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Florida continues to sell the lifestyle dream, but in 2026 an overlooked factor is quietly transforming the housing market. Homeowners Associations are no longer just about shared amenities like pools or clubhouses. In many neighborhoods, HOA fees and surprise assessments are starting to function like an extra mortgage payment, reducing buyer interest, slowing sales, and pushing prices downward — even in areas that once seemed immune to market pressure. In this countdown, Discover the Cities explores 10 Florida cities where HOAs are placing serious pressure on local housing markets by increasing monthly costs, enforcing stricter regulations, and adding new financial uncertainty for both buyers and homeowners. We explain how HOA fees combine with rising insurance premiums, property taxes, and mortgage expenses — and why many buyers are now reviewing HOA documents as carefully as financial risk reports before submitting offers. Cities covered in this video include Jacksonville, Orlando, Tampa, Fort Myers, Sarasota, Naples, Boca Raton, Miami, Fort Lauderdale, and Weston. If you live in any of these locations, share your experience in the comments. Are HOA fees increasing? Are special assessments becoming more frequent? Are homes in HOA communities staying on the market longer? Are buyers asking for larger price reductions or incentives? 📌 Disclaimer: This content is intended for educational and informational purposes only and should not be considered financial advice. 🔔 Subscribe to Discover the Cities for weekly in-depth analysis on housing trends, migration patterns, and the economic forces reshaping America in 2026. #florida #housingmarket #realestate #floridahousingmarket #hoa #realestate2026 #housingcrash #homeprices2026 #mortgagerates #insurancecrisis #condos #southflorida