HOA Rules in North Carolina (2026)
58 rules on the books across North Carolina, 22 cities and counties. Select a rule to read the full details.
Severity: Few Restrictions · Light Restrictions · Some Restrictions · Significant Restrictions · Heavy Restrictions
Board Procedures
Rules governing HOA board meetings, elections, transparency requirements, and voting procedures for homeowners.
North Carolina: statewide
StatewideSome RestrictionsNorth Carolina's Planned Community Act requires HOAs to hold at least one association meeting each year (G.S…
Read full rule →Charlotte
Some RestrictionsHOAs in Charlotte are governed by the North Carolina Planned Community Act (N.C. General Statutes Chapter 47F), which…
Read full rule →Cornelius
Some RestrictionsHOAs in Cornelius operate under the NC Planned Community Act (NCGS Chapter 47F) for communities formed after January 1…
Read full rule →Greensboro
Some RestrictionsGreensboro HOA boards are governed by N.C.G.S. Chapter 47F, the Planned Community Act. The Act requires at least one…
Read full rule →Huntersville
Some RestrictionsHuntersville-area HOAs operate under the NC Planned Community Act (NCGS Chapter 47F) for communities created after…
Read full rule →Raleigh
Some RestrictionsHOA boards in Raleigh operate under the NC Planned Community Act (NC Gen Stat Chapter 47F) for communities created…
Read full rule →Winston-Salem
Some RestrictionsWinston-Salem HOA boards operate under the NC Planned Community Act NCGS Chapter 47F for communities created after 1999…
Read full rule →Architectural Review
Standards and approval processes for exterior modifications including paint colors, additions, fencing, landscaping changes, and solar panel installation.
Huntersville
Heavy RestrictionsMost Huntersville subdivisions have Architectural Review Committees (ARCs) governed by recorded CCRs. Homeowners must…
Read full rule →Charlotte
Some RestrictionsCharlotte HOA architectural review boards (ARB/ARC) operate under NC Gen Stat §47F-3-107.1 of the Planned Community…
Read full rule →Assessment & Dues
Rules about regular assessments, special assessments, collection procedures, late fees, and what happens when homeowners fall behind on dues.
North Carolina: statewide
StatewideHeavy RestrictionsUnder the North Carolina Planned Community Act, G.S. 47F-3-116, any assessment unpaid for 30 days or longer becomes a…
Read full rule →Cornelius
Heavy RestrictionsCornelius HOAs can levy regular and special assessments under NCGS 47F-3-115 and secure unpaid amounts with liens that…
Read full rule →Greensboro
Heavy RestrictionsGreensboro HOA assessments are governed by N.C.G.S. 47F-3-115. Associations may levy assessments and record liens under…
Read full rule →Raleigh
Heavy RestrictionsHOA assessments in Raleigh are authorized by NC Gen Stat 47F-3-115 and the recorded declaration, which sets the…
Read full rule →Carteret County
Some RestrictionsWhere unincorporated Carteret County accepts dedicated common areas, the subdivision's owners' association must pay…
Read full rule →Chapel Hill
Some RestrictionsWhen a Chapel Hill subdivision's common improvements, streets, bikeways, drainage facilities or recreation areas, are…
Read full rule →Charlotte
Some RestrictionsUnder the NC Planned Community Act (Chapter 47F), HOAs in Charlotte may levy assessments as provided in their…
Read full rule →Concord
Some RestrictionsConcord's Development Ordinance requires an HOA formed to own a conservation subdivision's open space to build…
Read full rule →Franklin County
Some RestrictionsIn unincorporated Franklin County, the Unified Development Code requires every property owners association approved…
Read full rule →Harnett County
Some RestrictionsFor developments the county requires to have a homeowners association, unpaid dues or fees become a lien on the…
Read full rule →High Point
Some RestrictionsHigh Point's Development Ordinance lets an owners' association levy assessments on every lot or unit in a development…
Read full rule →Huntersville
Some RestrictionsHOA assessments in Huntersville-area planned communities are governed by NCGS 47F-3-115 which authorizes boards to levy…
Read full rule →Mebane
Some RestrictionsIn the City of Mebane, North Carolina, UDO Section 7-7.2(C) lets a subdivision's owners' association levy assessments…
Read full rule →Stedman
Some RestrictionsIn the Town of Stedman, North Carolina, a required homeowners association may levy assessments on building-site owners…
Read full rule →Union County
Some RestrictionsUnion County will not approve a final subdivision plat unless any property owners association responsible for shared…
Read full rule →Winston-Salem
Some RestrictionsWinston-Salem HOAs collect assessments under authority of NCGS 47F-3-115. Regular assessments fund operations and…
Read full rule →Dispute Resolution
Processes for resolving conflicts between homeowners and the HOA board, including mediation requirements, hearing procedures, and state oversight.
Charlotte
Some RestrictionsNorth Carolina does not have a mandatory pre-litigation mediation requirement for HOA disputes, unlike some states…
Read full rule →Concord
Some RestrictionsConcord requires a conservation-subdivision HOA to build a dispute-resolution mechanism into its founding documents…
Read full rule →Greensboro
Some RestrictionsGreensboro HOA disputes may be resolved through mediation or arbitration under N.C.G.S. 47F. The Act requires notice…
Read full rule →Huntersville
Some RestrictionsHOA disputes in Huntersville can be addressed through internal appeals to the board, mediation, or litigation in…
Read full rule →Raleigh
Some RestrictionsNC Gen Stat 47F-3-107.1 requires Raleigh HOAs to provide owners a hearing before imposing fines, suspending privileges…
Read full rule →Winston-Salem
Some RestrictionsNC encourages HOA-owner disputes to be resolved through negotiation and mediation before litigation. NCGS 7A-38.3F…
Read full rule →CC&R Enforcement
How covenants, conditions, and restrictions are enforced, including violation notices, fines, lien authority, and legal remedies available to HOAs and homeowners.
North Carolina: statewide
StatewideFew RestrictionsNorth Carolina law overrides certain HOA restrictions. G.S. 22B-20 voids covenants that prohibit residential solar…
Read full rule →Charlotte
Heavy RestrictionsCharlotte HOAs enforce CC&Rs under NC Gen Stat §47F-3-107.1, which requires a hearing notice and opportunity to be…
Read full rule →Cornelius
Heavy RestrictionsCornelius HOAs enforce covenants, conditions, and restrictions through fines, liens, and injunctions under NCGS…
Read full rule →Catawba County
Some RestrictionsCatawba County does not enforce your subdivision's CC&Rs; it only confirms, before a plat records, that the homeowners'…
Read full rule →Greensboro
Some RestrictionsGreensboro HOA covenants are enforceable under N.C.G.S. 47F-3-102. Fines require written notice and a hearing under…
Read full rule →Raleigh
Some RestrictionsCCRs (covenants, conditions, and restrictions) are enforceable contracts recorded against each lot in a Raleigh planned…
Read full rule →Winston-Salem
Some RestrictionsWinston-Salem HOAs enforce CCRs under the NC Planned Community Act NCGS Chapter 47F. Boards must follow notice and…
Read full rule →Brunswick County
Light RestrictionsBrunswick County's Zoning Administrator will issue a development permit whenever a project meets the Unified…
Read full rule →Harnett County
Light RestrictionsHarnett County's Unified Development Ordinance explicitly says it doesn't interfere with, abrogate, or annul private…
Read full rule →Surry County
Light RestrictionsIn unincorporated Surry County, North Carolina, county zoning does not interfere with, abrogate, or annul private…
Read full rule →Fayetteville
Few RestrictionsFayetteville's Unified Development Ordinance draws a hard line between city zoning enforcement and private homeowners…
Read full rule →Mebane
Few RestrictionsIn the City of Mebane, North Carolina, private deed restrictions and CC&Rs recorded on a subdivision are enforced only…
Read full rule →HOA Fines & Enforcement
Statutory caps on HOA fine amounts, notice-and-hearing requirements before fines can be assessed, and how unpaid fines become liens against the property.
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 states that bar foreclosure where the debt is fines and late fees rather than assessments.
Board Governance
Governance structure of the HOA (board composition, term lengths, election procedures), open-meeting requirements, and member voting rights under state statutes.
Carteret County
Some RestrictionsUnincorporated Carteret County requires developers of subdivisions with shared common areas to form an owners'…
Read full rule →Chapel Hill
Some RestrictionsChapel Hill's Land Use Management Ordinance requires any neighborhood or homeowners' association set up to maintain…
Read full rule →Cleveland County
Some RestrictionsIn the unincorporated area of Cleveland County, the person who receives a zoning, special use, or sign permit stays…
Read full rule →Concord
Some RestrictionsConcord requires mandatory HOA membership and City-approved governing documents for any conservation subdivision whose…
Read full rule →Franklin County
Some RestrictionsFranklin County's Unified Development Code requires subdivisions with common assets to form a property owners…
Read full rule →Granville County
Some RestrictionsAny subdivision in unincorporated Granville County with private roads or shared common areas must form a property…
Read full rule →Harnett County
Some RestrictionsHarnett County requires any subdivision with a homeowners association to have its by-laws approved by the Development…
Read full rule →High Point
Some RestrictionsHigh Point's Development Ordinance requires a homeowners' or property owners' association whenever a development has…
Read full rule →Mebane
Some RestrictionsIn the City of Mebane, North Carolina, any subdivision or condominium with shared common areas must form a legal…
Read full rule →Pitt County
Some RestrictionsPitt County requires any subdivision that uses private streets to be governed by an incorporated homeowners…
Read full rule →Stedman
Some RestrictionsIn the Town of Stedman, North Carolina, any zero lot line or group development with triplex units or more, or where…
Read full rule →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, and first-responder flags, along with the pole height and placement conditions a board can still impose.
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 landscaping a covenant may not prohibit outright.