🏡 Frequently Asked Questions About HOAs

What is a Homeowners Association (HOA)?

An HOA is a governing body formed by the community’s developer to uphold deed restrictions and maintain common areas such as parks, entrances, and pools. Once development is complete, a Board of Directors—elected by homeowners—takes over management. Homeowners pay regular dues to fund these shared responsibilities.

What Do HOA Fees Cover?

HOA fees help pay for:

  • Landscaping and grounds maintenance

  • Insurance and legal fees

  • Management services

  • Community amenities (like pools or playgrounds)

  • Events and communication

Fees vary based on the size, location, and features of the community.

What Kind of Rules Can an HOA Enforce?

HOAs typically regulate exterior home appearance and neighborhood standards to protect property values. Common rules address:

  • Paint colors

  • Yard maintenance

  • Trash container storage

  • Parking restrictions

  • Boat/RV storage

  • Home modifications

Always review HOA documents before buying a home to ensure the rules align with your lifestyle.

What Is the Purpose of an HOA?

The HOA exists to:

  • Preserve property values

  • Maintain shared spaces

  • Enforce community standards

  • Promote neighborly living

  • Organize community events

It acts as both a manager and a mediator for the neighborhood.

Can an HOA Remove You From Your Home?

No, an HOA cannot evict you. However, if dues remain unpaid or rules are seriously violated, the HOA may place a lien on your home. If unresolved, this can eventually lead to foreclosure, depending on local laws and the HOA's governing documents.

How Do HOA Boards Enforce the Rules?

Enforcement usually begins with:

  1. A written notice of violation

  2. Possible fines or fees

  3. Escalation if unresolved

If violations persist, legal action may follow. Homeowners are encouraged to communicate early and request extensions or variances when needed.

What Happens If You Don't Pay or Break the Rules?

You’ll receive a written notice first. If the issue is not resolved:

  • Late fees may apply

  • A lien may be placed on the property

  • In rare cases, legal action or foreclosure may occur

How Much Are Typical HOA Fees?

Fees vary widely:

  • Some are as low as $100/year

  • Others, especially in condos or large communities, may exceed $300/month

Condo and townhome HOAs tend to be higher due to shared building maintenance and insurance costs.

Will HOA Fees Affect My Mortgage Loan?

Yes. Lenders include HOA fees when determining how much you can borrow. That means higher dues could impact your loan approval amount.

Do I Have to Pay HOA Fees Even If I Don’t Use the Amenities?

Yes. All homeowners are required to pay dues, regardless of personal use. Your fees contribute to the upkeep and management of the overall community, which protects everyone's property value.