AffordableHOA

AffordableHOA is cloud HOA software aimed at self-managed volunteer boards: dues and collections, a resident portal, violations and ARC-style requests, vendor COI tracking, amenity booking, e-voting, documents, and light financial tools in one login. The pitch is completeness without feature gating — the vendor says every listed capability ships on every plan, and the only plan difference is how many units you can run.

Pricing is the other hook. Official tiers (as of this research pass) are $49/mo for 1–50 units, $99 for 51–150, $179 for 151–300, $239 for 301–500, then $0.50 per unit per month (minimum $250) for 501–1,000, with custom pricing above that. Stripe processing sits outside the subscription (the FAQ cites typical card and ACH processor rates). That model is easier for many boards to budget than a pure per-door meter — still model all-in cost with processing fees and late-fee policy before you vote.

On the money side, the product goes past dues-only portals: online card/ACH with autopay and late fees, owner ledgers and delinquency aging, bank reconciliation with period lock, budget forecasting, a reserve fund planner (straight-line component funding %), QuickBooks-compatible CSV export, and a 1099 vendor summary. That is useful “treasurer desk” depth for many volunteer associations. It is still not a CAM-grade fund-accounting / multi-entity GL claim — have your treasurer or CPA walk operating vs. reserve separation, bank rec, and year-end export in the trial.

The differentiator boards talk about in public forums is Know It All, a portal AI that answers resident questions from documents, announcements, and minutes the board uploads. The vendor is clear it is informational, not legal advice, and should not drive enforcement, fair-housing, or governance decisions. Pair that with invite-only resident access, violations/fines with notice templates, vendor insurance expiry alerts, and free setup help if you want a human walkthrough.

Who it is for: a self-managed SFH, condo, or townhome community (especially in the ~50–500 unit band where published tiers land) that wants one vendor for dues, light books/reserves, compliance, and fewer “what are the pool hours?” emails. Who should keep looking: large professionally managed portfolios, boards that need a native app, or associations whose CPA requires a proven fund-accounting stack as the primary buy reason — start with self-managed boards and accounting / reserve, and compare pricing model and day-to-day fit against PayHOA, KindHOA, and RunHOA.

Sources

• Official site: affordablehoa.com
• Pricing tiers, feature inclusion, trial: homepage pricing section and FAQ
• Payments / Stripe notes: affordablehoa.com/features/payments
• All-in cost calculator (subscription + Stripe): affordablehoa.com/calculator
• Terms (tier definitions): affordablehoa.com/terms
• Anecdotal board mentions (not ratings): r/HOA EasyHOA thread, r/HOA self-management platforms

Best for

Volunteer boards that want dues, books-ish tools, reserve planning, violations, and a resident AI Q&A helper without per-door software fees or feature gating.

Pricing notes

Published unit-band monthly plans with every feature included at every tier — $49 (1–50), $99 (51–150), $179 (151–300), $239 (301–500), and $0.50/unit/month with a $250 minimum (501–1,000). Communities over 1,000 need custom pricing. Stripe card/ACH processing is separate; the vendor states there are no platform per-transaction fees. 14-day free trial, no credit card required. Verify current amounts on their pricing page.