Cost of Living in Leisure Village, Camarillo: Your Real Monthly Budget

By Tricia Garcia, Senior Real Estate & Inherited Home Specialist | Real Estate Toolbox | Updated November 8, 2026

When people ask what it costs to live in Leisure Village, they usually mean “what will I pay every month after I move in?” Here is every regular cost, what’s already in the HOA dues, a sample budget, and the tax breaks that can lower the bill for buyers over 55 and 62.

Your Monthly Costs at a Glance

HOA facts are from the Leisure Village Association’s 2026-2027 assessment schedule. The property tax rate is from the Ventura County Auditor-Controller’s 2025-2026 tax rate book for Camarillo tax rate areas. The electricity figure is SCE’s own example bill. Your costs will vary.

What the HOA Dues Cover, and What You Pay Yourself

The dues change by floor plan, from $671 for the Avalon to $1,014 for the La Jolla. See the full HOA dues chart by model and who fixes what.

A Sample Monthly Budget

Here’s an example for two people in an El Dorado, the most common Leisure Village floor plan, bought for $645,000, the median Leisure Village sale price from November 2025 through October 2026, with no mortgage.

If you have a mortgage, add your monthly payment. A smaller model, like an Avalon or Balboa, has lower dues and usually a lower price, so its property tax is lower too. A La Jolla costs more on both.

Property Tax in Leisure Village

California property tax starts at 1% of your purchase price, plus local voter-approved charges. For Camarillo tax rate areas in 2025-2026, the total was about 1.1056%. Your bill may also list a few fixed charges, so check the property’s current tax bill before you buy. After that, the taxable value can go up by no more than 2% a year under Proposition 13.

Ways to lower or delay the bill

• Homeowners’ exemption. If the home is your main home, file once with the Ventura County Assessor to take $7,000 off its assessed value. That saves about $77 a year.
• Proposition 19 base-year transfer. If you’re 55 or older and sell a home anywhere in California, you may be able to bring your old, lower taxable value to your Leisure Village home. You can do this up to three times. Read our Prop 19 base-year transfer guide.
• Property Tax Postponement. Homeowners 62 or older, or blind or disabled, with enough equity and a household income at or under the limit ($55,181 for the 2025-2026 cycle) can put off paying property taxes on their main home through the California State Controller’s program. The postponed taxes become a lien that’s repaid when the home is sold. Applications open October 1 each year.

Expect a supplemental tax bill

After you buy, the county reassesses the home at your purchase price and sends one or two supplemental bills for the difference, separate from your regular bill. Set money aside for it, especially in your first year.

Homeowners Insurance

The Association’s master policy covers home exteriors and common areas. You still need your own policy for the inside of your home, your belongings and liability. Ask the Association for the master policy details so your agent can fill the gaps. Earthquake insurance is separate and optional; it’s offered through the California Earthquake Authority and many insurance companies.

How It Compares With a Home Outside an HOA

The dues can look high at first. But in a home outside an HOA, you’d pay separately for water, sewer, trash, internet and TV, a gardener, roof and exterior repairs, and a gym or club membership. In Leisure Village those come in one payment, which makes monthly costs easier to plan on a fixed income. Our guide Is an HOA worth it? walks through the trade-offs.

Common Questions

How much does it cost per month to live in Leisure Village?

For a home with no mortgage, expect to pay about $1,300 to $2,100 a month. That includes HOA dues of $671 to $1,014 for one person (plus $30 for each additional person), property tax of about 1.1% of the purchase price a year, and electricity. Gas, interior insurance and a mortgage, if you have one, are extra.

What do Leisure Village HOA dues include?

Dues include 24/7 guard-gated security, water, sewer, trash, Spectrum cable TV and internet, exterior landscaping, exterior maintenance, roof repair and replacement, the master insurance policy for exteriors and common areas, and the recreation center, golf course, pool, spa and fitness center.

Which utilities do I pay myself in Leisure Village?

You pay electricity to Southern California Edison and gas to SoCalGas. Water, sewer, trash, cable TV and internet are included in the HOA dues.

What is the property tax rate in Leisure Village, Camarillo?

About 1.1% of the purchase price a year. California’s base rate is 1%, and Camarillo tax rate areas added local charges for a total of about 1.1056% in 2025-2026. Check the property’s tax bill for any fixed charges.

Can seniors lower their property taxes in Leisure Village?

Often, yes. Owners 55 and older may be able to transfer their old taxable value under Proposition 19. Every owner who lives in the home can take the $7,000 homeowners’ exemption. Owners 62 and older who meet the income and equity rules can postpone property taxes through the State Controller’s Property Tax Postponement program.

Do I need my own homeowners insurance in Leisure Village?

Yes. The Association’s master policy covers exteriors and common areas, but you need your own policy for the interior, your belongings and liability. Earthquake insurance is separate and optional.

Want a Cost Estimate for a Specific Home?

We’re Tricia Garcia and Steve Hise with Real Estate Toolbox. We’ve helped with hundreds of homes, and we’re in Leisure Village all the time. Tell us which home you’re looking at, and we’ll help you add up the dues, taxes and bills. Call or text (805) 424-6226 or contact us.

Keep Reading

• Leisure Village HOA fees by model
• Leisure Village homes for sale
• Leisure Village market report
• Leisure Village HOA maintenance: who fixes what
• Prop 19 base-year transfer for buyers 55+
• Things to do in Camarillo