Comparison Updated October 2026

HOAOS vs PayHOA

PayHOA suits boards that want texts and calls, a bank-integrated lockbox, 1099 e-filing and a 30-day trial. HOAOS suits boards that want meetings, hearings and reserve planning built in, at a lower price for every community size.

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Yearly cost for a 150-unit association on published list prices, paid yearly: HOAOS Medium $950, PayHOA $1,548, and PayHOA with its default AI add-on $2,322.

At a glance

How do HOAOS and PayHOA compare?

PayHOA details are taken from its public pricing, feature and help pages. Where PayHOA doesn't publish something, we say so.

HOAOS compared with PayHOA, PayHOA details checked on October 29, 2026
Feature	HOAOS	PayHOA
Pricing model	Three plans by community size; every feature on every plan	One plan by unit tier; every feature included, plus an AI add-on that’s on by default
Price	Small $50/mo (up to 50 units), Medium $95/mo (up to 200), Large $195/mo (up to 500); yearly costs 10 months	$49–$249/mo paid yearly across eight tiers up to 500 units ($54–$275 monthly); $0.55/unit above 500
Free trial	Not offered; no long-term contract	30 days, no card
Owner payments	ACH and card through Stripe, straight to the association’s own Stripe account	ACH and card; funds land in a Stripe-powered “Treasury” account, then move to the association’s bank
Payment fees	Bank $2.45 (or 0.8% up to $5); card service fee; the board chooses who pays	ACH $2.45; card 3.5% + $0.50; charged to the association unless passed on
Bank reconciliation	Yes — OFX/QFX/CSV import or a live Plaid feed	Yes — Plaid bank sync or CSV upload
Reserves	Reserve funds, components and a 30-year projection	Reserve balances and transfers; no reserve-study module published
Violations	Notices, cure dates, hearings and fines on the unit ledger	Notices and recurring fines; hearings not published
Meetings	Agendas, attendance, quorum and minutes	Calendar and minutes as documents; no meetings module published
Elections	Secret elections online, by proxy or on paper	Ballots with quorum, proxies, weighting and ranked choice
Mailed letters	$1.75 first class, $9.50 certified	$1.25 first class, $1.05 standard; certified price not published
Texts and calls	Email announcements	Unlimited email, text and voice calls

HOAOS

Where HOAOS is stronger

Lower software price at every size: $500, $950 or $1,950 a year paid yearly, against $708, $1,548 or $2,748 for PayHOA at 50, 150 and 400 units.
Meetings with agendas, attendance, quorum and minutes, and violation hearings, as part of the product.
Reserve funds with components and a 30-year projection.
Payments are direct charges on the association’s own Stripe account; HOAOS never holds the funds.
Master policy and owners’ HO-6 certificate tracking with expiry reminders.

PayHOA

Where PayHOA is stronger

Unlimited text messages and voice calls as well as email.
A 30-day free trial with no card.
Lockbox check processing with its partner bank, and 1099 e-filing at $15 per form.
Cheaper first-class mail ($1.25 against $1.75), plus a standard-mail option.
Ranked-choice and weighted voting, an AI assistant, and an optional bookkeeping service.

Who should choose which

Choose HOAOS if

You want the board’s whole job in one place for less.

You run meetings, hearings and reserve planning yourselves, and want them alongside dues and the books at a lower yearly price.

Choose PayHOA if

You want more ways to reach owners.

Texts and calls matter to your community, you want lockbox check processing or 1099 e-filing, or you’d like a 30-day trial first.

Cost example

What does each cost per year?

Published list prices only, per year, before taxes.

Yearly cost of HOAOS and PayHOA at three sizes
Size	HOAOS	PayHOA	PayHOA + Gable AI
50 units	$500/yrSmall, paid yearly	$708/yr26–50 units, paid yearly	$1,062/yrafter the 3 free months
150 units	$950/yrMedium, paid yearly	$1,548/yr101–150 units, paid yearly	$2,322/yrafter the 3 free months
400 units	$1,950/yrLarge, paid yearly	$2,748/yr301–400 units, paid yearly	$4,122/yrafter the 3 free months

Software only, before taxes. Paid monthly, HOAOS costs $600, $1,140 or $2,340 a year and PayHOA $780, $1,704 or $3,024. PayHOA’s Gable AI add-on is on by default and can be turned off. Payment and mail fees are separate.

FAQ

Common questions

Can we move from PayHOA to HOAOS?+

Yes. HOAOS imports units and residents from a CSV file, so you can export your owner list from PayHOA and bring it in, then set up assessment schedules and opening balances.

Does HOAOS send text messages like PayHOA?+

No. HOAOS sends announcements and mass messages by email, and can mail letters first class or certified. It doesn’t send texts or voice calls today.

Where do owner payments go in HOAOS?+

Straight to the association. HOAOS online payments are direct charges on the association’s own Stripe account, and Stripe pays them out to the association’s bank account.

Does HOAOS have a free trial?+

HOAOS doesn’t offer a trial, but it has no long-term contract and you can cancel anytime.

Sources

Competitor details checked on October 29, 2026 from their public websites; pricing and features change — check PayHOA for current details.

payhoa.com/pricing — tiers, prices, AI add-on, trial, payment and mail fees
payhoa.com/features — payments, fees and settlement
payhoa.com/features — voting
payhoa.com/features — email, text and calls

PayHOA is a trademark of its owner. All trademarks belong to their respective owners; DomoDomu is not affiliated with or endorsed by PayHOA. This page compares published information and isn't an assessment of either company.

Run your association on HOAOS.

Every feature is on every plan, from $50 a month for up to 50 units, with no long-term contract.

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