Is Country Club Living Worth It? 10 Real Costs to Know Before You Buy in South Florida

Living the Dream? Let’s Talk About the Fine Print

There’s no denying the country club lifestyle in South Florida has a lot going for it—gorgeous golf courses, great amenities, good people, and that hard-to-beat sense of community. Whether you’re into sunrise tee times, dockside dinners, or just want your home to feel like a resort, club living offers all that and more.

But here’s the thing: it’s not just a lifestyle—it’s an investment. And like any good investment, you want to understand what you’re really getting into.

Let’s walk through 10 key things to think about if you’re considering a move to a country club community. Some of these might surprise you—especially if you’re new to this world.

1. Membership Types: Equity vs. Non-Equity—Why It Matters

Every club runs a little differently. Some are equity clubs, where you essentially “buy in” and have partial ownership. That often comes with perks like voting rights or the chance to get part of your money back if you leave. Others are non-equity—you’re paying to play, no strings attached.

Initiation fees can range from $50K to $250K+, depending on the club. Before signing anything, ask: Is the fee refundable? What happens if I sell my home? Are there resale restrictions?

2. Annual Dues & Assessments: Don’t Be Caught Off Guard

Once you’re in, expect annual dues—usually $10K–$25K per year. These cover operations, staff, and keeping things in top shape. But also know that clubs can hit you with special assessments—like a surprise $50K to help fund a clubhouse renovation.

It’s not common, but it happens. So make sure your budget can flex when needed.

3. HOA Fees: The Other Monthly Cost of Club Living

Most club communities are run by Homeowners Associations (HOAs). Fees here can be anywhere from $500 to $1,000+ a month, covering everything from landscaping to security. Some also charge capital contributions at closing—a few grand more just to move in.

It adds up fast. Factor it in from the start.

4. Real Estate & Resale: Will Your Investment Pay Off?

Country club homes can hold serious value—but only if you’re in the right club. Some places require new buyers to join the club, which can narrow your pool of future buyers. Others let you sell without that requirement.

If you’re thinking long-term (and you should be), look at resale trends in the neighborhood and how club rules impact future buyers.

5. Golf Course Access: Not Always a Sure Thing

I know—golf access is a big reason people buy in. But not every club works the same. Some have restricted tee times, and if the course is packed with members or limited by outside play, your Saturday morning round might turn into a waiting game.

Ask: How many members share the course? Are there non-resident members? What’s the tee time booking policy?

6. It’s Not Just Golf—It’s the Lifestyle

The best clubs offer way more than golf. Think tennis, pickleball, marinas, spas, fitness centers, dining, even concierge services. Some of the top-tier communities, like Fisher Island or Boca West, feel more like luxury resorts than neighborhoods.

But every club has a different vibe. Make sure the perks match your lifestyle—not just your wishlist.

7. Rules, Restrictions & Fine Print

Want to park your boat in the driveway? Host a big weekend party? Renovate the backyard? Better read the rulebook first. Country clubs often have strict policies around everything from dress codes and guest access to what you can do to your property.

They’re not dealbreakers—but they are worth knowing before you sign.

8. Taxes & Lifestyle Costs in the Sunshine State

Yes, Florida has no state income tax—huge perk. But country club living still comes with costs. Expect higher property taxes, HOA fees, and mandatory food & beverage minimums at many clubs.

It’s a luxe lifestyle—but not a light one, financially.

9. Can Your Budget Handle the Long Game?

One of the biggest mistakes I see? People focus on the initiation fee and forget about the long-term financial picture.

A good rule of thumb: keep club-related expenses under 10% of your annual income. Work with an advisor who understands the lifestyle and can help you balance it all out.

10. How to Know If a Club Is Your Kind of Club

Every club has a culture—some are super family-oriented, others more relaxed or geared toward retirees. Don’t just tour the grounds. Do a trial membership. Book a guest round of golf. Try a summer membership (many offer lower prices from May through October).

See how it feels. That’s the best way to know if it fits.

So—Is Country Club Living Worth It?

If you love great golf, good company, and a lifestyle that feels like a vacation—you’ll probably love club life. But like any major investment, it pays to go in informed. Understand the costs, the perks, the fine print, and how it fits into your bigger financial picture.

That’s the difference between a dream home and a costly surprise.