PayHOA vs Xero: Which Should You Choose in 2026?
Choosing between PayHOA and Xero comes down to understanding what each tool does best. This comparison breaks down the key differences so you can make an informed decision based on your specific needs, not marketing claims.
By Toolradar Team · Last updated February 28, 2026 · Methodology
Short on time? Here's the quick answer
We've tested both tools. Here's who should pick what:
PayHOA
All-in-one software to manage your community, automate invoicing, and streamline HOA accounting.
Best for you if:
- • Automates HOA invoicing, payments, and comprehensive accounting.
- • Streamlines homeowner communication and request management.
Xero
Beautiful accounting software
Best for you if:
- • You want the higher-rated option (8.6/10 vs 0.0/10)
- • Xero is cloud accounting software for small businesses
- • It provides invoicing, bank reconciliation, and financial reporting
| At a Glance |  PayHOA |  Xero |
|---|---|---|
Price | Paid | Paid |
Best For | Accounting | Accounting |
Rating | —/100 | 86/100 |
| Feature | PayHOA | Xero |
|---|---|---|
| Pricing Model | Paid | Paid |
| Editorial Score | — | 86 |
| Community Rating | No ratings yet | No ratings yet |
| Total Reviews | 0 | 0 |
| Community Upvotes | 0 | 0 |
| Categories | AccountingInvoicing | AccountingInvoicing |
How PayHOA and Xero Compare
PayHOA
All-in-one software to manage your community, automate invoicing, and streamline HOA accounting.
Paid
Xero
Beautiful accounting software
Paid · 86/100 score
Who Should Use What?
On a budget?
Both are paid. Compare plans on their websites.
Go with: Xero
Want the highest-rated option?
Xero scores 86/100. PayHOA is unrated.
Go with: Xero
Value user reviews?
Neither has user reviews yet.
Go with: Xero
3 Questions to Help You Decide
What's your budget?
Both are paid. Pricing won't help you decide here.
What's your use case?
Both are accounting tools. Compare their specific features to decide.
How important are ratings?
Not all tools have been rated yet.
Key Takeaways
Xero
- Higher score: 86/100 vs unrated
- Our pick for this comparison
PayHOA
The Bottom Line
Xero (86/100) is our pick.
Frequently Asked Questions
Is PayHOA or Xero better?
Xero scores 86/100 in our evaluation. Both are paid.
What are PayHOA and Xero used for?
PayHOA: All-in-one software to manage your community, automate invoicing, and streamline HOA accounting.. Xero: Beautiful accounting software.
What does PayHOA cost vs Xero?
PayHOA is a paid tool. Xero is a paid tool. Visit their websites for detailed pricing.