People often ask what it really costs to live in Sun City Grand. The honest answer has two parts. Some costs are set by the community and we can give you exact figures. Others, like insurance, utilities and golf, depend on your home and how you live, so we show you how to find them instead of guessing. Everything below is dated, because fees and prices change.
The numbers we can verify
Sources, the community's buyer page checked October 18, 2026 for fees, and our own count of Realtor.com listings on October 21, 2026 for prices. Fees change every July and listings change daily.
A sample monthly budget
Here is one worked example, not a promise. Take a home at $435,000, which sits near the middle of the market, with 20 percent down. That is a $348,000 loan. At 7.40 percent, the national 30 year average Freddie Mac reported on October 15, 2026, the principal and interest payment is about $2,409 a month. Add the assessment of about $165 a month and you reach about $2,574 before property tax, insurance and utilities. Your rate will differ, so see current mortgage rates in Sun City Grand AZ and try the calculator.
| Item | Amount | Notes |
|---|---|---|
| Principal and interest | About $2,409 a month | $435,000 home, 20 percent down, 7.40 percent, 30 years |
| Annual assessment | About $165 a month | $1,976 a year, July 2026 to June 2027 |
| Property tax | Look up the home | Part of the City of Surprise and the Dysart School District |
| Homeowners insurance | Get quotes | Depends on the home and the coverage |
| Utilities | Ask the seller | Ask for 12 months of bills |
| Golf, clubs and a golf cart | Ask the clubs | Arranged separately from the assessment |
Build a sample monthly budget
Move the sliders to see how a loan payment and the community's own fees add up each month. The rate starts at the October 15, 2026 Freddie Mac average of 7.40 percent.
- Loan principal and interest $2,409
- Community fees $165
A planning sketch, not a quote. It leaves out property tax, homeowners insurance, utilities, golf and club fees, and it assumes a 30 year loan. The assessment is the $1,976 The Grand listed for July 1, 2026 to June 30, 2027.
What the assessment pays for
The assessment supports the shared amenities, which include four golf courses, two fitness centers with pools, 22 pickleball courts, tennis and bocce courts, a softball field, fishing lakes, walking trails, clubhouses and craft rooms. It includes two Activity Cards per home, one for each qualified person who lives there, up to two. If a third person needs a card, an extra Activity Card costs half the annual assessment, $988, and is good for one year. The assessment is paid a year in advance, and the base amount cannot rise more than 15 percent over the prior year without a vote of the owners, except in an emergency.
One time costs when you buy
Buyers pay a set of one time fees at closing, and the largest is the CARE fee. Our guide to the HOA fees for Sun City Grand explains each one.
| Fee | Amount | What it is |
|---|---|---|
| CARE fee | $5,000 | One time fee for each new purchaser, used for community improvements |
| Resale disclosure statement | $130 | The paperwork the community prepares for a resale |
| Resale transfer fee | $100 | A transfer fee for the new owner |
| Architectural review fee | $170 | Does not apply to La Solana condos |
| Total | $5,400 | As listed by The Grand on October 18, 2026 |
Owners who bought a Grand home before January 1, 2008 and still own it may qualify for a one time waiver of the CARE fee on another Grand home. Courtyard and Garden Villa homes also pay a yearly maintained property fee, $777 for Courtyard and $721 for Garden Villa, which covers front yard landscaping and monthly insect service.
What homes cost
On October 21, 2026 there were 183 active homes in Sun City Grand on Realtor.com. Sixty six percent were listed under $500,000, and the middle half were priced from $383,000 to $548,000. Price follows size, as this table from our count shows. Read the full Sun City Grand housing market numbers for ZIP code figures.
| Home size | Active homes | Median list price | Median price per sq ft |
|---|---|---|---|
| Under 1,300 sq ft | 23 | $345,000 | $278 |
| 1,300 to 1,799 sq ft | 58 | $389,450 | $252 |
| 1,800 to 2,299 sq ft | 72 | $504,950 | $252 |
| 2,300 to 2,799 sq ft | 23 | $649,900 | $267 |
| 2,800 sq ft and up | 4 | $937,222 | $308 |
Want your own budget worked out?
Deah can walk you through the fees and the resale packet for a specific home before you make an offer. A consultation is free, with no obligation.
The costs that depend on you
Property tax
Sun City Grand is part of the City of Surprise and the Dysart School District, so the property tax bill includes each of those elements. We do not quote a rate here, because the bill depends on the home. The county publishes the tax record for every property, so look up the actual bill for any home you are considering.
Homeowners insurance
Premiums depend on the age of the home, the roof, the coverage and the company. Ask for quotes on the specific home before you make an offer, and ask the seller what they pay now.
Utilities
Electric, water and trash bills depend on the size of the home and how you live. The most reliable number is the seller's own bills for the last 12 months, which you can ask for during your due diligence.
Golf and clubs
The assessment does not cover golf play or club memberships. The community has four golf courses and eight golf clubs, and each one sets its own fees, so ask them directly. Dozens of other chartered clubs, such as art, bridge and hiking, are part of community life.
A golf cart
Sun City Grand is a golf cart community. Carts must be street legal, with lights and turn signals, insured and tagged. Budget for the cart, the insurance and the tags if you want one.
Dining and everyday costs
There are three places to eat inside the community, The Grand Cafe, Angela's Kitchen and Maple and Rye. We do not list menu prices, because they change, and groceries and other daily costs depend on where you shop.
How to work out your own number
Start with the home
Pick a price and a size. A smaller home costs less to buy, and the table above shows how prices step up with size.
Price the loan
Get a written Loan Estimate from two or three lenders on the same day, then add the assessment of about $165 a month.
Ask for the resale packet
It shows the current fees and rules for that home, so there are no surprises at closing.
Get the real bills
Ask for the property tax record, an insurance quote and 12 months of utility bills for the home.
Add the lifestyle costs
Ask the golf clubs about fees, decide whether you want a golf cart, and count any extra Activity Card you need.
If you want to see how it all adds up for a particular home, ask a Sun City Grand Realtor who lives in the community to walk you through it. For the other side of the decision, read the pros and cons of living in Sun City Grand.
Frequently asked questions
Common questions
How much is the HOA in Sun City Grand?
The Grand lists an annual assessment of $1,976 for July 1, 2026 to June 30, 2027, about $165 a month. It changes every July.
What is the CARE fee?
It is a one time $5,000 fee paid by each new purchaser, used for community improvements. Owners who bought before January 1, 2008 and still own that home may qualify for a one time waiver on another Grand home.
Does the assessment include golf?
No. The assessment supports the amenities and includes two Activity Cards per home. Golf play and club memberships are arranged separately with the golf clubs.
How much does a home cost in Sun City Grand?
On October 21, 2026 the middle half of active homes were priced from $383,000 to $548,000, and the median list price was $441,900 in ZIP 85374. Prices change daily.
How much does an extra Activity Card cost?
An extra card costs half the annual assessment, $988 on the current figures, and is good for one year.
Are property taxes included in the assessment?
No. Property tax is billed separately and depends on the home. Sun City Grand is part of the City of Surprise and the Dysart School District, and the county publishes the tax record for each property.