Honest HOA software comparisons for small boards.
PayHOA, KindHOA, and AffordableHOA — fee math for volunteer associations under ~50 units. Same 50×$250/quarter scenario on every page.
PayHOA alternative
When PayHOA feels like too much software — and ACH at $2.45/payment adds up. DuesBoard Board + 1% ≈ $728/yr vs PayHOA ~$1,198 on our scenario.
KindHOA alternative
“Free” still takes ~1% ACH. We disclose flat SaaS + 1% platform fee. Board ~$728/yr vs KindHOA paid ~$748; KindHOA $0 can be cheaper with feature limits.
AffordableHOA alternative
Strong $49 all-in / $0 platform story. DuesBoard wins on lower SaaS for dues-first boards that want ACH autopay without an all-features pitch.
Scenario we use everywhere
50 units × $250/unit/quarter = $50,000/yr ACH volume · 200 payments/yr. Stripe ACH processing excluded (common pass-through). Public pricing verified Aug 2026.
| Stack | Est. annual cost |
|---|---|
| KindHOA Good Neighbor $0 + 1% ACH | ~$500 (feature limits on free) |
| AffordableHOA $49/mo + $0 platform | ~$588 |
| DuesBoard Board $19/mo + 1% | ~$728 |
| KindHOA Board Automation $29 + 0.8% ACH | ~$748 |
| PayHOA 26–50 (~$59/mo yr) + $2.45 ACH | ~$1,198 |
| NeibrPay (custom >20) + ~1% | Custom + ~$500 |
DuesBoard framing: cheapest among full-featured paid suites with recurring dues automation. KindHOA $0 and AffordableHOA can be lower on raw TCO — shown honestly.
Ready for the next billing cycle?
Import units, connect the HOA bank, and invite owners to autopay.
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