Bearishgurl, I will be taking HOA and MR fees into account when I price homes. My rule of thumb is that for every $100/month in fees I need to increase the purchase price by $20k. This is just my simple way to compare homes/condos etc.
The homes we’re look at in PQ are in the older areas and do not have MR.
As for UC, I only look for homes east of Gennessee as they are older and tend to be cheaper than the newer homes on the west side. Unfortunately, the cheapest home in the area is $489k. There are some condos/twinhomes on Erlanger under $400k, but the HOA fees put those out of my reach as well.