Assessment & Dues: Chicago vs Skokie
How do assessment & dues rules compare between Chicago, IL and Skokie, IL?
Chicago and Skokie have similar restriction levels.
Chicago, IL
Cook County
Condo and HOA assessment rules in Chicago are governed by the Illinois Condominium Property Act (765 ILCS 605) and the Common Interest Community Association Act (765 ILCS 160). The board may levy regular assessments based on percentage of ownership interest. Special assessments may require a vote of unit owners as specified in the declaration. Assessment liens are a first priority lien on the unit (after real estate taxes) and can lead to foreclosure. The Act requires associations to maintain adequate reserve funds.
View full Chicago rules →Skokie, IL
Cook County
HOA and condo assessments in Skokie are governed by association bylaws and Illinois state law. Special assessments require proper notice and board approval, and unpaid assessments may result in liens and foreclosure.
View full Skokie rules →Key Facts Comparison
| Fact | Chicago | Skokie |
|---|---|---|
| Assessment Basis | Percentage of ownership interest | - |
| Lien Priority | First lien after real estate taxes | - |
| Foreclosure | Allowed for unpaid assessments | - |
| Reserves | Required for repair and replacement | - |
| Governing Law | 765 ILCS 605/9 (condos), 765 ILCS 160 (HOAs) | 765 ILCS 605 / 160 |
| Special Assessments | - | Require proper notice |
| Delinquent Action | - | Lien and possible foreclosure |
| Village Role | - | No involvement in assessments |
Highlighted rows indicate differences between cities.
Chicago FAQ
Can my Chicago condo association foreclose for unpaid assessments?
Yes. Under 765 ILCS 605/9(g), unpaid assessments create a lien on your unit that the association can foreclose upon. Assessment liens have priority over most other liens except real estate taxes and prior recorded first mortgages.
How are assessment amounts determined in a Chicago condo?
Assessments are based on your percentage of ownership in the common elements as stated in your declaration. The board adopts an annual budget and divides costs according to each unit's ownership percentage.
Skokie FAQ
Can my HOA increase assessments without asking owners?
Regular annual budget increases typically don't require owner votes, but bylaws may cap percentage increases. Large special assessments may require owner approval depending on your association.
What happens if I don't pay my HOA dues?
The association may impose late fees, file a lien against your unit, and potentially foreclose. Illinois law also allows collection from tenants in rental units in some cases.
Can I challenge a special assessment?
Yes. Review bylaw procedures and ensure proper notice was given. Disputes are civil matters pursued through association procedures or state court.
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