"PayHOA Pricing & Features, Explained (2026)"

TL;DR: As of August 2026, PayHOA prices by the community's unit count, starting at $49/month (billed yearly) for up to 25 units and stepping up by band to $0.55/unit for 500+ units, with all features included on every tier. Separate per-transaction fees apply to online payments and physical mail. Okoniq Property Hub draws the lines differently — flat pricing by community size ($49–$299/month), no payment-processing fees (it tracks dues rather than collecting them), and a discounted homeowner app for residents. This guide explains both in plain English.

_Last reviewed: August 2026 · 6 min read_

PayHOA's pricing is straightforward once you know it's built around one number — how many units are in your community. Below is a plain-English breakdown of the tiers, the fees that sit on top, and the features that matter, plus honest notes on how it compares to Okoniq Property Hub. All PayHOA figures come from its public pricing page as of August 2026 — always confirm the latest on payhoa.com.

How PayHOA pricing works

PayHOA charges a monthly subscription based on your community's unit count. The rates it advertises are billed yearly; paying month-to-month costs more. As of August 2026:

• 0–25 units — $49/mo billed yearly ($54/mo monthly)
• 26–50 units — $59/mo ($65 monthly)
• 51–100 units — $99/mo ($109 monthly)
• 101–150 units — $129/mo ($142 monthly)
• 151–200 units — $169/mo ($186 monthly)
• 201–300 units — $199/mo ($219 monthly)
• 301–400 units — $229/mo ($252 monthly)
• 401–500 units — $249/mo ($275 monthly)
• 500+ units — $0.55 per unit per month ($275/mo minimum)

A key selling point: every feature is included on every tier. You're paying for scale (more units), not unlocking capabilities. There's a 30-day free trial with no credit card required, and no long-term contracts or cancellation fees.

The fees that sit on top

Because PayHOA collects money online and can mail physical notices, some costs are per-transaction rather than baked into the subscription. As of August 2026:

• ACH payments — about $2.45 per transaction
• Card payments — about 3.5% + $0.50 per transaction
• USPS mailings — roughly $1.05–$2.00 per item

These aren't hidden — they're the normal cost of processing payments and sending physical mail — but they matter for budgeting, especially if many owners pay by card. Confirm the current figures on PayHOA's site.

What PayHOA includes

For the subscription price, PayHOA advertises a broad, all-in-one toolset:

• Invoicing and online payments — automated dues invoicing, ACH and card, autopay
• Accounting — general ledger (cash and accrual), bank integrations, budgets, payables and vendors, 50+ reports, plus optional bookkeeping services
• Communication — mass text, email, and phone; message boards; and a mailroom for physical USPS mail
• Compliance — violations enforcement with custom templates and fines
• Community — a website builder, document storage, request forms, voting and surveys, owner portals, and resale documents

Who it's for: self-managed associations that want online collection and full accounting in one place — and professional management companies running multiple communities.

How Okoniq draws the lines differently

Okoniq organizes pricing around community size, not unit-by-unit, and around board simplicity rather than a payment engine. As of August 2026:

• HOA Starter — $49/mo: up to 25 homes
• HOA Standard — $99/mo: up to 75 homes
• HOA Plus — $149/mo: up to 150 homes (+$1/home/mo beyond 150)
• HOA Concierge — $299/mo: unlimited homes
• 30-day free trial; annual pays for 10 months

Okoniq's board toolset includes dues tracking (mark-paid plus a resident self-report the board confirms, and a "Payments to Review" queue), violations with photos, voting and polls, budgets and financials, expenses with AI receipt capture, a reserve study, delinquencies, lender-readiness reports, insurance tracking, a community calendar, a utilities tracker with forward-a-bill email intake, service requests, a weekly board digest, and a Form 1120-H tax helper with a CPA packet PDF. Board-invited residents get the full homeowner app at 40% off plus a resident portal.

Three differences stand out:

1. Payments. PayHOA collects dues online (with per-transaction fees); Okoniq tracks dues and residents pay the association through their own Zelle, Venmo, ACH, or check — so there are no processing fees, but Okoniq doesn't move money.
2. Pricing shape. PayHOA steps up by unit-count band (and per unit at scale); Okoniq is flat by home count and caps at $299/month for unlimited homes.
3. Who benefits. Okoniq extends a discounted homeowner app to residents; PayHOA centers the board and management.

See the full comparison in PayHOA vs Okoniq, or if you're weighing whether to pay at all, read Is PayHOA worth it?.

Reading the value: match the plan to the community

A quick way to decide:

• Need owners paying dues online with autopay? PayHOA is purpose-built for that.
• Want a full accounting ledger and bank feeds in-app? PayHOA.
• Already collect dues fine and want approachable board tools? Compare Okoniq's HOA plans.
• Want flat pricing and no per-transaction fees? Okoniq.
• Want your residents to get their own discounted app? Okoniq.

You can also walk through Okoniq's HOA board demo with no signup before deciding. For more, see best PayHOA alternatives (2026) and switching from PayHOA to Okoniq.

FAQ

How much is PayHOA per month?

As of August 2026, PayHOA starts at $49/month (billed yearly) or $54/month monthly for up to 25 units, and steps up by unit-count band to $0.55 per unit per month for 500+ units ($275 minimum). Payment processing and mailings carry separate fees. Confirm current pricing on PayHOA's site.

Does PayHOA charge extra beyond the subscription?

Yes. Online payments carry per-transaction fees (roughly $2.45 ACH and 3.5% + $0.50 card), and physical USPS mailings cost about $1.05–$2.00 per item, as of August 2026. The monthly plan covers the software; these fees cover moving money and mailing paper.

Are all PayHOA features included on the cheapest plan?

Yes — PayHOA advertises all features on every tier, so the price scales with unit count rather than by unlocking capabilities. That's a genuine simplicity advantage. Verify on PayHOA's site, as plans can change.

How does PayHOA pricing compare to Okoniq?

Both start at $49/month for a small community. PayHOA prices by unit count with separate payment-processing fees; Okoniq prices flat by home count ($49–$299/month) with no processing fees because it tracks dues rather than collecting them. The better value depends on whether you need online collection and how large your community is.

Does PayHOA offer annual billing?

Yes. PayHOA's advertised rates are billed yearly, and paying month-to-month costs more per month. Okoniq's annual billing pays for 10 months (two months free). Confirm the current terms on each provider's site.

This breakdown uses publicly available information about PayHOA as of August 2026 and is not affiliated with or endorsed by PayHOA. Any tax references are general and not tax advice — consult a CPA. Pricing and features change — verify the latest details on the provider's website.