By HOA do you mean homeowners association? If so, in the State of MIchigan this rate varies by community and the types of ammenities that are covered. For example, a homeowners association for a neighborhood of houses where the association is only responsible for cutting grass in common areas and having snow shoveled usually will have lower annual fees than a neighborhood which includes common play areas, fountains, and tennis courts. It is a question you need to ask about each property you are interested in buying or renting. Good luck!