Retirement Retired Life

Here’s What Your First Full Year in the Villages Actually Costs - Month by Month

See what you can expect to spend, from insurance to taxes.

By Kristin Hitchcock , Edited by Laura Hohenstein

Updated Oct. 3, 2026

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The monthly cost of living in The Villages can look surprisingly manageable in the community's estimates. However, those figures leave out several services, lifestyle expenses, and first-year purchases. That matters if you're living on just Social Security, because a five-figure move-in month could strain an otherwise workable retirement budget.

To make the costs concrete, this example follows a couple buying an upper-$200,000s cottage home in January. It excludes the mortgage, groceries, health care, closing costs, and regular automobile expenses. Here is how that first year could unfold.

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Month 1: Closing, the bond decision, and a golf cart

The first month is usually expensive. Buyers must determine whether to carry the home's remaining CDD bond on the annual tax bill or pay it off. The District Government allows owners to pay the bond balance at any time, but maintenance and fire assessments continue.

Then comes the golf cart. A standard new golf cart costs around $13,000 to $18,500, and some couples purchase two.

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Month 2: The regular bills begin

For an upper-$200,000s cottage home, The Villages estimates ongoing ownership costs at $1,170 or more per month. That includes:

$204 amenity fee
$28 trash collection
About $85 for water and sewer
About $125 for gas and electricity
$135 for insurance
$283 for property taxes
$320 for bond, maintenance, and fire assessments

These figures assume a homestead exemption, though.

Month 3: The excluded services appear

The official estimate does not include internet, lawn care, pest control, and other contracted services. A basic streaming-friendly internet plan could add roughly $50 monthly. Local estimates put mowing, fertilization, and pest control at around $1,200 per year, or $100 monthly.

Adding these services pushes the working baseline closer to $1,320 before adjusting the insurance estimate.

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Month 4: Insurance gets a closer look

Florida insurance needs its own calculation. State data shows average annual homeowners premiums including wind coverage of $2,105 in Sumter County, $2,191 in Marion, and $2,650 in Lake.

That equals approximately $175 to $221 monthly, potentially lifting the realistic baseline to around $1,360 to $1,406. Buyers should confirm wind coverage, the hurricane deductible, roof requirements, and whether flood insurance is advisable.

Month 5: Golf-cart costs continue

The purchase price is not the cart's final cost. Owners may also pay for insurance, fuel or electricity, maintenance, tires, and eventual battery replacement.

Residents can walk The Villages' executive courses without paying a trail fee. Using a golf cart on the course requires a pass, however. Passes are charged per person, not per cart.

Month 6: Summer tests the utility estimate

Central Florida's summer heat can expose an optimistic electricity budget. The developer estimates about $120 to $130 monthly for gas and electricity in a cottage home, but air-conditioning habits, home size, insulation, and thermostat settings could change that number considerably.

Irrigation and household water use also fluctuate. Retirees should budget from their actual summer bills rather than assuming the advertised average applies year-round.

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Month 7: Home and cart maintenance enter the picture

Even a newer home needs a repair reserve. Air-conditioning service, pressure washing, landscaping, appliance repairs, and minor storm prep don't appear in the advertised total.

The golf cart also functions much like a second vehicle. Insurance, service, batteries, and tires may arrive irregularly, but they remain real ownership costs. Setting aside a fixed amount every month makes these expenses less disruptive.

Month 8: The lifestyle budget becomes clearer

The amenity fee covers recreation centers, pools, and golf, but it does not cover every version of The Villages lifestyle. Championship golf, lessons, ticketed events, club expenses, restaurant meals, and frequent evenings at town squares can add hundreds of dollars.

This is where two households with identical homes could end up with dramatically different monthly spending.

Month 9: Annual fee changes come into view

The Villages' districts prepare budgets for the fiscal year beginning October 1. Those annual budgets set maintenance assessments, while amenity charges and contracted services may be adjusted.

Not every bill necessarily increases every year, but buyers should not treat today's prices as permanent. Even a 3% annual increase would add about $490 to a $16,320 recurring budget after one year.

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Month 10: It is time to prepare for the tax bill

Property taxes depend on the home's county, municipality, assessed value, and exemptions. In one $250,000 planning comparison, estimated annual property taxes ranged from approximately $2,122 in a Sumter example to $3,362 in a Lake example.

The seller's current bill may also understate what a new owner pays because the assessed value can reset after a sale.

Month 11: Property taxes and CDD assessments come due

Florida property-tax bills usually become payable in November. The same bill may include property taxes, the CDD bond installment, maintenance assessment, and fire assessment.

The cottage-home estimate sets aside $603 monthly for taxes and assessments. Owners paying directly could face that amount all at once, while homeowners with escrow fund it monthly. Florida offers a 4% discount for November payment.

Month 12: The real first-year total emerges

Using a realistic recurring baseline of $1,360 to $1,406, annual carrying costs reach approximately $16,320 to $16,872. Add two trail passes and one new golf cart, and the first-year total becomes roughly $29,600 to $35,700. Buying two new carts could push it to approximately $42,600 to $54,200.

That still excludes the mortgage, food, health care, cars, entertainment, repairs, closing expenses, and any optional bond payoff.

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Bottom line

The first year in The Villages could cost substantially more than the community's advertised monthly estimate once golf carts, insurance, lawn care, pest control, internet, and property-specific assessments are included.

Consider living in the home for several months before buying a second golf cart or paying off the bond. Keeping that cash available until you understand your real utility, maintenance, and lifestyle spending could help free up your retirement budget and prevent an expensive decision based on estimates alone.

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