Sun City AZ Cost of Living and Fees
What you will really pay to live here in 2026
Is Sun City Affordable?
Sun City is one of the most affordable 55+ communities in the Phoenix area. Homes are older, there is no traditional HOA for most single family homes, and property taxes are low. Here is a plain English breakdown of the costs our buyers ask about most.
Recreation Centers of Sun City Fees (2026)
| Fee | Amount | When |
|---|---|---|
| Annual property assessment | $680 per property | Every year |
| Preservation and Improvement Fee | $4,000 | One time at closing |
| Capital Improvement Fee | $1,500 | 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 and they can change, so we always confirm the current numbers before you write an offer.
Other Costs to Plan For
- Property taxes are low compared to most of the country
- Summer electric bills run higher because of air conditioning
- Some condos, patio homes, and duplexes have their own association dues
- Optional Sun City Home Owners Association (SCHOA) membership is about $25 a year
What About Sun City West?
Sun City West has its own recreation centers with their own annual dues and a one time fee at closing. Homes there are newer and usually priced higher. See our Sun City vs Sun City West comparison.
No HOA, golf cart life, and 130+ clubs in Sun City AZ
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 on our buyer guide or the rec centers guide.
Talk With Tim and Amy
Questions about Sun City or Sun City West? Call or text us anytime. We are always happy to help, even if you are just starting to look.
Call 623-292-3141See ListingsFrequently 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 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 to most of the country, which is one reason it is popular with retirees.
What Our Clients Say About Buying A Home With The Nixon's
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