ground, roads, pools, community facilities, insurance etc. The benefits that are available vary from one community to another. You should check with your association to find our the specifice of coverage.
There are rules and guidelines that are also associated with an HOA that are intended to protect the rights and property of those people that live in the community. These also vary between communities.
Before buying a property we recommend to our customers to contact the President of the HOA and/or other board members to inquire about the community history, current issues, as well as future plans for the community.
We hope you find this information to be helpful.
The "Eckler Team"
Michael Saunders & Company
2008 Five Star Award for Outstanding Customer Service
An HOA is a Home Owner's Association. The association assists with maintaining and improving that property and others in the same group. The fee is paid either monthly or yearly. If owners of property belonging to a homeowners' association do not pay the required monthly (sometimes annual) fees as well as any special assessments, the homeowners' association can foreclose on the delinquent homeowner. Prospective homebuyers should always inquire as to whether the property they are interested in has HOA fees before committing to buy it because these fees can affect a homeowner's ability to afford the property. HOA fees can vary widely depending on factors such as community amenities and how effectively the reserve fund is managed.