TLDR
PayHOA's pricing is straightforward: scales by unit count starting at $49/mo for up to 25 units on annual billing, all features included at every tier, no long-term contracts, 30-day free trial with no credit card. What the pricing page does not explain is the payment processing fees added on top, and the fact that reserve tracking is partial -- through accounting only, with no dedicated reserve study module.
PayHOA
$49/mo (≤25 units)per month
BoardStack
$20–$99/moper month, no setup fee
PayHOA Pricing Tiers
| Tier | Price | Includes |
|---|---|---|
| Up to 25 units | $49/mo (annual billing) | Online dues collection, Homeowner payment portal, Violation tracking with photo documentation, Document storage and management, Email communication tools, Accounting with custom chart of accounts, Bank syncing, All features included -- no gating |
| 26-100 units | Scales by unit count (~$1.09/unit/mo at 100 units) | All features included (same as smaller tier), No feature gating or tier-locked capabilities |
| 500+ units | ~$0.55/unit/mo | All features included (same as smaller tiers), Volume pricing for large communities |
Hidden Costs You Won't See on the Pricing Page
- ⚠ Payment processing fees on all online dues payments -- rates not published on the pricing page
- ⚠ No dedicated reserve study module -- reserve tracking only through accounting
- ⚠ Bank integration limited to major banks: credit unions and community banks may not connect directly
- ⚠ No percent-funded dashboard or fund separation enforcement at the transaction level
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See plans & pricingPayHOA’s pricing model
PayHOA scales pricing by unit count starting at $49/mo for up to 25 units on annual billing. All features are included at every tier — no feature gating, no upsells. Month-to-month billing is available at a higher rate. The transparency is a genuine advantage. A volunteer board can read the pricing page and bring a number to a vote without a sales call. A 30-day free trial is available with no credit card required.
PayHOA raised a $27.5M Series A in May 2024, and it is purpose-built for HOAs rather than adapted from rental property management software. G2 reviews average 4.6/5 across roughly 75 reviews; Capterra averages approximately 4.5/5 across roughly 70 reviews.
What you get at every tier
All features are included at every pricing level. Online payment collection, violation tracking, document storage, communication tools, accounting with custom chart of accounts, and bank syncing are available whether you are paying $49/mo or more. There is no tier-locked functionality.
The accounting module supports custom chart of accounts, which means you can set up separate reserve and operating fund categories. Bank syncing lets you connect accounts for reconciliation. This is useful, but it is accounting-level reserve tracking, not compliance-level reserve tracking. The software does not enforce which transactions hit which account or track progress against a reserve study’s funding recommendations.
What the pricing page does not mention
Payment processing fees are additional and not published on the pricing page. If your community collects dues primarily by credit card, processing costs can increase the effective monthly cost above the subscription rate. PayHOA’s bank integration does not cover all financial institutions — credit unions and smaller community banks may not connect directly, requiring manual reconciliation.
The reserve compliance gap
PayHOA offers reserve tracking through its accounting module, but it is partial. There is no dedicated reserve study module, no percent-funded dashboard, and no fund separation enforcement at the transaction level. You can see your reserve account balance; you cannot track whether that balance is on pace to meet your reserve study’s 30-year funding projections. This is a platform design choice, not a feature gap that a higher tier resolves.
For communities in states that mandate reserve studies or funding levels, or in any state that requires reserve fund disclosures in annual financial reports, the reserve compliance function requires a separate tool or a different platform.
| PayHOA | BoardStack | |
|---|---|---|
| Monthly cost | $49/mo (≤25 units) | $20–$99/mo |
| Setup fee | Varies | $0 |
| Contract | Varies | Month-to-month |
| Community Size | Approximate Price | Per-Unit Cost | Key Features |
|---|---|---|---|
| Up to 25 units | $49/mo (annual) | ~$1.96/unit/mo | All features, no gating |
| 50 units | ~$75/mo | ~$1.50/unit/mo | All features, no gating |
| 100 units | ~$109/mo | ~$1.09/unit/mo | All features, no gating |
| BoardStack (comparison) | $20-$99/mo flat | Varies by tier | Fund accounting, reserve compliance, flat pricing |
Source: PayHOA pricing page
Source: Crunchbase / G2 / Capterra
Q&A
How much does PayHOA cost per month for a small HOA?
PayHOA starts at $49/mo for communities up to 25 units on annual billing, with all features included. At 100 units, the effective cost is approximately $1.09/unit/mo. 30-day free trial, no credit card required. Payment processing fees for online dues collection are additional and not published on the pricing page.
Q&A
Does PayHOA include all features at every pricing level?
Yes. PayHOA includes all features at every tier -- no feature gating. A community on the $49/mo plan gets the same capabilities as a larger community paying more. The only variable is the unit count that determines your subscription rate.
Q&A
Does PayHOA have a dedicated reserve study module?
No. PayHOA tracks reserves through its accounting module with custom chart of accounts and bank syncing. It does not have a dedicated reserve study module, a percent-funded dashboard, or fund separation enforcement at the transaction level. The accounting tools show your reserve balance but do not tell you whether that balance meets your reserve study targets.
Frequently asked