The average Bucks County homeowner spends between $8,000 and $12,000 annually on home maintenance alone. That number doesn’t include utilities, lawn care services, or the weekend your water heater decides to quit. When you add everything up, most homeowners are spending WAY more maintaining their current property than they’d pay in HOA fees at a 55+ community, and they’re doing all the work themselves!
The Swain Team has helped hundreds of Bucks County seniors make this transition, and we’ve crunched the numbers more times than we can count. Call us at 267-397-6291 and we’ll show you exactly how the math works for YOUR situation.
What You’re REALLY Paying at Your Current Home
Let’s get real about the hidden costs of homeownership. Most people focus on their mortgage payment and forget about everything else that comes with maintaining a property.
Here’s what the average Bucks County homeowner is actually spending each year:
Lawn Care & Landscaping:
- Professional mowing service: $150-$200/month (April-November) = $1,200-$1,600/year
- Spring cleanup and mulching: $400-$600
- Fall leaf removal: $300-$500
- Snow removal for driveway and walkways: $400-$800/winter
- Annual total: $2,300-$3,500
Home Maintenance & Repairs:
- HVAC servicing and repairs: $300-$800/year
- Roof maintenance and repairs: $500-$1,200/year (averaged over time)
- Gutter cleaning: $200-$400/year
- Exterior painting/siding maintenance: $300-$600/year (averaged)
- Plumbing repairs: $300-$600/year
- Electrical work: $200-$400/year
- Annual total: $1,800-$4,000
Utilities & Services:
- Water and sewer: $800-$1,200/year
- Trash collection: $300-$500/year
- Annual total: $1,100-$1,700
Property Improvements:
- Driveway resealing: $400 every 2-3 years
- Window repairs/replacement: $500-$1,500 (averaged annually)
- Deck/patio maintenance: $300-$700/year
- Annual total: $800-$2,200
The SHOCKING Total: Most Bucks County homeowners are spending $6,000 to $11,400 annually on these items, and that’s BEFORE any major emergencies like a furnace replacement ($5,000-$8,000) or roof replacement ($8,000-$15,000).
What Your HOA Fee ACTUALLY Covers
Now let’s talk about what you get with a 55+ community HOA fee. This isn’t just some mysterious charge: it’s a comprehensive service package that eliminates most of those expenses we just listed.
At communities like Heritage Creek, Legacy Oaks, and Regency at Yardley, your monthly HOA fee typically covers:
Exterior Maintenance:
- All lawn mowing and landscaping
- Seasonal flowers and mulch
- Tree trimming and care
- Snow removal from driveways AND walkways
- Exterior building maintenance and repairs
- Roof maintenance and replacement
- Gutter cleaning
Services:
- Trash and recycling collection
- Common area maintenance
- Street lighting and maintenance
- Some communities include water and sewer
Amenities:
- Clubhouse access
- Fitness centers and pools
- Activity rooms and event spaces
- Walking trails and recreation areas
The Real Kicker: You’re not just paying for services: you’re buying PEACE OF MIND. When something breaks, you make one phone call and it gets handled. No hunting for contractors. No waiting three weeks for someone to show up. No unexpected $4,000 bills!
The Side-by-Side Comparison
Let’s look at real numbers from actual Bucks County 55+ communities. The Swain Team works with these communities daily, and we have the inside scoop on what you’re really getting.
Heritage Creek in Warminster:
- Average HOA fee: $250-$400/month ($3,000-$4,800/year)
- Covers: Full exterior maintenance, lawn care, snow removal, trash, amenities including the Marquis Club and Spa
- Current home prices: Mid $500,000s to upper $600,000s
- Your savings compared to traditional homeownership: $2,000-$6,600/year
Legacy Oaks in Warrington:
- Includes maintenance-free living with putting green and pool access
- Check out our detailed guide here
- You’re spending LESS than maintaining your current property AND getting premium amenities!
Regency at Yardley:
- Premium Toll Brothers construction
- Comprehensive exterior maintenance
- Resort-style clubhouse and amenities
- The HOA fee is typically THOUSANDS less per year than what you’re currently spending on maintenance!
The Hidden Value Most People Miss
Here’s what we tell our clients all the time: HOA fees aren’t an expense: they’re a TRADE. You’re trading unpredictable maintenance costs and weekend chores for predictable monthly fees and FREE weekends.
Time Value:
How many hours do you spend each month on yard work, maintenance calls, and home repairs? If you value your time at even $25/hour and you’re spending 10 hours a month on home maintenance, that’s another $3,000 per year in “hidden costs.”
Stress Reduction:
No more worrying about that weird noise the furnace is making at 2 AM. No more panic when you see water spots on the ceiling. No more dreading the first snowfall because you have to clear the driveway before work.
Budget Predictability:
With an HOA fee, you KNOW what you’re paying each month. No surprise $6,000 roof repair. No emergency $3,000 HVAC replacement. Your housing costs become predictable and manageable.
Real Talk About the Market Right Now
Here’s the TRUTH about Bucks County 55+ communities in 2026: There’s HIGH demand and LIMITED inventory. The median listing price for 55+ homes in Bucks County is around $549,000, and homes are spending an average of just 32 days on the market.
We wish we had MORE inventory to show our clients! Communities like Heritage Creek, Legacy Oaks, and others often have WAITING LISTS for the most desirable units. When something comes available, it moves FAST!
The Swain Team gets early access to many listings before they hit the public market. If you’re serious about making this move, call us at 267-397-6291 TODAY. We’ll get you on our priority list and notify you the SECOND something becomes available in your preferred community.
The Math That Makes Sense
Let’s say you’re looking at a home with an HOA fee of $350/month ($4,200/year). Your current home maintenance costs are around $9,000/year.
That’s $4,800 in SAVINGS every single year!
Over 10 years, that’s $48,000 you’re NOT spending on maintenance: and you’re getting access to amenities you’d never have at your current home. Plus, you’re getting back countless hours of your time and eliminating the stress of home maintenance.
When you put it that way, the HOA fee isn’t a cost: it’s an INVESTMENT in your quality of life!
Making the Move: What You Need to Know
The Swain Team specializes in 55+ communities throughout Bucks County. We know these neighborhoods inside and out because we work with buyers and sellers there every single day. We understand the fee structures, the amenities, the community cultures, and most importantly: we know how to find you the RIGHT fit.
Here’s what we recommend:
- Schedule a consultation with us to review your current home expenses
- Tour multiple communities to compare amenities and fee structures
- Crunch the numbers together to see your real savings potential
- Act quickly when we find the right property: good homes don’t last!
Visit our comprehensive guide at BucksCountyBoomers.com to explore all the 55+ communities in Bucks County, or call The Swain Team directly at 267-397-6291.
Ready to See How Much You Could Save?
Stop throwing money at home maintenance and start investing in your lifestyle! The Swain Team can show you EXACTLY how much you’d save by moving to a 55+ community in Bucks County.
We’ll create a personalized comparison based on YOUR current expenses and show you available homes that fit your budget and lifestyle. We’re more than willing to sit down with you, go through all the numbers, and answer every question you have.
Call us at 267-397-6291 or email us through BucksCountyBoomers.com. Don’t wait until that perfect home in Heritage Creek, Legacy Oaks, and Regency at Yardley slips away: these communities are HOT right now, and inventory won’t last!
Your maintenance-free, amenity-rich, financially smart future is waiting. Let’s make it happen!