Which Indiana Laws Govern Your HOA or Condo?

Indiana doesn't have a single omnibus community-association statute — instead, owner rights live across a small set of focused chapters. Knowing which chapter answers which question is the starting point. For your specific situation, a licensed Indiana attorney is the right resource. This is general information, not legal advice.

Does Indiana have an HOA law?

Yes. The Homeowners Associations Act, IC 32-25.5, is Indiana's main governance statute for HOAs (Ind. Code Title 32). Its records, board-meeting and fine provisions apply to all Indiana HOAs; most of the rest reaches HOAs established after June 30, 2009, that can impose mandatory dues, or older ones whose members opted in (IC 32-25.5-1-1(b)).

The Indiana Homeowners Associations Act is the main governance statute for HOAs. The key section — IC 32-25.5-3-3 — covers:

• Financial records on written request, with no requirement that the member explain why
• Annual budget preparation and budget-meeting notice (including notice of any assessment increase)
• Member meeting attendance — the right to attend any HOA board meeting
• Two-year records retention for financial transaction communications

Since July 1, 2026, a second section, IC 32-25.5-3-12, sets fine rules: a board-adopted schedule of fines that includes "a maximum aggregate fine amount for any single violation," and notice to the member before a fine is assessed. The same 2026 law requires at least four days' written notice, with an agenda, for each board meeting. Under IC 32-25.5-1-1(b), the records, board-meeting, and fine provisions apply to all Indiana HOAs; most of the rest of IC 32-25.5 reaches HOAs established after June 30, 2009, that can impose mandatory dues, or older ones whose members opted in, though some chapters carry their own applicability sections.

Does Indiana have a separate HOA lien law?

Yes. Indiana puts HOA liens and foreclosure in a separate chapter, IC 32-28-14 (Ind. Code Title 32). The Homeowners Association Lien Act establishes how a notice of lien attaches, requires judicial foreclosure through court action (no power-of-sale), and generally bars filing that action until 90 days after the notice of lien is recorded, with a five-year outer limit (IC 32-28-14-8).

Condominiums: IC 32-25 (Condominium Act)

If you live in a condominium, the Indiana Condominium Act governs instead, with parallel records, meeting, and lien provisions specific to condo ownership.

Political signs: IC 32-21-13

Indiana has a distinctive statutory protection most states do not: the Display of Political Signs Act prevents HOAs from prohibiting election-period political signs during the window "beginning thirty (30) days before and ending five (5) days after" the election. The HOA may set reasonable size, number, and location rules, but cannot prohibit display in a window or on the homeowner's ground.

Flags: IC 32-21-13.5

Since July 1, 2026, IC 32-21-13.5 (added by HEA 1150-2026, P.L.26-2026) says a property owners association, a term that includes homeowners, condominium, and cooperative associations, "may not adopt or enforce a governing document provision that prohibits or restricts, or has the effect of prohibiting or restricting," a member's display of the U.S. flag or the Indiana state flag, including from a flagpole. The association may still adopt the reasonable rules listed in IC 32-21-13.5-6, such as flagpole materials, flag size, and location, but a flagpole rule may not prevent at least one flagpole per property that is either in the front yard and "not more than twenty (20) feet in height" or attached to a residential structure the member owns that the association does not maintain.

The Indiana Nonprofit Corporation Act of 1991 (IC 23-17)

Most Indiana HOAs are incorporated nonprofits under the Indiana Nonprofit Corporation Act of 1991, which supplies director duties, member-meeting procedures, and supplemental records-inspection rights.

How the layers fit

1. The recorded CC&Rs and bylaws — Indiana sets governance, records, and fine-procedure floors, but most rule authority flows from the recorded covenants.
2. IC 32-25.5 for HOA governance, records, budget meetings, and fine procedures.
3. IC 32-28-14 for HOA assessment liens and judicial foreclosure.
4. IC 32-25 for condos.
5. IC 32-21-13 for political-sign protections, and, since July 1, 2026, IC 32-21-13.5 for U.S. and Indiana flag display.
6. IC 23-17 for the incorporated entity.
7. Federal law — Fair Housing Act, ADA, Servicemembers Civil Relief Act, OTARD, and the Freedom to Display the American Flag Act.

From records to fines to the assessment lien, this layered framework is the starting point for most Indiana homeowner questions.

Sources

• IC 32-25.5 — Indiana Homeowners Associations Act (Indiana Code 2026, Title 32)
• IC 32-28-14 — Homeowners Association Liens (Title 32)
• IC 32-21-13 — Display of Political Signs Act (Title 32)
• IC 32-21-13.5 — Flag display and property owners associations (Title 32)
• HEA 1150-2026 (P.L.26-2026) — enrolled act adding IC 32-21-13.5, effective July 1, 2026