<prompt> Human: Assuming each house is identical and has the same interest rate. The monthly payments PITI and HOA for each is basically identical as well. How do I find out whats the best decision or the break even point in terms of years of ownership?Edit: since the value of the HOA keeps coming up, assume it is a mello roo and not an HOA. Then what?  <response>: Getting involved with an hoa will eventually cost you more money. Like when everyone has to have the exact same mailboxes that can only be bought from the hoa and installed by the hoa contractor. Also each year potentially your hoa fees will increase. Want to try and save some money by going solar? Lets hope the hoa tells you its OK to do what you want with your own house. For me I cannot live under a hoa. Maybe if its a condo but otherwise no way. Personally I would pay more for a home without the nonsense of a hoa. 