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HOA Fines & Enforcement

HOA Rules

Statutory caps on HOA fine amounts, notice-and-hearing requirements before fines can be assessed, and how unpaid fines become liens against the property.

23% permissive27% moderate(26 locations)

How HOA Fines & Enforcement Rules Differ by Place

26 places covered7 moderate6 permissive

HOA Fines & Enforcement Rules by State

Statewide law governs this topic in many states. Each entry links to that state's full page.

Alabama

Some Restrictions

Alabama sets no maximum dollar figure for a homeowners' association fine. Ala. Code § 35-20-11 lets a board assess only "reasonable penalties," only to the extent the declaration and…

Alaska

Some Restrictions

Alaska sets no dollar ceiling on a homeowners association fine, but AS 34.08.320(a)(11) lets an association levy one only "after notice and an opportunity to be heard," and only if the…

Arizona

Some Restrictions

Arizona law caps how much a homeowners association can fine a member and forces the board to give notice and a hearing first. A.R.S. § 33-1803 limits late charges on an unpaid penalty…

Arkansas

Some Restrictions

Arkansas has never passed a homeowners' association act, so no statute caps what an Arkansas association may fine you, sets a cure period, or requires a hearing before a monetary…

California

Some Restrictions

California law caps homeowners association fines at $100 per violation or the amount listed in the association's published penalty schedule, whichever is less. Civil Code section 5850…

Colorado

Some Restrictions

Colorado's Common Interest Ownership Act sets statewide due-process and dollar limits on how condo and homeowner associations fine owners and collect delinquent accounts, with one…

Connecticut

Some Restrictions

Connecticut law lets an association levy reasonable fines for rule violations and charge interest or late fees on overdue assessments, but only after giving the unit owner notice and…

Delaware

Some Restrictions

Delaware puts no dollar cap on a homeowners association fine. What it caps is the process. Under 25 Del. C. § 81-302(a)(11) an association may levy only reasonable fines for violations…

District of Columbia

Some Restrictions

The D.C. Condominium Act expressly authorizes a unit owners' association to impose late charges and to fine owners for rule violations, but only after notice and an opportunity to be…

Florida

Heavy Restrictions

Under Fla. Stat. § 720.305, a Florida HOA may fine up to $100 per violation and $1,000 in the aggregate unless the governing documents allow more. The association must give at least 14…

Georgia

Some Restrictions

A Georgia property owners' association may fine a lot owner only if its recorded instrument gives it that power, and since July 1, 2024 a fine can never affect voting rights. The…

Hawaii

Few Restrictions

Hawaii's Planned Community Associations law, Haw. Rev. Stat. Chapter 421J, contains no statute authorizing fines, capping fine amounts, or prescribing notice or hearing procedures…

Idaho

Some Restrictions

Idaho Code § 55-3206 bars any HOA fine unless the authority to fine is 'clearly set forth in the covenants and restrictions.' The board must vote by majority and give at least 30 days'…

Illinois

Some Restrictions

Illinois puts no dollar limit on association fines. Both statutes say only that the board may levy reasonable fines, and neither sets a maximum, a daily cap or a cure period. What…

Indiana

Few Restrictions

Indiana has no statute granting HOAs fining power or capping fine amounts. Authority to fine must come from the recorded declaration, bylaws, or rules; if the governing documents do…

Iowa

Significant Restrictions

Iowa sets no dollar cap on a homeowners association fine and requires no notice, cure period or hearing before one is imposed. The amount and the process come from your declaration and…

Kansas

Significant Restrictions

Kansas sets no dollar cap on a homeowners association fine, requires no notice-and-hearing before one is imposed, and grants no statutory cure period. The Kansas Uniform Common…

Kentucky

Some Restrictions

Kentucky sets no maximum dollar amount for a homeowners association fine, but since the Planned Community Act took effect on June 29, 2023 a board must give the lot owner written…

Louisiana

Significant Restrictions

Louisiana sets no dollar limit on homeowners association fines and requires no hearing before one is imposed. R.S. 9:1141.20(A)(2)(l) of the Louisiana Planned Community Act simply…

Maine

Some Restrictions

Maine puts no dollar cap on association fines. 33 M.R.S. § 1603-102(a)(11) lets a condominium unit owners association levy reasonable fines for violations of the declaration, bylaws…

Maryland

Some Restrictions

Maryland Real Property § 11B-111.10 bars a homeowners association board from imposing a fine, suspending voting, or infringing any other right of a lot owner or occupant for a rules…

Massachusetts

Significant Restrictions

Massachusetts gives a condominium's organization of unit owners express statutory power to levy fines, and attaches almost no conditions to it. M.G.L. c. 183A, § 10(b)(5) authorizes…

Michigan

Some Restrictions

The Michigan Condominium Act lets associations levy fines, but only after due process. Under MCL 559.206 a condo association may impose late charges and, after notice and a hearing…

Minnesota

Significant Restrictions

Minnesota Statutes section 515B.3-102(a)(11) lets a common interest community association levy reasonable fines for violations of the declaration, bylaws, and rules, but only after…

Mississippi

Significant Restrictions

Mississippi has no statute capping what a homeowners association may fine a member, no required notice-and-hearing procedure before a fine is levied, and no statutory cure period. The…

Missouri

Some Restrictions

Missouri sets no dollar cap on association fines and has no general homeowners-association act, so a subdivision HOA's fine power comes from its own indenture. Condominiums are…

Montana

Light Restrictions

Montana has never enacted a homeowners' association fine statute. There is no dollar cap, no statutory schedule, no required cure period, and no statutory notice-and-hearing step…

Nebraska

Some Restrictions

Nebraska sets no dollar ceiling on association fines. Neb. Rev. Stat. § 76-860(a)(11) lets a condominium unit owners association levy "reasonable fines" for violations of the…

Nevada

Some Restrictions

For a violation of the governing documents that does not pose an imminent threat of causing a substantial adverse effect on health, safety or welfare, NRS 116.31031 limits a Nevada…

New Hampshire

Some Restrictions

New Hampshire's Condominium Act does not set a fine cap. A condo association's enforcement and rule-making powers flow from its bylaws under RSA 356-B:35, and violations are enforced…

New Jersey

Some Restrictions

N.J.S.A. 46:8B-15(f) lets a New Jersey condominium association impose reasonable fines only if the master deed or bylaws authorize it, and then caps each fine at the maximum monetary…

New Mexico

Some Restrictions

New Mexico sets no dollar cap on HOA fines, but NMSA 47-16-18 lets an association levy only 'reasonable fines' and only after written notice and an opportunity to dispute. Before a…

North Carolina

Some Restrictions

North Carolina's G.S. 47F-3-107.1 requires due process before an HOA can fine an owner. A hearing must be held before the executive board or an adjudicatory panel, with notice of the…

North Dakota

Some Restrictions

North Dakota has no statute that caps association fines, sets a fine schedule, or requires a hearing before a monetary penalty. Section 47-04.1-08 of the Century Code instead makes…

Ohio

Some Restrictions

Ohio's Planned Community Law lets a homeowners association bill a lot owner an "enforcement assessment" (the statute's term for an HOA fine) only when the declaration authorizes it…

Oklahoma

Significant Restrictions

Oklahoma has no statutory ceiling on what a homeowner association may charge for a covenant violation, no required notice-and-hearing procedure before a charge is levied, and no…

Oregon

Heavy Restrictions

Oregon HOAs may levy reasonable fines for violations of the declaration, bylaws, or rules, but only after written notice and an opportunity to be heard, and only when based on a fine…

Pennsylvania

Significant Restrictions

Pennsylvania sets no dollar ceiling on a homeowners association fine. Under the Uniform Planned Community Act, 68 Pa.C.S. § 5302(a)(11), an association may levy "reasonable fines" for…

Rhode Island

Some Restrictions

Rhode Island law lets a condominium executive board fine a unit owner, but it caps the amount: no more than $100 per day for a continuing violation in a residential condominium and no…

South Carolina

Significant Restrictions

South Carolina sets no dollar cap on homeowners association fines and requires no notice, hearing or cure period before one is imposed. The Homeowners Association Act, S.C. Code…

South Dakota

Some Restrictions

South Dakota has no statute that caps an association fine, requires notice and a hearing before one is imposed, sets a cure period, or creates an automatic lien for unpaid amounts…

Tennessee

Significant Restrictions

Tennessee sets no dollar cap on association fines. The only fining statute in the state is T.C.A. § 66-27-402(a)(11) in the Tennessee Condominium Act of 2008, which lets a unit owners'…

Texas

Some Restrictions

Texas Property Code Chapter 209 governs HOA fines, but only for mandatory-membership subdivisions; condos fall under Chapter 82 instead. State law sets no dollar cap on a fine, only a…

Utah

Some Restrictions

Utah Code § 57-8a-208 puts no dollar limit on an association fine. Subsection (3)(b) says only that the fine shall be in the amount provided for in the association's governing…

Vermont

Some Restrictions

Vermont's fine power comes from 27A V.S.A. § 3-102(a)(11), which lets a unit owners' association impose reasonable fines for violations of the declaration, bylaws, and rules, but only…

Virginia

Some Restrictions

Virginia caps association fines by statute. Under Va. Code § 55.1-1819 D a charge may not exceed $50 for a single offense or $10 per day for a continuing offense, and a continuing…

Washington

Heavy Restrictions

Both Washington regimes let HOAs impose reasonable fines, but only after notice and an opportunity to be heard and only under a fine schedule already adopted by the board and furnished…

West Virginia

Some Restrictions

West Virginia puts no dollar ceiling on a homeowners association fine. W. Va. Code § 36B-3-102(a)(11), part of the Uniform Common Interest Ownership Act adopted at Chapter 36B, lets a…

Wisconsin

Some Restrictions

Wisconsin sets no dollar cap on association fines and requires no hearing before one is imposed. For condominiums, Wis. Stat. § 703.24(2) makes a unit owner liable for any charges…

Wyoming

Few Restrictions

Wyoming has no homeowners association act and no statute that caps an association fine, requires a hearing before one, sets a cure period, or turns an unpaid fine into a lien. The…

Other HOA Rules Topics

Board Procedures

Rules governing HOA board meetings, elections, transparency requirements, and voting procedures for homeowners.

Architectural Review

Standards and approval processes for exterior modifications including paint colors, additions, fencing, landscaping changes, and solar panel installation.

Assessment & Dues

Rules about regular assessments, special assessments, collection procedures, late fees, and what happens when homeowners fall behind on dues.

Dispute Resolution

Processes for resolving conflicts between homeowners and the HOA board, including mediation requirements, hearing procedures, and state oversight.

CC&R Enforcement

How covenants, conditions, and restrictions are enforced, including violation notices, fines, lien authority, and legal remedies available to HOAs and homeowners.

HOA Disputes

Internal dispute-resolution processes required by statute, ombuds programs, and when a homeowner can sue the board directly without exhausting internal remedies.

Lien & Foreclosure Limits

What an association must clear before it can foreclose on a home for unpaid assessments: minimum debt thresholds, waiting periods, mandatory notice and payment-plan offers, and the…

Board Governance

Governance structure of the HOA (board composition, term lengths, election procedures), open-meeting requirements, and member voting rights under state statutes.

Flag Display Rights

When an association may restrict flags on a lot and when it may not, the federal floor protecting the American flag, and state statutes extending that protection to state, military…

Clotheslines & Energy Devices

Right-to-dry statutes that void covenants banning outdoor clotheslines and drying racks, plus the broader energy-device provisions covering heat pumps, rain barrels, and similar…

EV Charger Rights

Statutory rights to install an electric vehicle charging station in a deeded or exclusive-use parking space, the approval conditions an association may still attach, and who carries…

Drought Landscaping Rights

Laws barring an association from requiring live turf or fining a homeowner for a brown lawn during declared drought or water restrictions, and the water-efficient and native…

Rental Restriction Limits

How far an association may go in banning or capping leasing, grandfathering for owners who already rent, minimum-lease-term and cap-percentage rules, and the member vote thresholds…