State laws

Find your state's HOA laws.

HOA laws vary widely from state to state. Pick yours to jump straight to its statutes, rules, and resources.

Get familiar with your state's laws

HOA laws vary among states.

Residential condominiums, cooperatives, and homeowners associations are generally creatures of state law. State legislatures enact the statutes that authorize HOAs within a state, and for the most part state laws and regulations govern how associations operate. Choose your state below to get started.

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

State law FAQ

Frequently asked questions.

Are HOAs governed by state or federal law?

Primarily state law. State legislatures enact the statutes that authorize and regulate HOAs, and those laws — plus each community's governing documents — control most operations. Some federal laws also apply. See federal HOA laws.

How do I find my state's HOA laws?

Start with your state's HOA statutes — pick your state from the list above — then review your community's CC&Rs and bylaws, which must comply with state law.

Do HOA laws really vary from state to state?

Yes, significantly. Foreclosure procedures, assessment and lien rules, open-meeting and record-access rights, and dispute processes all differ by state, so always check your specific state's statutes.

What do state HOA laws usually cover?

State HOA statutes commonly address how associations are formed and governed, assessments and collections, liens and foreclosure, board meetings and elections, access to records, and dispute resolution.

Can an HOA foreclose on a home for unpaid dues?

In most states an HOA can record a lien and foreclose for unpaid assessments when state law and the CC&Rs allow, but the process and thresholds vary by state. See HOA debt collection.

Where can I find my HOA's governing documents?

CC&Rs and other governing documents are usually recorded with your county and may be available from the county recorder or your association. See sample documents.