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No HOA Homes for Sale in Santa Clara, Utah
Santa Clara sits just west of St. George in Washington County, and it's one of the Southern Utah towns where you can still find established neighborhoods without a homeowners association attached. A lot of the older properties along Santa Clara Drive, around the historic Jacob Hamblin Home, and in the pockets near Gates Lane and Rachel Drive predate the HOA-everything era of the 2000s. That matters if you want to park an RV or boat on the side of your lot (a real consideration here, with Sand Hollow and Gunlock reservoirs both a short drive away), run a small workshop, keep chickens, or paint your front door whatever color you want without submitting an architectural review form.
No-HOA living in Santa Clara does come with tradeoffs worth understanding. Without association dues you keep $30–$100+ per month in your pocket, but you're also responsible for your own landscaping standards, and neighboring properties can look different from yours. City ordinances still apply — Santa Clara has its own rules on setbacks, short-term rentals, and outdoor storage — so "no HOA" isn't "no rules," just fewer of them. Inventory without an association tends to be older single-family homes on larger lots rather than newer builds in master-planned communities like those creeping in from Ivins and Washington Fields. Browse the active listings below to see which Santa Clara homes are currently on the market without HOA dues.
May 2026 · Santa Clara market
Live from the Utah MLS — what's actually happening in Santa Clara right now.
Median sale
$600,000
5 closed in May 2026
Median DOM
20 days
listing → contract
Sale-to-list
99.6%
of final list price
Unsold inventory
65
active + pending
23 matching · page 1 of 1
Active listings
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Common questions
About no hoa homes in Santa Clara.
Are no-HOA homes common in Santa Clara? ▾
They're available but not the majority. Most of Santa Clara's newer subdivisions built since the early 2000s — places like The Heights and parts of the Land Hills area — carry HOAs. The no-HOA inventory skews toward older homes in the original town grid and on larger lots closer to the Santa Clara River.
Can I park an RV or boat at a no-HOA home in Santa Clara? ▾
Usually yes, but you still need to follow Santa Clara City code on where vehicles can be stored relative to setbacks and front yards. The city is generally more permissive than HOA-governed neighborhoods, which is a big reason buyers with toys for Sand Hollow, Quail Creek, and Zion seek these properties out.
How much do I save by skipping HOA dues here? ▾
Santa Clara HOA dues typically run $30 to $120 per month depending on the community and whether amenities like pools or private parks are included. Over a 30-year mortgage that's real money, though you'll want to budget for your own exterior maintenance and landscaping that an HOA might otherwise coordinate.
Can I run a short-term rental at a no-HOA Santa Clara home? ▾
Not automatically. Santa Clara City regulates nightly rentals separately from any HOA, and most residential zones don't permit them. If short-term rental income is your goal, verify the specific property's zoning with the city before writing an offer — no HOA doesn't override municipal rules.
Are no-HOA properties harder to finance or insure? ▾
No. Conventional, FHA, and VA loans all work the same way whether or not there's an HOA. In fact, underwriting is often simpler without an association because lenders don't need to review HOA financials or master insurance policies.
What style of home should I expect in Santa Clara's no-HOA listings? ▾
Mostly single-level stucco homes from the 1980s through early 2000s on quarter-acre-plus lots, some with mature pecan or fruit trees that are a holdover from the area's farming history. You'll also see occasional custom builds and a handful of older red-rock-adjacent properties with views toward the Shivwits cliffs.