Assessment & Dues

Under the Alabama Homeowners' Association Act, an association has a lien on each lot for unpaid assessments, plus interest and costs the declaration allows. The lien is recorded in…

Under A.R.S. § 33-1807, unpaid assessments in an Arizona planned community become an automatic lien on the lot, and the association may charge late fees and interest if the declaration…

California HOAs may levy regular and special assessments, charge late fees and interest, record liens, and ultimately foreclose on delinquent owners under the Davis-Stirling Act. State…

Under the Colorado Common Interest Ownership Act, C.R.S. § 38-33.3-316, an association has a statutory lien for unpaid assessments. After HB22-1137 (2022) it may foreclose only once…

Under the Delaware Uniform Common Interest Ownership Act, an association has an automatic statutory lien on a unit for unpaid assessments. That lien carries a limited super-priority…

For condominiums, the D.C. Condominium Act gives the unit owners' association an automatic lien for unpaid assessments with a limited priority over a first mortgage. D.C. has no…

Under Fla. Stat. § 720.3085, unpaid assessments become a lien on a parcel, and the homeowners' association may foreclose like a mortgage. Before recording the lien the association must…

If a community opts into the Georgia Property Owners' Association Act (O.C.G.A. § 44-3-220 et seq.), unpaid assessments become a lien under § 44-3-232 that the association may…

Under Haw. Rev. Stat. § 421J-10.5, all unpaid assessments automatically become a lien on the unit that the association may foreclose by court action or by nonjudicial power-of-sale…

Idaho's Homeowner's Association Act lets an HOA levy assessments for common-area maintenance and record a verified lien against a lot. Idaho Code § 55-3207 expressly permits the…

The Common Interest Community Association Act (765 ILCS 160) governs Illinois HOA budgets and assessments but, unlike the Condominium Property Act, it creates no statutory assessment…

Unpaid assessments become a homeowners association lien under Ind. Code § 32-28-14 once a notice of lien is recorded with the county recorder. The association may foreclose by court…

Iowa has no general HOA assessment statute, so a planned-community HOA's lien rights come from its recorded declaration plus contract law. For condominiums under the Horizontal…

Kansas's HOA governance act, the Uniform Common Interest Owners Bill of Rights Act (K.S.A. 58-4601 et seq.), contains no assessment-lien provision. For condominiums, K.S.A. 58-3123…

Kentucky has no single HOA assessment law. Condominiums get an automatic lien under KRS 381.9193, and planned communities formed after June 29, 2023 get a continuing lien under KRS…

Louisiana associations collect unpaid dues through a statutory "privilege" (the civil-law lien). Under La. R.S. 9:1145, a privilege arises on a lot or unit for any assessment or fine…

Maine condominium associations get an automatic statutory assessment lien on each unit under 33 M.R.S. § 1603-116. Non-condo HOAs have no general statute and rely on their recorded…

A Maryland HOA collects delinquent assessments through a contract lien under the Maryland Contract Lien Act (Real Prop. §§ 14-201 to 14-206), and that lien can be foreclosed like a…

Massachusetts has no comprehensive HOA act. Condominium associations get a powerful statutory lien under M.G.L. c. 183A § 6 that carries a six-month super-priority over a first…

Michigan condominium associations get an automatic statutory lien for unpaid assessments under MCL 559.208, foreclosable like a real-estate mortgage. Michigan has no general non-condo…

Under the Minnesota Common Interest Ownership Act (Minn. Stat. Ch. 515B), an association gets an automatic lien for unpaid assessments. Section 515B.3-116 gives it a six-month…

Mississippi has no general HOA assessment statute, so a standard subdivision HOA's lien and foreclosure powers come from its recorded declaration. Condominiums are different: Miss…

Missouri has no general HOA statute, so ordinary homeowners' association liens come only from the recorded declaration. Condominiums are different: under the Missouri Uniform…

Montana has no general HOA statute creating an assessment lien, so an ordinary homeowners' association's lien and foreclosure power come only from the recorded declaration…

Nebraska has no general HOA assessment statute. For condominiums, the Nebraska Condominium Act gives the association a lien for unpaid common expenses that may be foreclosed like a…

Under the Nevada Common-Interest Ownership Act, NRS 116.3116, an association has a statutory lien for unpaid assessments. A portion is super-priority over a first mortgage, and the…

New Hampshire condominium associations get a statutory assessment lien under RSA 356-B:46, including a limited 6-month priority over first mortgages. There is no comprehensive…

New Jersey gives both condominium and planned-community associations a foreclosable assessment lien with a limited 6-month priority over a prior first mortgage. The Condominium Act…

The New Mexico Homeowner Association Act (NMSA 47-16-1 to 47-16-18) does not create a statutory assessment lien for ordinary HOAs; collection and any lien or foreclosure power must…

New York has no comprehensive HOA act. Condominiums get a statutory common-charge lien under Real Property Law § 339-z that is foreclosable like a mortgage but junior to a first…

Under the North Carolina Planned Community Act, G.S. 47F-3-116, any assessment unpaid for 30 days or longer becomes a lien on the lot. If unpaid for 90 days or more, the association…

North Dakota has no general HOA act. For condominiums, N.D.C.C. § 47-04.1-11 makes a reasonable common-expense assessment a debt of the owner and a recorded lien on the unit. For…

Ohio's Planned Community Law lets homeowners associations levy assessments and, when unpaid, record a lien foreclosed exactly like a mortgage. R.C. 5312.12 makes the lien prior to…

Under the Oregon Planned Community Act, an HOA has a lien on each lot for unpaid assessments (plus interest, late charges, attorney fees and costs) and may judicially foreclose it…

Under Pennsylvania's Uniform Planned Community Act, 68 Pa.C.S. § 5315, an association has an automatic lien on a unit for unpaid assessments and fines from the time they become due…

Under Rhode Island's Common Interest Ownership Act, an association has an automatic lien on a unit for unpaid assessments and fines. The lien carries a six-month super-priority over a…

Tennessee has no general homeowners' association assessment statute, so a subdivision HOA's dues, budget, and late fees come from its recorded declaration rather than from state law…

Under the Texas Residential Property Owners Protection Act, unpaid assessments become a lien (Tex. Prop. Code § 209.0094), but a Texas HOA may not foreclose that lien without first…

Utah's Community Association Act gives an HOA a statutory lien on a lot for unpaid assessments, collection costs, attorney fees, and qualifying fines (§ 57-8a-301). The association may…

Vermont's Common Interest Ownership Act (27A V.S.A. Title 27A) gives associations an automatic lien for unpaid assessments and fines under 27A V.S.A. § 3-116, with a six-month…

Under the Virginia Property Owners' Association Act, § 55.1-1833, an association may perfect a lien for unpaid assessments by recording a memorandum of lien, but only if it does so…

Washington has two regimes. Communities created on or after July 1, 2018 fall under WUCIOA (RCW 64.90), whose lien carries a 6-month super-priority over first mortgages and can be…

Under West Virginia's Uniform Common Interest Ownership Act, W. Va. Code § 36B-3-116, an association has an automatic lien on a unit for unpaid assessments and fines from the time they…

Wisconsin has no comprehensive non-condo HOA act. Condominium associations get a statutory assessment lien under Wis. Stat. § 703.165 that is foreclosed like a mortgage. Non-condo HOAs…