Buying a Home in Georgetown With No HOA: Where Should You Look?

One of the questions I get asked a lot is, "Can I find a home in Georgetown with no HOA?"

My answer is yes. You just have to know where to look, because most homes here do come with one.

Here's where I'd start you, what those homes are listing for right now, and what I'd check before you count on "no HOA."

Why do you want no HOA?

That's the first thing I'd ask you. The answer changes where we look.

Do you want to park a boat or an RV in the driveway? Are you dreaming of a shop out back? Do you just not want another monthly bill or someone reviewing your paint color?

Do you want a bigger lot? Do you love older homes with big trees and a little character?

Every one of those points to a different part of town. Honestly, they'll narrow it down faster than a price range does.

How common are no-HOA homes in Georgetown?

Not very common. I want you going in with the right expectations.

As of October 2026, there were 1,875 homes for sale with a Georgetown address. In a random sample of 100 resale single-family homes from that list, only 21 showed no HOA.

That's about one in five. New master-planned communities are a big part of what's for sale here, and they're usually built around an association.

So if no HOA is high on your list, I'd focus on resale homes and older neighborhoods. That's where most of them are.

Where are the no-HOA homes in Georgetown?

They show up in three kinds of places. Each has its own personality, and the right one depends on you.

The older streets around downtown and Old Town

This is where I'd look first if you love character. The streets around the square and Old Town are some of Georgetown's oldest.

In the sample, these showed up under old addition names like Coffee Addition, Peterson Addition, Montgomery Addition and W.G. Lord Addition. As of October 2026, those listings ran from about $310,000 to about $1.1 million.

You're close to the square, the restaurants and the San Gabriel River. I love that part of town.

There's one catch I'd want you to know about. We'll come back to it below, because it has to do with the historic district.

Older neighborhoods on the east side

If budget's the priority, I'd take a look east. Sierra Vista and Crystal Knoll Terrace both showed up in the sample with no HOA.

As of October 2026, those listings ran from about $195,000 to about $370,000. They're established neighborhoods, and the prices are some of the most approachable in town.

Bigger lots on septic

If you want room to spread out, this is where I'd send you. Oakcrest Ranchettes, North Lakewood, Sanaloma Estates and Green Acres all showed up with no HOA.

Those lots ran from about half an acre to over two acres, and most were on septic. As of October 2026, they listed from about $399,000 to about $800,000.

If you're after even more land, there's a whole guide on where to find acreage homes in Georgetown. Out in the county, no HOA is a lot more common.

Does "no HOA" mean no fees?

Not always. This is the part I'd check most carefully.

Georgetown Village is a good example. Listings there often say no HOA, and that's accurate. But the neighborhood sits in a public improvement district, or PID, that the city created to maintain most of its common areas.

A PID is a special assessment, so it shows up with your property taxes instead of as HOA dues.

The amount is set each year, so I'd confirm the current assessment with the city before you buy.

Berry Creek is another one. It's got mature trees, older established homes, larger lots and golf course living, and I love it.

But listings don't agree on whether it has an HOA. In the sample, four Berry Creek listings showed no HOA and four showed one.

Some sections carry a mandatory deed fee tied to the country club, which isn't technically an HOA but is still a bill.

My advice is to read the seller's notice closely. Texas requires sellers to tell you about special taxing and assessment districts, and to disclose membership in a property owners' association.

Does no HOA mean no rules?

No. That's the other surprise I'd want to save you from.

The historic district. Homes in Georgetown's Old Town and Downtown overlay districts fall under the city's historic design guidelines. Exterior projects can need review by the Historic Preservation Officer or the Historic and Architectural Review Commission.

If you love an older home near the square and you're planning an addition or new siding, I'd call the city's historic preservation office before you buy.

Deed restrictions. A neighborhood can have deed restrictions with no HOA collecting dues. They can still limit outbuildings, fences, livestock or where you park a boat.

City code. Inside city limits, Georgetown's code still applies. For example, the city says grass and weeds over six inches on a developed lot are a violation.

City limits or the ETJ. Some no-HOA homes sit just outside the city, in its extraterritorial jurisdiction. That changes whose taxes you pay and whose rules apply, so I'd look it up for the exact address.

What would I check before you buy?

Here's my short list for any home listed with no HOA.

• The seller's notices. Look for any PID, MUD or assessment district.
• The association. Check for any property owners' association, even a small one.
• The deed restrictions. Read them before you're under contract, not after.
• The title commitment and survey. They show easements, and easements tell you where you can't build.
• The historic overlay. If the home's near downtown, check whether it's inside the Old Town or Downtown overlay.
• Septic and water. On the bigger lots, I'd have the septic inspected and ask for the permit records.

Zillow can show you the house, but it can't tell you if it fits your everyday life.

Whether there's room for a casita, a boat or an RV is one of the questions you might not think to ask, and it's one I'll ask.

Is now a good time to buy?

If you're ready to buy, then yes, it's a great time to buy.

As of September 2026, I'm seeing more price reductions, seller concessions and even interest rate buydowns. Sellers have a lot of competition out there, so they're willing to negotiate more than in past years.

The first step is always talking with a lender and getting pre-approved. It helps you understand your budget, and it lets us shop with a price and with confidence.

Then we get to do the fun part.

What I want for you

I live here and raise my family here, and I've been doing this since 2013. Buying a home is one of the biggest purchases you'll ever make.

I'll bring the local perspective, ask the questions you might not think to ask, and give you my honest take. I answer my phone, and I stay involved the whole way through.

Tell me what you'd do with a little more freedom. I'd love to help you find a place in Georgetown that feels like home.

Verification notes

The listing figures come from active MLS listings pulled in October 2026. They're asking prices, not closed sales.

The HOA figures come from a random sample of 100 active resale single-family listings with a Georgetown address, read from each listing's association field. They're a sample, not a count of every home, and listing data on HOAs isn't always right.

Neighborhood names are the subdivision names shown on those listings. A Georgetown address can sit inside the city, in the ETJ or out in the county.

The Georgetown Village PID assessment changes yearly, so I didn't quote one. Berry Creek's fee structure varies by section, so I'd confirm it for any specific home.

I'd treat every HOA, PID, deed restriction and historic overlay question as address-specific. Confirm it with the title company, the city or the association before you act.

My market read is from September 2026, and it'll change.

Sources: Home and HOA figures computed from active MLS listings (Realty-in-US), as of October 2026. Georgetown Village profile and PID, Community Impact. Berry Creek neighborhood profile, Community Impact. Historic preservation review, City of Georgetown. Historic design guidelines and overlay districts, Georgetown UDC. Grass and weed ordinance, City of Georgetown. City limits or ETJ lookup, City of Georgetown. Notice to Purchaser of Special Taxing or Assessment District, TREC. Texas Property Code 5.012, property owners' association notice. Texas Water Code 49.452, district notice. Accessed October 2026.