PGA Village ownership guide | Updated October 2026
Cost of Living in PGA Village
Build a realistic budget for a PGA Village home by separating housing, association, insurance, tax, maintenance and optional golf costs.
The short answer
How much does it cost to live in PGA Village?
1. Home price and financing
PGA Village includes condos, golf villas, single-family homes and custom residences. Price depends on property type, subdivision, living area, view, pool, updates, age and condition. If financing, include principal, interest, lender requirements and any mortgage insurance in the monthly plan.
Compare asking prices with relevant completed sales and current competition. A golf view, lake view or completed renovation can affect value, but no single feature has the same value in every transaction.
2. Master, neighborhood and condo association costs
Master-level obligations
Community-wide responsibilities can differ from neighborhood or condominium obligations. Confirm every association attached to the parcel.
Neighborhood services
Lawn care, landscaping, gates, communications services and residential amenities may be included, but coverage varies.
Condo or villa maintenance
Some attached-home arrangements include exterior, roof, building insurance or other components. Review the declaration, budget and reserves.
Ask for current dues, budgets, reserve information, meeting minutes, approved assessments, transfer charges and resale disclosures. Do not rely solely on the amount in an older listing.
3. Golf and recreation
Residential ownership and golf access are separate questions. PGA Golf Club programs, public play, passes, memberships and pricing can change. Build golf into the budget only after confirming the option that matches how often and when you expect to play.
For Island Club and neighborhood amenities, confirm current access, guest rules, programming and any additional charges through the applicable documents and management.
4. Insurance, reserves and home maintenance
Obtain an insurance quote for the actual address and home before the contractual deadline. Roof age, storm protection, plumbing, electrical systems, claims history, elevation and property type can affect availability and cost.
Single-family homes
Budget for roof, exterior, HVAC, water heater, landscaping, irrigation, pest control and pool care when they are not association responsibilities.
Condos and villas
Determine what the association's policy covers and what the owner must insure. Review reserves, deductibles and assessment exposure with qualified professionals.
Inspection planning
Use appropriate professional inspections and verify permits for material improvements. A lower purchase price can come with higher near-term work.
5. Property taxes and utilities
Use the current tax bill as evidence, then ask a qualified professional how a sale, exemptions or assessed-value changes may affect the next owner's bill. Do not assume the seller's current amount will continue unchanged.
Utilities can include electricity, water and sewer, communications services, waste, pool equipment and irrigation. Some communications or service items may be included in association dues for certain properties; verify rather than double-counting.
PGA Village monthly budget checklist
- Housing payment or opportunity cost of cash.
- Estimated property taxes after purchase.
- Property-specific homeowners, condo and flood insurance guidance.
- Every association, condo and club charge.
- Utilities and services not included in dues.
- Lawn, pool, pest and routine maintenance.
- Home-system reserves for future repairs or replacement.
- Optional golf, dining, recreation and travel.
Continue your PGA Village research
PGA Village cost FAQs
Is golf membership required to live in PGA Village?
Residential ownership does not by itself establish a mandatory golf membership. Confirm current golf access, pricing and policies directly with the club.
What do PGA Village HOA fees cover?
Coverage varies by property and association. Possible services include common areas, gates, residential amenities, communications, landscaping or exterior components. Review current documents for the exact address.
Are PGA Village condos less expensive to maintain?
They can shift some maintenance to the association, but dues, reserves, building insurance, deductibles and special-assessment exposure must be considered. Compare total cost and responsibility.
How can I estimate property taxes after purchase?
Start with the current tax bill, then obtain property-specific guidance on assessed value and exemptions. The seller's current bill may not equal the next owner's bill.
Compare the complete cost
Review a PGA Village home beyond the asking price.
Ann and Jamie Chauss can help you identify the records and questions needed for a meaningful comparison.
Discuss a PGA Village propertyReviewed October 28, 2026. This guide does not publish a community-wide fee estimate because property types and obligations differ. Obtain current association, club, insurance, tax and property records. Information is general and not legal, tax, insurance or accounting advice.