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Renton, WA HOA Rules: Assessment & Dues (2026)

Some Restrictions
Compiled from the official code textEditor Martyn O'NeillLast verified September 2026

Key Facts

Statute
RCW 64.90.525 (budgets), RCW 64.90.485 (liens)
Budget Ratification
Majority of all owners must reject to fail
Lien Priority
6-month super-priority over 1st mortgage
Interest Cap
12 percent per year
Cure Period
90 days before foreclosure

Summary

Renton HOA dues follow RCW 64.90 (WUCIOA) or RCW 64.38. Budgets are ratified unless a majority of owners reject (RCW 64.90.525). Unpaid dues create statutory liens; foreclosure rules are strict.

RCW 64.90.485 — Liens — Enforcement — Notice of delinquency — Second notice. (1) The association has a statutory lien on each unit for any unpaid assessment against the unit from the time such assessment is due. (2) A lien under this section has priority over all other liens and encumbrances on a unit except: (a) Liens and encumbrances recorded before the recordation of the declaration and, in a cooperative, liens and encumbrances that the association creates, assumes, or takes subject to; (b) Except as otherwise provided in subsection (3) of this section, a security interest on the unit recorded before the date on which the unpaid assessment became due or, in a cooperative, a security interest encumbering only the unit owner's interest and perfected before the date on which the unpaid assessment became due; and (c) Liens for real estate taxes and other state or local governmental assessments or charges against the unit or cooperative. (3)(a) A lien under this section also has priority over the security interests described in subsection (2)(b) of this section to the extent of an amount equal to the following: (i) The common expense assessments, excluding any amounts for capital improvements, based on the periodic budget adopted by the association pursuant to RCW 64.90.480(1), which would have become due in the absence of acceleration during the six months immediately preceding the institution of proceedings to foreclose either the association's lien or a security interest described in subsection (2)(b) of this section; (ii) The association's actual costs and reasonable attorneys' fees incurred in foreclosing its lien but incurred after the giving of the notice described in (a)(iii) of this subsection; provided, however, that the costs and reasonable attorneys' fees that will have priority under this subsection (3)(a)(ii) shall not exceed $2,000 or an amount equal to the amounts described in (a)(i) of this subsection, whichever is less; [...] (8) Recording of the declaration constitutes record notice and perfection of the statutory lien created under this section. Further notice or recordation of any claim of lien for assessment under this section is not required, but is not prohibited. (9) A lien for unpaid assessments and the personal liability for payment of those assessments are extinguished unless proceedings to enforce the lien or collect the debt are instituted within six years after the full amount of the assessments sought to be recovered becomes due.

Source: RCW 64.90.485 HOA LiensView official code

Official source re-checked September 7, 2026: the cited page had not changed since it was quoted.

Full Breakdown

HOA assessments in Renton are governed by state law. RCW 64.90.525 requires the board to adopt an annual budget, deliver it to owners, and hold a ratification meeting at which owners may reject the budget by majority vote of all owners; otherwise it is deemed ratified. Special assessments follow the same ratification process unless the governing documents specify otherwise. Unpaid assessments create an automatic statutory lien against the unit under RCW 64.90.485, which has priority over most other liens except taxes and first mortgages (with a 6-month super-priority portion). Late fees, interest up to 12 percent, and reasonable collection costs can be charged, but only if authorized in the declaration or rules adopted after notice. Foreclosure of an HOA lien requires strict compliance with RCW 64.90.485 notices and a 90-day cure period. Older HOAs under RCW 64.38 follow similar but less formal rules. Owners have a right to a payment plan and to inspect financial records under RCW 64.90.495.

Violations & Fines

Improperly-noticed lien: void under RCW 64.90.485. Owners can recover attorney fees for wrongful foreclosure actions.

Frequently Asked Questions

Can my Renton HOA raise dues without a vote?
Under RCW 64.90.525 the board adopts a budget that is ratified unless a majority of owners reject it. So dues can rise without affirmative owner approval.
Can my HOA foreclose over unpaid dues?
Yes, but only after strict notice under RCW 64.90.485 and a 90-day cure period. Foreclosure over very small balances may be challenged as inequitable.

Sources & Official References

Other rules in Renton

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