Sun City cost of living and fees, in plain English.
Sun City is one of the most affordable 55+ communities in the Phoenix area. Homes are older, most single-family homes have no traditional HOA, and property taxes are low.
Recreation Centers of Sun City fees (2026)
| Fee | Amount | When |
|---|---|---|
| Annual property assessment | $680 per property | Every year |
| Capital Improvement Fee (CIF) and Preservation & Improvement Fee (PIF) | $5,500 | One time at closing |
| Transfer fee | $500 | One time at closing |
| Recording fee | $30 | One time at closing |
That is about $6,030 in one-time RCSC fees when a home changes hands, plus $680 a year after that. These are the RCSC figures effective January 1, 2026. Read RCSC explained for how each fee works.
Other costs to plan for
- Property taxes are low compared with most of the country
- Summer electric bills run higher because of air conditioning
- Some condos, patio homes and duplexes have their own association dues (see Sun City condos and patio homes)
- Optional Sun City Home Owners Association (SCHOA) membership is about $25 a year (confirm with SCHOA)
What about Sun City West?
Sun City West has its own recreation centers with their own annual dues (charged per person on the deed) and a one-time fee at closing. Homes there are newer and usually cost more. See Sun City West cost of living and our Sun City vs Sun City West comparison.
Get exact numbers for any home
Every property is a little different. Tell us which home you are looking at and we will give you the real numbers. Learn more in our buyer guide or the rec centers guide.
In our clients' words.
Real Google reviews from buyers, sellers and families we've helped.
“We relocated from Iowa to Sun City… They are the very best and I would totally recommend them when purchasing a home.”
“Tim & Amy are a great tag-team. If one isn't available, the other usually is. They spent time showing us several homes and helped us dial in to what we were looking for.”
“They helped me sell a condo in Sun City West and I live in NY. They had wonderful professionals to help me get the property ready for sale and they were there for me through the whole process!”
Reviews from Google, shortened for length.
Frequently asked questions
How much is the Sun City AZ rec center fee?
As of January 1, 2026 the RCSC annual assessment is $680 per property, and one-time fees at closing total about $6,030. Fees can change, so confirm the current amounts with RCSC before you buy.
Does Sun City AZ have an HOA?
Most single-family homes have no traditional HOA, just the RCSC assessment. Some condos and patio homes have their own association dues.
Are property taxes low in Sun City?
Yes. Property taxes in Sun City are low compared with most of the country, which is one reason it is popular with retirees.
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Want the real numbers for a home?
Send us the address and we will break down every fee before you make an offer.