San Antonio, TX HOA Rules: Assessment & Dues (2026)
Key Facts
- Notice Before Lien
- 30 days certified mail
- Payment Plan
- 3 months minimum (15+ lot HOAs)
- Foreclosure Notice
- 60 days before filing
- Foreclosure Type
- Judicial only
Summary
Texas Property Code Chapter 209 governs HOA assessments and liens. Associations with 15 or more lots must offer payment plans for overdue assessments (minimum 3-month term). Before filing a lien, the HOA must send a written notice allowing at least 30 days to cure. HOAs may foreclose on assessment liens but must follow strict notice and procedural requirements.
Sec. 209.0063. PRIORITY OF PAYMENTS. (a) Except as provided by Subsection (b), a payment received by a property owners' association from the owner shall be applied to the owner's debt in the following order of priority: (1) any delinquent assessment; (2) any current assessment; (3) any reasonable attorney's fees or reasonable third party collection costs incurred by the association associated solely with assessments or any other charge that could provide the basis for foreclosure; (4) any reasonable attorney's fees incurred by the association that are not subject to Subdivision (3); (5) any reasonable fines assessed by the association; and (6) any other reasonable amount owed to the association.
Full Breakdown
Under Texas Property Code Section 209.0062, a property owners' association with the authority to assess owners must follow specific procedures before placing a lien. The association must provide written notice via certified mail of the amount owed, including late fees and interest, and allow at least 30 days for payment. Associations with 15 or more lots must offer a payment plan of at least 3 months under Section 209.0063. The association may file a lien against the property for unpaid assessments, but foreclosure requires compliance with Section 209.0091 through 209.0094, including mailing a 60-day notice of intent to foreclose. Judicial foreclosure is required (non-judicial foreclosure on assessment liens is prohibited). The association cannot accelerate all future assessments upon default. As of 2021, associations must also file management certificates with both the county clerk and TREC (Texas Real Estate Commission). San Antonio does not impose additional municipal requirements on HOA assessments.
Violations & Fines
Unpaid assessments accrue late fees and interest per the CC&Rs. The HOA may file a lien and pursue judicial foreclosure after proper notice. Attorney fees may be added to the debt.
Frequently Asked Questions
Can my HOA foreclose on my home for unpaid assessments in San Antonio?
Does my HOA have to offer a payment plan for overdue assessments?
Sources & Official References
Other rules in San Antonio
Texas rules heatmap·Compare San Antonio to another location·View the Texas hoa rules overview
See something wrong?
Help us keep this page accurate. If you notice an error or outdated information, let us know.
Assessment & Dues in Nearby Cities
How other cities in Bexar County handle assessment & dues.