HOA homeowner rights, state by state

Your rights as an Alabama homeowner — which law applies (the 2016 HOA Act vs. older communities), records, fines, the assessment lien, and meetings, in plain English.

Your rights as an Arizona homeowner under the Planned Communities Act — open member and board meetings, records within 10 business days, penalties only after a hearing, foreclosure only at 18 months or $10,000 of delinquency, and the state Department of Real Estate hearing process. In plain English.

Your rights as an Arkansas homeowner — whether your community opted in to the Horizontal Property Act, and what the Nonprofit Corporation Act adds.

Your rights as a California homeowner under the Davis-Stirling Act — records, discipline hearings, and the limits on assessment foreclosure, in plain English.

Your rights as a Colorado homeowner under CCIOA and the 2022 HB 22-1137 reforms — open meetings with a right to speak, records with no 'proper purpose' hurdle, fines capped at $500, mandatory payment plans, and no foreclosure on fines-only debt. In plain English.

Your rights as a Connecticut homeowner under CIOA — records on 30 days' notice, open board meetings with an owner-comment period, fines only after a hearing, and the association's nine-month super-priority lien. In plain English.

Your rights as a Delaware homeowner under DUCIOA — records, fines, meetings, the assessment lien, and the state's HOA Ombudsperson, in plain English.

Your rights as a Florida homeowner under Chapter 720 — fines, records, hearings, and meetings, in plain English.

Your rights as a Georgia homeowner — the opt-in Property Owners' Association Act, records through the Nonprofit Corporation Code, the assessment lien behind the first mortgage, and the new SB 406 Bill of Rights phasing in through 2027. In plain English.

Your rights as a Hawaii homeowner — condos run on the Condominium Property Act (open board meetings, records within 30 days, fines with an appeal, a six-month super-priority lien), and planned communities on Chapter 421J. In plain English.

Your rights as an Idaho homeowner — Idaho's HOA Act is limited, so the recorded covenants and the Nonprofit Corporation Act do much of the work. Fines need 30 days' notice and a board vote, and the statutory lien covers only common-area maintenance costs, not fines. In plain English.

Your rights as an Illinois homeowner under CICAA — open board meetings with 48-hour notice, fines only after a hearing, records on a 30-day clock, and the rule that HOAs have no statutory lien (condos do). In plain English.

Your rights as an Indiana homeowner — financial records on written request, the right to attend any board meeting, judicial foreclosure with a 90-day waiting period, and Indiana's distinctive 30-day-before-to-5-day-after political sign protection. In plain English.

Your rights as an Iowa homeowner — Iowa has no general HOA statute, so your declaration, the Nonprofit Corporation Act (Ch. 504), and (for condos) Ch. 499B do the heavy lifting. In plain English.

Your rights as a Kansas homeowner under the Uniform Common Interest Owners Bill of Rights Act — open meetings, records on 10 days' notice, and what your declaration still controls. In plain English.

Your rights as a Kentucky homeowner — the 2023 Planned Community Act, the modern Condominium Act, the older Horizontal Property Law, and how the layers fit.

Your rights as a Louisiana homeowner — the HOA Act, the Condominium Act, the Civil Code's building-restrictions framework, and the assessment privilege, in plain English.

Your rights as a Maine homeowner — Maine has no general HOA statute, so your declaration, the Nonprofit Corporation Act, and (for condos) the Condominium Act do the work. In plain English.

Your rights as a Maryland homeowner — open meetings, books and records on a deadline, a contract lien that requires written notice and a court probable-cause hearing, and the rule that fines can't be foreclosed on. In plain English.

Your rights as a Massachusetts homeowner — Massachusetts has no general HOA statute, so condos run on Chapter 183A (with its powerful six-month super-priority lien) and non-condo HOAs run on covenants plus Chapter 180. In plain English.

Your rights as a Michigan homeowner — Michigan's distinctive 'site condominium' structure means most single-family HOAs actually run on the Condominium Act, with its statutory lien (MCL 559.208) and judicial foreclosure with a 6-month redemption period. In plain English.

Your rights as a Minnesota homeowner under MCIOA — records reasonably available for examination, open board meetings, fines only after notice and a hearing, and the assessment lien with its six-month priority, in plain English.

Your rights as a Mississippi homeowner — Mississippi has no general HOA statute, so covenants, the Nonprofit Corporation Act, and (for condos) § 89-9 do the heavy lifting. In plain English.

Your rights as a Missouri homeowner — Missouri has no general HOA statute, so condos get Chapter 448's six-month super-priority lien with a 3-year limit, and non-condo HOAs run on covenants plus Chapter 355. In plain English.

Your rights as a Montana homeowner — Montana has a concise condominium statute (Title 70, Ch. 23) but no general HOA act, so the declaration and the Nonprofit Corporation Act do the heavy lifting. In plain English.

Your rights as a Nebraska homeowner — the modern Condominium Act (UCIOA) covers condos, while non-condo HOAs run on covenants and the Nonprofit Corporation Act. In plain English.

Your rights as a Nevada homeowner under NRS Chapter 116 — quarterly open board meetings with comment at both ends, records within 21 days, fines capped at $100/$1,000 after a hearing, the nine-month super-priority lien, and the state Ombudsman and Commission. In plain English.

Your rights as a New Hampshire condo or HOA homeowner — which law actually applies, records, fines, meetings, and the assessment lien, in plain English.

Your rights as a New Jersey homeowner under PREDFDA — open board meetings, the Radburn Law's election protections, mandatory alternative dispute resolution, and the six-month super-priority lien shared by HOAs and condos. In plain English.

Your rights as a New Mexico homeowner under the HOA Act — five years of meeting minutes on request, fines only after 14 days' notice and a hearing, board-meeting notice 48 hours in advance, and records access backed by a $50-per-day penalty. In plain English.

Your rights as a New York homeowner — New York has no single HOA statute, so condos run on the Condominium Act, co-ops on the Business Corporation Law and a proprietary lease, and HOAs on the declaration plus the Not-for-Profit Corporation Law, all under the business judgment rule. In plain English.

Your rights as a North Carolina homeowner under the Planned Community Act — records reasonably available, fines only after notice and a hearing (capped at $100 a day), the filed claim-of-lien foreclosure, and the 20-lot small-community exemption. In plain English.

Your rights as a North Dakota homeowner — the Condominium Ownership of Real Property Act (NDCC ch. 47-04.1) gives condos a real recorded assessment lien, while non-condo HOAs run on the declaration and the Nonprofit Corporation Act. In plain English.

Your rights as an Ohio homeowner under the Planned Community Act — records access, written notice and hearing before fines, a filed certificate-of-lien, and solar-device protections. In plain English.

Your rights as an Oklahoma homeowner under REDA and the Unit Ownership Estate Act — and why the power-of-sale assessment lien makes Oklahoma a state to act early in.

Your rights as an Oregon homeowner under the Planned Communities Act — association records on request, a statutory lien that perfects on declaration recording, lot-owner meetings, and enforcement rights. In plain English.

Your rights as a Pennsylvania homeowner under the Uniform Planned Community Act — financial records on request (with an Attorney General complaint route), fines only after notice and a hearing, and the assessment lien with its six-month priority. In plain English.

Your rights as a Rhode Island homeowner — the modern UCIOA-based Condominium Act covers condos with concrete records, fine, meeting, and lien rules. Non-condo HOAs run on the declaration and the Nonprofit Corporation Act.

Your rights as a South Carolina homeowner under the HOA Act — recording requirements, budget-increase notice, records access, and magistrate-court jurisdiction — plus the Horizontal Property Act's statutory lien for condos. In plain English.

Your rights as a South Dakota homeowner — South Dakota has no general HOA statute, and its Condominium Act is mostly a developer-disclosure law, so the master deed and the Nonprofit Corporation Act do the heavy lifting. In plain English.

Your rights as a Tennessee homeowner — Tennessee has no general HOA statute (a bill is pending), so condos get the 2008 Condominium Act's six-month super-priority lien capped at 1% of the mortgage, while HOAs rely on covenants plus Chapter 48. In plain English.

Your rights as a Texas homeowner under the Residential Property Owners Protection Act — records, fines, hearings, and the judicial-foreclosure requirement, in plain English.

Your rights as a Utah homeowner under the Community Association Act — a 30-day informal hearing on fines, open board meetings with statutory damages, records access backed by a $25-per-day penalty, and a 180-day cap on what can stay in the lien. In plain English.

Your rights as a Vermont homeowner under the Common Interest Ownership Act — records, fines, open meetings, dues, and the assessment lien, in plain English.

Your rights as a Virginia homeowner under the Property Owners' Association Act — open board meetings with a comment period, records on a short clock, charges capped at $50/$10 a day after a hearing, and the state Common Interest Community Board and Ombudsman. In plain English.

Your rights as a Washington homeowner under WUCIOA — open board meetings with a 15-minute comment period, records within 10 days, fines only under a published schedule after a hearing, and the assessment lien's six-month super-priority. In plain English.

Your rights as a West Virginia homeowner under the Uniform Common Interest Ownership Act — records, fines, meetings, and the assessment lien, in plain English.

Your rights as a Wisconsin homeowner — Wisconsin's 2021 Act 199 (effective 2023) added mandatory covenant recording for HOAs. Condos run on Chapter 703's lien with a 2-year filing window, non-condo HOAs on covenants plus Chapter 181. In plain English.

Your rights as a Wyoming homeowner — Wyoming's condominium chapter is short (4 sections) and there's no general HOA statute, so the declaration and the Nonprofit Corporation Act carry most of the framework.