Know Your LawIN
Which Indiana Laws Govern Your HOA or Condo?
By The HOARebel Team · June 1, 2026 · 2 min read
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.
Governance and records: IC 32-25.5 (Homeowners Associations Act)
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
Liens and foreclosure: IC 32-28-14 (Homeowners Association Lien Act)
Indiana puts HOA liens and foreclosure in a separate chapter. The Homeowners Association Lien Act establishes how a notice of lien attaches, requires judicial foreclosure through court action (no power-of-sale), and imposes a 90-day waiting period before foreclosure begins.
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.
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
- The recorded CC&Rs and bylaws — Indiana sets governance and records floors, but most fine and rule authority flows from the recorded covenants.
- IC 32-25.5 for HOA governance, records, and budget meetings.
- IC 32-28-14 for HOA assessment liens and judicial foreclosure.
- IC 32-25 for condos.
- IC 32-21-13 for political-sign protections.
- IC 23-17 for the incorporated entity.
- 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.