Topic · every state
Can an HOA Foreclose? Liens, Unpaid Dues and Foreclosure by State
Unpaid assessments are the one HOA debt that can reach your home. In most states the association's claim becomes a lien on the property, and many states let the association foreclose that lien, sometimes only after a dollar threshold, a waiting period, or a court order. These guides explain each state's lien and foreclosure rules, how dues increases are limited, and what the statute actually says. Because the stakes are high, anyone facing an HOA lien or foreclosure notice would want to talk with a licensed attorney in their state.
Start with the nationwide picture
The general rules that hold in most states, before the state detail.
Can My HOA Foreclose on My Home?
In most states, yes: Florida fines under $1,000 can't become liens, California requires $1,800 or over 12 months past due, Texas a court order.
Liens & ForeclosureWhat Happens If I Stop Paying HOA Dues?
Unpaid HOA dues escalate from late fees to a lien to possible foreclosure, which California bars until assessments reach $1,800 or are over 12 months late.
Assessments & DuesHow Much Can My HOA Raise Dues?
Some states cap HOA dues increases without a member vote (California's §5605 sets 20% for regular assessments); others leave it to the governing documents.
HOA liens, dues & foreclosure, state by state
An article for each of the 49 states covered, with the statute quoted.
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