In the Bay Area, a fixed-rate mortgage isn’t enough to keep your housing costs steady.  Homeowners association fees — which pay for everything from landscaping to garbage collection in condos, townhouses and other developments — increased a median of 30% in the Bay Area from 2019 to 2024, according to data compiled by Redfin for this news organization. That outpaces inflation in that time period, which increased about 22%.    Read the article…………………………….