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HOA laws vary dramatically by state. Fine limits, notice requirements, hearing rights, and homeowner protections all depend on where you live. Select your state for the complete guide.
| State | Max Fine | Hearing Required? | Governing Statute | |
|---|---|---|---|---|
| ALAlabama | No state cap | Yes | Ala. Code §35-8A & §35-20 | Full Guide → |
| AKAlaska | No state cap | Yes | AS §34.08 | Full Guide → |
| AZArizona | No state cap | Yes | ARS Title 33, Ch. 16 | Full Guide → |
| ARArkansas | No state cap | Yes | Ark. Code §18-13-101 | Full Guide → |
| CACalifornia | $100/violation | Yes | Civil Code §4000–6150 | Full Guide → |
| COColorado | $500/violation | Yes | CRS §38-33.3 | Full Guide → |
| CTConnecticut | No state cap | Yes | Conn. Gen. Stat. §47-200 | Full Guide → |
| DEDelaware | No state cap | Yes | Del. Code Title 25 §81 | Full Guide → |
| FLFlorida | $100/violation | Yes | Chapter 720 | Full Guide → |
| GAGeorgia | No state cap | Yes | O.C.G.A. §44-3 | Full Guide → |
| HIHawaii | $50/day | Yes | HRS §421J & §514B | Full Guide → |
| IDIdaho | No state cap | Yes | Idaho Code §55-115 | Full Guide → |
| ILIllinois | No state cap | Yes | 765 ILCS 160 | Full Guide → |
| INIndiana | No state cap | Yes | IC §32-25.5 | Full Guide → |
| IAIowa | No state cap | Yes | Iowa Code Ch. 499A & 499B | Full Guide → |
| KSKansas | No state cap | Yes | K.S.A. §58-4601 | Full Guide → |
| KYKentucky | No state cap | Yes | KRS §381.9101 | Full Guide → |
| LALouisiana | No state cap | Yes | La. R.S. 9:1121.101 | Full Guide → |
| MEMaine | No state cap | Yes | 33 M.R.S. §1601-101 | Full Guide → |
| MDMaryland | No state cap | Yes | MD Real Property §11B | Full Guide → |
| MAMassachusetts | No state cap | Yes | M.G.L. c. 183A | Full Guide → |
| MIMichigan | No state cap | Yes | MCL §559.101 | Full Guide → |
| MNMinnesota | No state cap | Yes | Minn. Stat. Ch. 515B | Full Guide → |
| MSMississippi | No state cap | Yes | Miss. Code §89-9-1 | Full Guide → |
| MOMissouri | No state cap | Yes | RSMo §448 | Full Guide → |
| MTMontana | No state cap | Yes | MCA §70-23-101 | Full Guide → |
| NENebraska | No state cap | Yes | Neb. Rev. Stat. §76-825 | Full Guide → |
| NVNevada | $100/violation | Yes | NRS Chapter 116 | Full Guide → |
| NHNew Hampshire | No state cap | Yes | RSA 356-B & 356-C | Full Guide → |
| NJNew Jersey | No state cap | Yes | N.J.S.A. 45:22A | Full Guide → |
| NMNew Mexico | No state cap | Yes | NMSA §47-16 | Full Guide → |
| NYNew York | No state cap | Yes | RPL §339-d | Full Guide → |
| NCNorth Carolina | $100/month | Yes | Chapter 47F | Full Guide → |
| NDNorth Dakota | No state cap | Yes | N.D.C.C. §47-04.1 | Full Guide → |
| OHOhio | No state cap | Yes | ORC Ch. 5312 | Full Guide → |
| OKOklahoma | No state cap | Yes | Title 60 §851-857 | Full Guide → |
| OROregon | No state cap | Yes | ORS 94.550 | Full Guide → |
| PAPennsylvania | $50/day | Yes | 68 Pa.C.S. §5101 | Full Guide → |
| RIRhode Island | No state cap | Yes | R.I. Gen. Laws §34-36.1 | Full Guide → |
| SCSouth Carolina | No state cap | Yes | SC Code §27-30 | Full Guide → |
| SDSouth Dakota | No state cap | Yes | SDCL §43-15B | Full Guide → |
| TNTennessee | No state cap | Yes | TN Code §66-27 | Full Guide → |
| TXTexas | No state cap | Yes | Property Code Ch. 209 | Full Guide → |
| UTUtah | $100 initial | Yes | Utah Code §57-8a | Full Guide → |
| VTVermont | No state cap | Yes | 27 V.S.A. Ch. 15 | Full Guide → |
| VAVirginia | $10-100/day | Yes | VA Code §55.1 | Full Guide → |
| WAWashington | No state cap | Yes | RCW 64.38 | Full Guide → |
| WVWest Virginia | No state cap | Yes | W. Va. Code §36B | Full Guide → |
| WIWisconsin | No state cap | Yes | Wis. Stat. §703 | Full Guide → |
| WYWyoming | No state cap | Yes | Wyo. Stat. §34-20-101 | Full Guide → |
Max fine: No state cap · Ala. Code §35-8A & §35-20
Read Alabama Guide →Max fine: No state cap · AS §34.08
Read Alaska Guide →Max fine: No state cap · ARS Title 33, Ch. 16
Read Arizona Guide →Max fine: No state cap · Ark. Code §18-13-101
Read Arkansas Guide →Max fine: $100/violation · Civil Code §4000–6150
Read California Guide →Max fine: $500/violation · CRS §38-33.3
Read Colorado Guide →Max fine: No state cap · Conn. Gen. Stat. §47-200
Read Connecticut Guide →Max fine: No state cap · Del. Code Title 25 §81
Read Delaware Guide →Max fine: $100/violation · Chapter 720
Read Florida Guide →Max fine: No state cap · O.C.G.A. §44-3
Read Georgia Guide →Max fine: $50/day · HRS §421J & §514B
Read Hawaii Guide →Max fine: No state cap · Idaho Code §55-115
Read Idaho Guide →Max fine: No state cap · 765 ILCS 160
Read Illinois Guide →Max fine: No state cap · IC §32-25.5
Read Indiana Guide →Max fine: No state cap · Iowa Code Ch. 499A & 499B
Read Iowa Guide →Max fine: No state cap · K.S.A. §58-4601
Read Kansas Guide →Max fine: No state cap · KRS §381.9101
Read Kentucky Guide →Max fine: No state cap · La. R.S. 9:1121.101
Read Louisiana Guide →Max fine: No state cap · 33 M.R.S. §1601-101
Read Maine Guide →Max fine: No state cap · MD Real Property §11B
Read Maryland Guide →Max fine: No state cap · M.G.L. c. 183A
Read Massachusetts Guide →Max fine: No state cap · MCL §559.101
Read Michigan Guide →Max fine: No state cap · Minn. Stat. Ch. 515B
Read Minnesota Guide →Max fine: No state cap · Miss. Code §89-9-1
Read Mississippi Guide →Max fine: No state cap · RSMo §448
Read Missouri Guide →Max fine: No state cap · MCA §70-23-101
Read Montana Guide →Max fine: No state cap · Neb. Rev. Stat. §76-825
Read Nebraska Guide →Max fine: $100/violation · NRS Chapter 116
Read Nevada Guide →Max fine: No state cap · RSA 356-B & 356-C
Read New Hampshire Guide →Max fine: No state cap · N.J.S.A. 45:22A
Read New Jersey Guide →Max fine: No state cap · NMSA §47-16
Read New Mexico Guide →Max fine: No state cap · RPL §339-d
Read New York Guide →Max fine: $100/month · Chapter 47F
Read North Carolina Guide →Max fine: No state cap · N.D.C.C. §47-04.1
Read North Dakota Guide →Max fine: No state cap · ORC Ch. 5312
Read Ohio Guide →Max fine: No state cap · Title 60 §851-857
Read Oklahoma Guide →Max fine: No state cap · ORS 94.550
Read Oregon Guide →Max fine: $50/day · 68 Pa.C.S. §5101
Read Pennsylvania Guide →Max fine: No state cap · R.I. Gen. Laws §34-36.1
Read Rhode Island Guide →Max fine: No state cap · SC Code §27-30
Read South Carolina Guide →Max fine: No state cap · SDCL §43-15B
Read South Dakota Guide →Max fine: No state cap · TN Code §66-27
Read Tennessee Guide →Max fine: No state cap · Property Code Ch. 209
Read Texas Guide →Max fine: $100 initial · Utah Code §57-8a
Read Utah Guide →Max fine: No state cap · 27 V.S.A. Ch. 15
Read Vermont Guide →Max fine: $10-100/day · VA Code §55.1
Read Virginia Guide →Max fine: No state cap · RCW 64.38
Read Washington Guide →Max fine: No state cap · W. Va. Code §36B
Read West Virginia Guide →Max fine: No state cap · Wis. Stat. §703
Read Wisconsin Guide →Max fine: No state cap · Wyo. Stat. §34-20-101
Read Wyoming Guide →Florida, Arizona, and California are widely considered the most homeowner-protective states. Florida caps fines at $100 per violation and requires independent hearing committees. Arizona mandates a hearing before any fine is enforceable. California caps fines at $100 and requires ADR before litigation.
No. Only some states set dollar limits on HOA fines. Florida and California cap fines at $100 per violation, Nevada caps non-emergency fines at $100 ($1,000 aggregate per hearing), and Colorado caps fines at $500. Texas and Arizona have no statewide cap but require fines to be "reasonable."
In most states with HOA-specific statutes, yes. Florida, California, Arizona, Nevada, Colorado, and Texas all require some form of notice and hearing before imposing fines. The specifics — committee composition, notice timelines, and appeal procedures — vary by state.
Select your state from the guide above for a comprehensive breakdown of your state's governing statutes, fine limits, hearing requirements, homeowner rights, and dispute resolution processes. If your state isn't covered yet, check back soon — we're adding new states every week.
This depends heavily on your state. In Florida, fines under $1,000 cannot become a lien. In Colorado, HOAs cannot foreclose for fines alone. Arizona recently added protections requiring 18 months of delinquency before foreclosure. Always check your specific state's laws.
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