Assessment & Dues: Chicago vs Tinley Park
How do assessment & dues rules compare between Chicago, IL and Tinley Park, IL?
Chicago has fewer restrictions than Tinley Park.
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 →Tinley Park, IL
Cook County
Tinley Park HOAs may levy regular and special assessments under Illinois law. Unpaid assessments can be secured by liens against units and collected through foreclosure under the Condominium Property Act.
View full Tinley Park rules →Key Facts Comparison
| Fact | Chicago | Tinley Park |
|---|---|---|
| Assessment Basis | Percentage of ownership interest | - |
| Lien Priority | First lien after real estate taxes | - |
| Foreclosure | Allowed for unpaid assessments | Allowed on unpaid liens |
| Reserves | Required for repair and replacement | - |
| Governing Law | 765 ILCS 605/9 (condos), 765 ILCS 160 (HOAs) | - |
| Regular Assessments | - | Per approved annual budget |
| Special Assessments | - | May require owner vote |
| Lien Authority | - | Under state statute |
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.
Tinley Park FAQ
Can my HOA raise dues without a vote?
Boards can typically adjust regular assessments within budget limits set in CC&Rs. Major increases or special assessments may require owner vote.
What happens if I don't pay assessments?
Late fees, interest, a recorded lien, and eventually foreclosure are possible. Contact the board early to arrange payment plans.
Are HOA liens public record?
Yes. HOA liens are recorded with the Cook or Will County Recorder and appear in title searches.
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