Jersey City, NJ HOA Rules: Assessment & Dues (2026)

The NJ Condominium Act (N.J.S.A. 46:8B-17) authorizes condo associations to assess common expenses against each unit owner in proportion to their percentage interest in the common elements. Special assessments for capital improvements or unforeseen expenses generally require a membership vote per the bylaws. Assessments become due on the schedule in the bylaws (typically monthly). Unpaid assessments constitute a lien on the unit from the date the assessment is due, effective when a claim of lien is recorded in the county (N.J.S.A. 46:8B-21). NJ law grants condo associations a limited 6-month priority lien ahead of the first mortgage under N.J.S.A. 46:8B-21(b), meaning up to 6 months of unpaid regular assessments have priority in a foreclosure. Associations may charge late fees, interest (typically 18% per annum if authorized by bylaws), and attorneys' fees. Planned unit developments (townhome HOAs) operate under PREDFDA and their recorded declarations; lien priorities for PREDs depend on the declaration and NJ case law. Associations may foreclose on the lien after proper notice.