11/03/2026
🏘️ TOWNHOME BUYER QUESTION OF THE WEEK:
“If I pay an HOA fee, does that mean the HOA takes care of everything outside?”
Not necessarily.
What an HOA covers can vary significantly from one townhome community to another.
Depending on the association, dues may cover things like:
❄️ Snow removal
🌱 Lawn care
🗑️ Garbage
🏡 Exterior building maintenance
🌳 Common-area maintenance
🔨 Roof or siding
But homeowners may still be responsible for certain exterior components, insurance deductibles, decks, patios, windows, doors or other items.
That’s why I tell townhome buyers:
👉 Don’t just ask, “How much are the HOA dues?”
Ask:
“What exactly do those dues cover—and what will still be my responsibility?”
I also want buyers looking at:
✔️ Association reserves
✔️ Recent or proposed assessments
✔️ HOA rules
✔️ Insurance responsibilities
✔️ Maintenance obligations
✔️ Meeting minutes and financial information
Townhomes can be a fantastic option for buyers who want less exterior maintenance—but understanding the HOA is just as important as understanding the home itself.
If you’re looking at townhomes in Rochester, I’d be happy to help you compare the options.
Niki Fleming, REALTOR®
Engel & Völkers Rochester
📱 507-250-1831