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State Summary
Complete Oregon HOA guide under ORS 94.550-94.783. No statewide fine cap, notice and an opportunity to be heard before fines, judicial foreclosure, records access, and solar/EV protections.
Governing Law: ORS 94.550-94.783 — Oregon Planned Community Act
Researched by Brandon Sorensen
Max Fine
No statewide cap
Aggregate Cap
Per governing documents
Notice Period
Notice + opportunity to be heard (ORS 94.630)
Hearing
Opportunity to be heard (ORS 94.630)
Oregon HOA law is governed by the Oregon Planned Community Act (ORS 94.550-94.783), establishing one of the most homeowner-protective legal frameworks in the United States. Unlike many states with strict fine caps, Oregon takes a different approach: no statewide fine cap, but strict procedural protections that make enforcement difficult and expensive for HOAs. To see how Oregon compares to other states, check our HOA fine limits comparison by state.
Oregon's statute is homeowner-friendly in several ways: before levying a fine, the HOA must give written notice and an opportunity to be heard and follow a delivered fine schedule (ORS 94.630); HOA assessment liens are foreclosed judicially (ORS 94.709 / 94.719); and homeowners have broad record-access rights (ORS 94.670). Oregon also protects solar energy systems (ORS 94.778) and EV charging stations (ORS 94.762), though an HOA may require an application and reasonable conditions. Similar protections exist in neighboring states like Washington, California, and Nevada.
This guide covers everything you need to know about Oregon HOA law: how to fight violations under ORS 94.630, your records and protected-activity rights, the judicial foreclosure process (ORS 94.709), and how to leverage Oregon's homeowner protections. (Note: Oregon does not have a "mandatory mediation" statute — before suing, a party must only offer county dispute resolution under ORS 94.630, and that offer can be bypassed after 30 days and doesn't apply to assessment-collection suits.) Use the sections below to find the information most relevant to your situation. You can also review our guide on how to respond to HOA violation notices and our guide on landscaping violations and weeds.
Oregon vs. Neighboring States: Oregon's judicial foreclosure requirement provides meaningful homeowner protection — an HOA must go through court to foreclose its lien (ORS 94.709). If your HOA is threatening foreclosure, Oregon law may give you more court protections than you realize.
Homeowners associations in Oregon are governed by the ORS 94.550-94.783 — Oregon Planned Community Act. Under that statute, the maximum fine an HOA can impose is No statewide cap, with Per governing documents as the aggregate limit for continuing or repeated violations.
Before a fine becomes enforceable, your HOA must give you Notice + opportunity to be heard (ORS 94.630). Oregon requires a hearing in the following circumstances: Opportunity to be heard (ORS 94.630). If your HOA skipped any of these procedural steps, the fine may be challengeable on procedural grounds regardless of whether you actually violated the underlying rule.
The three guides below cover the law in depth: how to fight a violation in Oregon, what your rights and the HOA's obligations are under ORS 94.550-94.783 — Oregon Planned Community Act, and the specific dollar limits and lien rules that apply to fines.
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Step-by-step guide to challenging Oregon HOA violations. Understand the ORS 94.630 notice-and-opportunity-to-be-heard requirement, the delivered fine schedule, selective enforcement, county dispute resolution, and when to pursue litigation.
Read Guide →Complete explanation of ORS 94.550-94.783. Your rights to records (ORS 94.670), notice and an opportunity to be heard before fines (ORS 94.630), judicial foreclosure, solar and EV protections, and limits on board overreach.
Read Guide →Complete guide to Oregon fine standards: no statewide cap, strict procedural requirements under ORS 94.630, judicial foreclosure of liens (ORS 94.709), and comparison to neighboring states.
Read Guide →Oregon HOA law is primarily governed by the Oregon Planned Community Act (ORS 94.550-94.783) , formally titled "Planned Communities." This statute is notably homeowner-protective, establishing strict procedural requirements that make arbitrary enforcement difficult for boards.
Read the full Oregon HOA laws guide →Oregon does not impose a statewide dollar cap on HOA fines. Instead, the Oregon Planned Community Act (ORS 94.630) establishes procedural requirements that make arbitrary enforcement difficult: the fine must be authorized by the governing documents, follow a schedule of fines…
Read the full Oregon HOA fine-limits guide →Oregon's Planned Community Act addresses HOA enforcement primarily through ORS 94.630 , which governs the association's powers — including its power to levy fines. The core statutory limit is procedural: a fine may be imposed only after notice and an opportunity to be heard ,…
Read the full Oregon dispute guide →No statewide dollar cap. Oregon Planned Community Act does not impose a maximum fine limit. However, ORS 94.630 requires that all enforcement procedures be followed strictly, fines must be authorized by governing documents, and "reasonable" fines are implied by statute. Courts have been reluctant to enforce excessive fines that violate procedural requirements.
Not by statute. ORS 94.630 requires the HOA to give written notice and an opportunity to be heard before levying a fine, and to follow a fine schedule it has delivered to owners — but it does not set a fixed 30-day cure period. A specific cure timeframe may come from your governing documents. So focus on whether you got real notice and a genuine chance to be heard, not on a "30-day" rule.
Under ORS 94.630, before levying a fine the HOA must give you written notice and an opportunity to be heard. The statute does not spell out a formal board-hearing procedure with set notice days — those specifics come from your governing documents — but you do have a statutory right to be heard before a fine, and a fine imposed without it is vulnerable to challenge.
No. There is no "ORS 94.769," and Oregon has no mandatory-mediation statute. Before filing certain litigation, a party must only <em>offer</em> to use a county dispute-resolution program (ORS 94.630) — and that requirement can be bypassed if the process isn't completed within 30 days, and it does NOT apply to suits to collect assessments. Parties can also agree to mediate voluntarily, but neither side is required to.
Oregon protects both: solar energy systems under ORS 94.778 and EV charging stations under ORS 94.762. An HOA cannot prohibit them outright, but it CAN require an application and impose reasonable conditions (for EV charging, the HOA must act on a completed application within 60 days; for solar, it may set reasonable size, placement, and aesthetic requirements). ("SB 180 (2021)," sometimes cited for this, is actually an insurance-notification bill — not the HOA solar/EV law.)
Oregon requires judicial foreclosure of HOA liens (ORS 94.709), unlike Washington's nonjudicial process. Oregon does NOT mandate mediation — it only requires an offer of county dispute resolution before certain suits (ORS 94.630), which is bypassable and doesn't apply to assessment collection. Oregon has no fine cap but requires notice and an opportunity to be heard; California caps fines (e.g., $100 per violation). Oregon's judicial-foreclosure requirement is its strongest homeowner protection.
Explore detailed guides for specific violation types, including your rights, sample response letters, and appeal strategies.
Every state has different HOA rules. Compare Oregon's with these high-traffic state guides, or see all 50 in the Max HOA Fine in Every State master table.
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