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No one seems to have commented on the other aspect of HOAs: fees and assessments.

I'm currently a member of two HOAs (or HOA-like organizations), one for my townhome and another for the neighborhood, and I hate it. I pay huge amounts of money for no benefit, but at least I'm restricted in what I can do.

I did. At least in passing.

I'm in the middle of a house-hunt, now, and it's damn tough finding a place that fits our needs, that doesn't have an HOA attached to it. Some of them have fees on the order of $2-300/month!