How to Deal with Your HOA

HOAs are nonprofit organizations made up of homeowners (often volunteers) that enforce community rules and collect dues to maintain common areas – like landscaping, roads, pools, or clubhouses.

HOA by the Numbers

• According to the Census nearly 77M Americans live in HOA or community-association housing.

• ~373,000 associations exist nationwide, and that number is expected to reach 377,000 by 2026.

• HOA, condo, and co-op homes now make up about one-third of all U.S. housing.

• In 2024, 21.6M households paid HOA or condo fees, and ~3M paid more than $500/month.

Bottom line: HOAs aren’t rare – they’re a major part of American community living.

Some HOAs are responsive and helpful; others get a reputation for being strict, uncommunicative, or heavy-handed.

Before You Move In

Do these 3 things ahead of your move:

1. Read the rules (CC&Rs) before you buy. If restrictions don’t fit your lifestyle, consider another neighborhood.

2. Visit an HOA meeting – see how the board operates.

3. Talk to residents – ask what they like and dislike about the HOA.

Many disputes arise simply from not knowing the rules ahead of time.

Dealing With a Dispute

Disagreements are common – many homeowners experience conflict with their HOA at some point.

Step-by-step:

• Talk first: If you get a violation notice, call a board member and request a face-to-face conversation.

• Stay calm and respectful: Board members are often your neighbors and volunteers. Aggressive language puts everyone on edge.

• Document everything: Keep copies of notices, payments, and emails. Be up-to-date on dues and within your HOA’s rules.

• Ask for help: If many neighbors share the issue, rally support – there’s strength in numbers.

When Things Don’t Improve

Know your options:

• A lawyer’s letter can sometimes prompt a resolution.

• Small claims court is an option – but often costly and time-consuming.

• Understand HOA penalties (some can turn into liens or even threaten foreclosure if unpaid).

Aim to resolve disagreements without litigation, but be prepared if necessary.

Bottom line: HOAs are designed to be in the best interest of the community for upkeep, resale, and amenities. The use of your dues should enhance your quality of life.

Living with an HOA can have its challenges – but good preparation and clear communication go a long way.

For more homebuying tips, follow NewHomeSource on Instagram and Facebook.