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How much are HOA fees in Cypress?
Answered by Allen Markel, REALTOR®, Texas Premier Realty ·
Short answer
Nearly every Cypress listing carries HOA dues: 1,276 of 1,326 active homes (96%) show a fee, and the median is $1,200 a year, about $100 a month. The middle half of homes falls between $850 and $1,400 a year. Some subdivisions differ: Bridgeland's median is $1,400 a year, Towne Lake's is $2,184 and Mason Woods' is $850. Dues appear on the listing as entered by the listing agent, so confirm the amount, what it covers and any transfer or capital fees with the association.
What is the typical HOA fee in Cypress?
Of 1,326 active residential listings in Cypress, 1,276 list an association fee greater than zero. We convert each fee to a yearly amount using its stated frequency; 1,245 are annual, 27 monthly and 4 semi-annual. The median is $1,200 a year and the quartiles are $850 and $1,400. Nearly all of Cypress is master-planned, which is why the share with dues is far higher than in Harris County overall, where 73% of active listings (14,989 of 20,471) show a fee and the median is $975. The 50 Cypress listings with no fee recorded may have no HOA or may simply have an incomplete listing, so treat 'no fee' as unconfirmed. For comparison, Katy's active listings show a median of about $1,195 a year across 2,536 homes with a fee, so Cypress at $1,200 is in the same range. Bridgeland is the largest single source of listings (227 with a fee) and pulls the city median toward its own $1,400. Because the fee sits in an agent-entered field, we checked frequency labels and normalized each fee to a year before taking the median.
How does the fee change the monthly cost and the loan, and what do the fees usually cover, and what else should I ask?
A $1,200 annual fee adds $100 a month to the cost of owning the home. Lenders count HOA dues in the calculation of how much of your monthly earnings go to debt payments, so the fee also lowers what a buyer can borrow. At a 7.03% 30-year rate (Freddie Mac survey, September 24, 2026), $100 a month of extra obligation is roughly the payment on $15,000 of loan principal. Compare two homes at the same price: one at $850 a year adds about $71 a month, one at $2,184 a year adds about $182 a month, a $111 monthly difference before taxes. Dues can rise, and associations can levy special assessments, so ask for the current budget and reserve balance in the resale certificate before you commit. In our listing data the community features tied to Cypress dues are most often a community pool, a master plan with common areas, and curb and gutter maintenance, but the exact list varies by association. Ask what the dues include (common-area maintenance, amenity centers, trash, security patrol), whether there is a separate fee at closing such as a transfer fee or a capital contribution, and whether any additional assessments are scheduled. In Texas the seller must provide the subdivision information and resale certificate for a property in an owners' association, and the buyer has the right to review it before closing.
| Subdivision | Homes with a fee | Median annual dues |
|---|---|---|
| Bridgeland | 227 | $1,400 |
| Marvida | 48 | $1,290 |
| Mason Woods | 36 | $850 |
| Towne Lake | 35 | $2,184 |
| Dunham Pointe | 34 | $1,200 |
| Avalon at Cypress | 31 | $1,200 |
| Bridgeland Central | 27 | $1,360 |
| Bridgeland Parkland Village | 15 | $1,400 |
| All Cypress (1,276 homes) | 1276 | $1,200 |
Common follow-up questions
What percent of Cypress homes have an HOA?
96% of active listings (1,276 of 1,326) show a fee; the remainder may have no HOA or a blank field.
Are Cypress HOA dues paid monthly or yearly?
In our data 1,245 of the 1,276 fees are listed as annual, 27 as monthly and 4 as semi-annual.
Do HOA dues count toward my mortgage qualification?
Lenders generally include HOA dues in the housing payment used to calculate debt ratios.
Sources
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Related questions
What does it cost per month to own a house in Cypress, taxes and HOA included?
There is no single monthly number for Cypress, because taxes and MUD lines differ by address.
Read answerHow much are property taxes in Cypress, TX?
The median total property-tax rate on Cypress homes for sale is 2.63% of taxable value, measured on the 1,055 of 1,326 active listings where we hold a complete 2025 tax stack.
Read answerHow much are HOA dues in Harris County?
Across Harris County, 73% of active listings (14,989 of 20,471) show HOA dues, and the median is $975 a year, with the middle half between $520 and $1,895.
Read answerCypress vs Katy: how do taxes, HOA dues and prices compare?
Cypress homes cost more and carry a higher tax rate. The six-month median sale price is $420,860 in Cypress and $350,000 in Katy, or about $170 versus $160 per square foot.
Read answer
Answers describe transactions and public data. They are not legal, tax or financial advice.