HOA Rules in Tennessee (2026)
20 rules on the books across Tennessee, 7 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.
Assessment & Dues
Rules about regular assessments, special assessments, collection procedures, late fees, and what happens when homeowners fall behind on dues.
Tennessee: statewide
StatewideFew RestrictionsTennessee has no general homeowners' association assessment statute, so a subdivision HOA's dues, budget, and late fees…
Read full rule →Franklin
Some RestrictionsFranklin's 2026 zoning ordinance requires any homeowners association deeded open space to record covenants giving the…
Read full rule →Sumner County
Some RestrictionsSumner County requires every lot in a subdivision with common open space to fund its upkeep on a pro-rata basis, and if…
Read full rule →Williamson County
Some RestrictionsEvery lot in a Williamson County subdivision with a required HOA must fund common-area upkeep on a pro-rata basis, and…
Read full rule →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.
Hendersonville
Some RestrictionsHendersonville's zoning ordinance controls whenever it is stricter than an HOA covenant, but the ordinance leaves…
Read full rule →Sumner County
Some RestrictionsSumner County will not force compliance with a subdivision's covenants and restrictions by default. If a homeowners' or…
Read full rule →Williamson County
Some RestrictionsWilliamson County may, but is not required to, step in when an HOA fails to maintain required open space or common…
Read full rule →Knoxville
Light RestrictionsKnoxville issues short-term rental permits without checking HOA covenants: the ordinance says outright that the city…
Read full rule →Hamilton County
Few RestrictionsHamilton County government does not enforce homeowners association covenants or deed restrictions. County zoning…
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.
Franklin
Some RestrictionsFranklin's 2026 zoning ordinance requires any homeowners association receiving deeded open space to record covenants…
Read full rule →Rutherford County
Some RestrictionsIn unincorporated Rutherford County, a minor subdivision of up to three lots off a private street or road easement can…
Read full rule →Sumner County
Some RestrictionsSumner County requires any subdivision with common open space to form an incorporated homeowners' or property owners'…
Read full rule →Williamson County
Some RestrictionsAny unincorporated Williamson County subdivision of two or more lots with required common open space must form a…
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.
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 the insurance, electricity cost, maintenance, and removal obligation.
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 required before a rental amendment binds existing owners.