Buying an attached home in Williamson County means taking on monthly association dues, and those costs vary widely from one community to the next.
Key Takeaway
In Brentwood, compare what an HOA fee covers before you compare the fee itself. St. Martin Square charges $250 a month more than Brentwood Trace, but its dues fold in gas, water, and exterior insurance that you would otherwise pay separately. If the lowest fixed monthly payment matters most, start with Brentwood Trace; if you'd rather bundle utilities and exterior insurance into one bill, compare St. Martin Square.
Who This Guide Is For
You're weighing a Brentwood townhouse or condo and need to know what the HOA dues cost and cover before you make an offer.
How Much Are HOA Fees in Brentwood, TN?
Among four complexes with current RealTracs listings, dues run from $200 to $450 a month. The gap mostly reflects what the fee covers. The $250 monthly difference between Brentwood Trace and St. Martin Square buys gas, water, exterior insurance and gate upkeep that the cheaper fee leaves on your own bills.
That gap adds up to $3,000 a year, which shifts your carrying costs on an attached home in a real way. The townhouse median is $382,455. At that price, St. Martin Square's dues work out to about 1.4% of the purchase price per year, against about 0.6% at Brentwood Trace. Attached homes sell for roughly a quarter of the $1,424,432 single-family median, so dues take up a larger share of a townhouse budget than they would on a detached home.
How to Narrow Your Brentwood HOA Shortlist
Work through four questions in order:
- Do you want one bundled monthly payment, or lower dues with your own utility and insurance bills? Bundled points to the complexes with higher HOA fees; lower dues point to the complexes with lower fees.
- Are you financing with an FHA loan? Read the FHA note in each profile and the FHA question in the FAQs before you shortlist.
- How much time do you have? Attached homes have been sitting far longer than detached ones, so use the townhouse market figures to set your timeline and offer expectations.
- Is a low fee the result of an efficient association or an underfunded one? Before you treat the cheapest dues as the best deal, work through the three steps for judging how much is too much.
These HOA checks are one part of the wider buying process in Brentwood, from offer through closing.
Brentwood Complexes with Lower HOA Fees
Lower dues leave more costs on your own bills. The association pays for basic shared upkeep, and you handle utilities and exterior insurance yourself. Your fixed monthly payment stays lower, but your total housing cost moves with your own utility use rather than staying flat.
Brentwood Trace
Brentwood Trace charges about $200 a month, per a current listing dated October 2, 2026 (RealTracs MLS 3298156). The dues cover structure maintenance, recreation facilities and trash. FHA status is not confirmed, so check HUD's FHA condo approval search before relying on FHA financing.
The listing doesn't name grounds maintenance, insurance or any utilities among the covered items. Ask the HOA whether lawn care and exterior insurance are included, or whether those land on your own policy and budget.
Brentwood Pointe
Brentwood Pointe charges about $295 a month, per a current listing dated June 7, 2026 (RealTracs MLS 3146632). The fee covers structure maintenance, grounds maintenance and recreation facilities, which makes lawn care the main step up from Brentwood Trace. FHA status is not confirmed, so check HUD's approved list.
Trash, insurance and utilities aren't covered. The listing dates from June 2026, so ask the HOA or listing agent for current monthly dues and whether any increase has been approved since then.
Brentwood Complexes with Higher HOA Fees
Higher dues replace bills you'd otherwise pay yourself. The association takes on more of the property's carrying costs and spreads them across all owners, which makes your monthly expenses more predictable.
St. Martin Square (At Seven Springs)
St. Martin Square charges about $450 a month, per a current listing dated August 1, 2026 (RealTracs MLS 3282632). It has the broadest coverage of the four complexes: gas, trash, water, exterior maintenance and insurance, and grounds and gate maintenance. FHA status is not confirmed, so check HUD's list.
The catch is that you pay for shared utilities however little you use, and gate upkeep adds to the budget. Recreation facilities aren't listed among the covered items. Ask what amenities the dues include and how utility cost increases are passed through to owners.
Mooreland Estates
Mooreland Estates charges about $370 a month, per a current listing dated June 28, 2026 (RealTracs MLS 3246239). Its fee adds insurance to the same structure, grounds and recreation coverage as Brentwood Pointe. That makes it the option that bundles insurance and outdoor upkeep without pulling in utilities. FHA status is not confirmed, so check HUD's list.
The catch is that the listing doesn't say what the insurance covers. Request the master insurance policy summary to see where the association's coverage ends and where your own HO-6 policy needs to begin. Utilities and trash aren't listed. As with Brentwood Pointe, confirm current dues.
Brentwood Townhouse Market at a Glance
- Townhouse median sale price: $382,455 (90 days ending 2026-09-30, based on 10 sales)
- Townhouse median sale price change year over year: -9.8% (90 days ending 2026-09-30, based on 10 sales)
- Townhouse median days on market: 112 (90 days ending 2026-09-30, based on 10 sales)
- Townhouse sale-to-list ratio: 99.5% (90 days ending 2026-09-30, based on 10 sales)
- Townhouses sold above list price: 10%, or 1 of 10 sales (90 days ending 2026-09-30)
- Townhouse median price per square foot: $221 (90 days ending 2026-09-30, based on 10 sales)
- Townhouse inventory: 20 homes, 6.0 months of supply (90 days ending 2026-09-30)
- Single-family median sale price: $1,424,432, down 3.3% year over year (90 days ending 2026-09-30, 194 sales)
- Single-family median days on market: 61; sale-to-list ratio: 96.9% (90 days ending 2026-09-30, 194 sales)
- Single-family median price per square foot: $358; months of supply: 4.8 (90 days ending 2026-09-30, 194 sales)
- All homes median sale price: $1,349,357, down 3.6% year over year (90 days ending 2026-09-30, 208 sales)
Townhouses took a median 112 days to sell yet closed at 99.5% of list, based on only 10 sales. Sellers have tended to wait rather than cut their prices, so expect time to be on your side more than a large discount. The 9.8% year-over-year drop in the townhouse median gives you some room to ask for concessions, such as covering the capital contribution. One quarter of 10 sales can swing on a single closing.
Subdivision prices and neighborhoods for detached homes run far higher, and the dues charged by those subdivisions' own HOAs aren't tracked in this data. Buyers comparing these property types can check current Brentwood housing market trends.
How Much Is Too Much for an HOA Fee in Brentwood?
Judge a fee in three steps rather than by its size alone.
Compare the Fee to What It Replaces
Before comparing complexes, subtract the bills the dues absorb, such as utilities, exterior insurance, lawn care and trash. Ask the seller for 12 months of gas, water and trash bills so the bundled-versus-unbundled comparison uses real numbers. Not every seller will share them, and without those documents any estimate is a guess.
Read the Budget and Reserve Study
Ask for the association's current budget, reserve balance, any reserve study and recent meeting minutes. Under Tennessee law, a seller of a home in a homeowners association must disclose that the property is in the HOA and, on your request, provide the restrictive covenants and bylaws. For condos, the seller, or the association on request, must provide specific disclosure documents.
A low fee with a thin reserve is a warning sign, not a bargain. Smaller associations may never have commissioned a formal reserve study. If none exists, ask how roofs, paving and other large repairs will be funded.
Count the Fee in Your Mortgage Budget
Lenders include HOA dues in your debt-to-income ratio, so a higher fee reduces the loan amount you qualify for. Ask your lender to run the numbers using the specific complex's dues.
Dues rarely stay flat. Ask the HOA for its dues history over the past several years, because an increase after you buy changes the payment you originally qualified on.
Other HOA Costs at Closing
Associations often levy one-time charges when a home changes hands or for unexpected community expenses. These are due at closing or shortly after you move in, so build them into your cash-to-close budget.
Capital Contributions
Some associations charge buyers a one-time contribution at closing, set by the governing documents. Ask the management company for its transfer and resale certificate fees, and who pays them under your contract. Listings show monthly dues prominently but often omit one-time contributions, so get the exact amount from the listing agent or HOA before you finalize your cash-to-close.
Special Assessments
Special assessments are one-time charges the association levies for major repairs or reserve shortfalls. Ask whether any assessment is approved, pending or under discussion, and have your agent address who pays it in the contract. When choosing a buyer's agent, ask whether they routinely negotiate who pays pending assessments.
An assessment discussed in meeting minutes but not yet voted on won't show up as a current charge, so read recent minutes rather than relying only on the balance sheet. Brianna Morant at Oak Street Real Estate Group can request dues history, documents, and assessment status for a specific Brentwood listing.
Brentwood, TN HOA Fees FAQs
What Is the Highest HOA Fee in Brentwood, TN?
St. Martin Square has the highest fee of the four complexes profiled on this page. There is no public citywide registry of dues amounts, and fees in some single-family subdivisions may run higher, so ask the specific HOA for its current rate.
How Much Do HOA Fees Add to the Cost of Living in Brentwood, TN?
HOA dues come on top of your property tax and personal insurance. For tax year 2026, the combined property tax rate in Brentwood is $1.49 per $100 of assessed value, split between the City of Brentwood and Williamson County.
Is Brentwood, TN Part of Nashville?
No. Brentwood is its own city in Williamson County, incorporated in 1969, so HOA declarations and covenants are recorded with Williamson County, not Metro Nashville.
Are HOA Fees in Brentwood Paid Monthly or Yearly?
The four complexes profiled here quote their dues monthly. Billing for single-family subdivision HOAs varies, so ask the HOA for its billing schedule and late-fee policy.
How Much Is an HOA Transfer Fee in Brentwood, TN?
Tennessee sets no statutory cap on this fee. The association or its management company sets the fee for preparing the disclosure documents, so the amount varies by association.
Can You Get an FHA Loan for a Brentwood Townhouse with an HOA?
FHA status is not confirmed for any of the four profiled complexes, so check current approvals on HUD's official FHA Condominium Project Search tool. A true Planned Unit Development townhome needs no project-level approval, so confirm with your lender which rules apply to the specific address.
Can a Brentwood HOA Raise Its Fees?
Tennessee law does not limit how much an HOA can raise its regular dues; any limits come from the association's declaration and bylaws. A 2024 law requires a two-thirds vote of all members for a special assessment on a nonessential amenity.
What Happens If You Don't Pay HOA Dues in Tennessee?
Unpaid assessments can lead to a lien or foreclosure. The exception is that since July 1, 2024, an HOA cannot foreclose over an unpaid special assessment for a nonessential amenity. The Tennessee Condominium Act gives condo associations a statutory lien, while single-family HOAs draw that authority from their recorded covenants. The governing documents' collection policy sets the steps the association can take.