Home Owner Association (HOA) fees will vary depending on the development. Townhouse and condominium communities typically (but not always) cover exterior maintenance of the buildings, parking lots, landscaping, exterior lighting, amenities such as pools, clubhouses, playgrounds, etc. and insurance for the buildings (but not your contents). HOA's for single family home communities typically only cover common areas with homeowners responsible for their own exterior maintenance, landscaping and insurance. It is a good idea to review the neighborhood documents that define what is covered and a current budget including reserves (money in the bank to pay for big ticket items) to find out the financial health of the HOA before you buy. Associations without adequate reserves may need to collect assessments from each owner to pay for big ticket items like roofs, paving parking lots, painting and repairing exteriors, etc.