Folsom vs Rancho Cordova
How do assessment & dues rules compare between Folsom, CA and Rancho Cordova, CA?
Folsom has fewer restrictions than Rancho Cordova.
Folsom, CA
Sacramento County
Davis-Stirling limits annual HOA regular assessment increases to 20% without a member vote, and special assessments to 5% of the prior year's budget without a vote (Civ Code §5605). Late assessments carry statutory interest and collection procedures under Civ Code §5650 et seq.
View full Folsom rules →Rancho Cordova, CA
Sacramento County
HOA assessments in Rancho Cordova are governed by Civil Code 5600-5740. Annual regular assessment increases are capped at 20 percent without member vote (Civil Code 5605), and special assessments in a fiscal year are capped at 5 percent of the budgeted gross expenses without member approval. Delinquent assessments accrue interest and can lead to liens and foreclosure under strict procedures.
View full Rancho Cordova rules →Key Facts Comparison
| Fact | Folsom | Rancho Cordova |
|---|---|---|
| Regular Cap | 20%/year without vote (Civ Code §5605) | - |
| Special Cap | 5% without vote | - |
| Late Fee | $10 or 10% (Civ Code §5650) | Greater of 10 or 10 percent per CC 5650 |
| Interest | 12% annual max | Up to 12 percent annually |
| Foreclosure Threshold | $1,800 or 12 months (Civ Code §5720) | 1,800 or 12 months per CC 5720 |
| Annual Cap (board only) | - | 20 percent per CC 5605 |
| Special Assessment Cap | - | 5 percent per CC 5605 |
Highlighted rows indicate differences between cities.
Folsom FAQ
Can my HOA raise dues 30% this year?
Only with a member vote. Without a vote, Civ Code §5605 caps increases at 20%. Special assessments cap at 5% of prior year.
When can my HOA foreclose for unpaid dues?
Only if the delinquency is at least $1,800 in assessments (excluding late fees/interest) or at least 12 months past due, per Civ Code §5720.
Rancho Cordova FAQ
Can my HOA raise dues 30 percent without a vote?
No. Civil Code 5605 caps board-only increases at 20 percent. Larger increases require member approval.
Can the HOA foreclose over a 500 dollar delinquency?
Not through non-judicial foreclosure. Civil Code 5720 requires at least 1,800 dollars or 12 months delinquent.
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