HOA Communities in Palm Bay, Florida (2026)
Palm Bay, Florida has 8 HOA communities listed on HOA's HUB, with monthly dues ranging from $70 to $328 and a median of $220. That places Palm Bay well below the state average (about 33% less) for Florida. The local mix skews toward single-family (5), townhouse (1), and subdivision (1). Pet policies are relatively strict - only 13% of communities allow pets with most associations restricting rentals to protect owner-occupancy. Median home prices in tracked communities run about $324,195.
HOA's HUB lists 8 active HOA communities in Palm Bay spread across 2 counties (Brevard, Palm Bay). Fee spread in Palm Bay runs from $70 to $328 a month, centring on $220. Single-Family dominates the mix at 71% of tracked communities, with 2 other property types also represented. Among Palm Bay communities tracked: 13% permit long-term rentals, 13% allow short-term / Airbnb-style rentals, 13% are pet-friendly. Palm Bay sits about 33% under the Florida statewide average ($326). Among the higher-profile associations tracked here is Courtyards at Waterstone with monthly dues near $328. Scroll on to browse each Palm Bay community's fees, amenities, and pet or rental rules side-by-side.
Palm Bay HOA Market Snapshot
Property Types in Palm Bay
Most Common Amenities
Where Palm Bay Is on the Map
Palm Bay, Florida is located at approximately 28.015, -80.599. The map below shows the surrounding area, including neighborhoods where the HOA communities listed on this page are located.
About Palm Bay, Florida
City in Florida, United States
Palm Bay is a city in Brevard County, Florida, United States. The city's population was 119,760 at the 2020 United States census, up from 103,190 at the 2010 census, making it the most populous city in the county and the largest by land mass. The historic section of the city lies on the mouth of the Turkey Creek and the Palm Bay. Palm Bay has historically expanded south and to the west. The newer section is mostly situated west of Interstate 95 and south of the Tillman Canal.
Continue reading on WikipediaAll HOA Communities in Palm Bay
Aspire at Treasure Coast
Aspire at Treasure Coast is a single-family home community in Palm Bay, Florida, built between 2025 and 2026 by K. Hovnanian Homes. It currently has 3 single family homes for sale with an average list price of $329,714.33. The homes range in size from 1,363 ft2 to 1,684 ft2. The average annual property tax for Aspire at Treasure Coast is $486.46. It is located in Brevard County. Median Price: $324,195
Bridgewater at Bayside Lakes
Bridgewater at Bayside Lakes is a single-family home community in Palm Bay, Florida, built between 2003 and 2004. It currently has no homes for sale. The homes range in size from 1,865 ft2 to 3,926 ft2. The HOA fees range from $122 to $153 per month. The average annual property tax for Bridgewater at Bayside Lakes is $2,778.97. It is located in Brevard County. Median Price: $435,000
Courtyards at Waterstone
Courtyards at Waterstone is a single-family home community in Palm Bay, Florida, built between 2022 and 2023. It currently has no homes for sale. The homes range in size from 1,635 ft2 to 1,867 ft2. The HOA fees range from $55 to $600 per month. The average annual property tax for Courtyards at Waterstone is $933.34. It is located in Brevard County.
Cypress Bay Preserve
Cypress Bay Preserve is a single-family home community in Palm Bay, Florida, built between 2022 and 2023 by D.R. Horton. It currently has no homes for sale. The homes range in size from 1,672 ft2 to 1,828 ft2. The HOA fees range from $70 to $70 per month. The average annual property tax for Cypress Bay Preserve is $964.17. It is located in Brevard County.
Gardens at Waterstone II
Gardens at Waterstone II is a single-family home community in Palm Bay, Florida, built between 2023 and 2024 by KB Home. It currently has no homes for sale. The homes range in size from 1,707 ft2 to 3,203 ft2. The HOA fees range from $275 to $275 per month. The average annual property tax for Gardens at Waterstone II is $88.97. It is located in Brevard County.
Harbor Square
Harbor Square is a townhouse community in Palm Bay, Florida, built between 2025 and 2026 by Centex and Pulte Homes. It currently has 5 townhouses for sale with an average list price of $263,212. The homes range in size from 1,699 ft2 to 1,782 ft2. The HOA fees range from $165 to $165 per month. The average annual property tax for Harbor Square is $173.87. It is located in Brevard County. Median Price: $278,990
Heron Bay at Waterstone
Heron Bay at Waterstone is a subdivision in Palm Bay, Florida. It currently has no homes for sale. It is located in Brevard County.
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Frequently Asked: HOAs in Palm Bay, Florida
How many homeowners associations does Palm Bay have?
HOA's HUB tracks 8 HOA communities in Palm Bay, Florida across 2 counties.
What do residents pay for HOA fees in Palm Bay?
The median monthly HOA fee in Palm Bay is approximately $220 (range $70–$328). Fees vary by amenity package, building age, and whether the community is single-family, condo, or townhome.
Are pets allowed in Palm Bay HOAs?
Of the 8 Palm Bay communities tracked, 1 (13%) are pet-friendly. Most allow domestic pets with weight and breed limits; check individual community CC&Rs for specifics.
Do Palm Bay HOAs allow rentals?
1 of 8 Palm Bay communities (13%) permit long-term rentals. Short-term rentals (Airbnb / VRBO) are permitted in 1 (13%).
Are Palm Bay HOAs mostly condos or single-family?
Palm Bay's HOA inventory breaks down as: Single-Family (5), Townhouse (1), Subdivision (1).
What county is Palm Bay, Florida in?
Palm Bay is located primarily in Brevard County, Florida. Palm Bay actually sits at the border of 2 counties (Brevard, Palm Bay), so some HOAs may be governed by different county-level regulations.
How wide is the range of HOA fees in Palm Bay?
The lowest tracked monthly HOA fee in Palm Bay is $70 and the highest is $328. The wider the amenity package (pools, gates, landscaping, on-site management), the higher the dues tend to run.
