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State Summary
Got a Virginia HOA fine? §55.1-1819 caps charges at $50 with 14-day notice and a mandatory hearing. No foreclosure at $5K or less. Know your rights.
Governing Law: Virginia Property Owners' Association Act — VA Code §55.1-1800 et seq. (§55.1-1819 charges; §55.1-1833 lien)
Researched by Brandon Sorensen
Which law applies to you? If you live in a single-family or townhome community with a homeowners association, your rights come from the Property Owners' Association Act (POAA) — VA Code §55.1-1800 et seq. If you own a condominium unit, a different statute controls: the Virginia Condominium Act, §55.1-1900 et seq. The two acts overlap in spirit but cite different sections, so the first step in any dispute is confirming whether your community is a POA or a condominium. This page covers the POAA, the framework over the bulk of Virginia's HOA neighborhoods in Northern Virginia (Fairfax, Arlington, Loudoun, Prince William), Hampton Roads, and Greater Richmond.
The exact charge structure. Virginia does cap monetary charges for violations, but the numbers are precise and frequently misquoted. Under §55.1-1819, a charge may not exceed $50 for a single offense, or $10 per day for an offense of a continuing nature — and continuing-offense charges may not be assessed for a period exceeding 90 days, which caps a single continuing violation at roughly $900. These charges are only enforceable when your declaration or duly adopted rules authorize them; if your governing documents are silent on charges, the association cannot impose them at all. Before any charge attaches, §55.1-1819(C) requires written notice and an opportunity to be heard — with the hearing notice given at least 14 days in advance by hand delivery or registered/certified mail, return receipt requested — and the hearing result delivered the same way within seven days of the hearing. For a plain-English walkthrough of how these caps apply in 2026, see our Virginia HOA fine limits guide.
The lien and foreclosure reality. Unpaid assessments (and authorized charges) can become a lien on your lot under §55.1-1833, but the statute is heavily procedural. The association must send written notice by certified mail at least 10 days before it files, and the memorandum of lien must be filed in the circuit court land records within 12 months of the date the first unpaid assessment became due — miss that window and the lien is lost. A perfected lien may be enforced by either judicial or nonjudicial foreclosure, but only where the total sum secured exceeds $5,000, exclusive of attorney fees and costs (§55.1-1833(I)) — a homeowner protection added by the 2024 reform (HB 880 / SB 341, Chapter 55, effective July 1, 2024). The same reform set a long enforcement window: no foreclosure may be initiated more than 120 months (10 years) after the memorandum of lien is recorded.
Your records and activity rights. Under §55.1-1815 you may inspect and copy association books and records, and §55.1-1819 entitles you to the specific rule you're accused of breaking — request both in writing. The POAA also protects several activities the board cannot ban outright: displaying the U.S. flag (§55.1-1820, subject to reasonable size/place/manner limits), installing a solar energy collection device on your own property unless your recorded declaration prohibits it (§55.1-1820.1), and operating a home-based business within your residence (§55.1-1821, subject to reasonable time/place/manner and signage rules). Note what the POAA does not include: there is no statutory political-sign protection and no statutory clothesline protection, so those issues are governed entirely by your declaration.
Where to get help. Virginia has a dedicated Common Interest Community Ombudsman (§54.1-2354.3) within the Common Interest Community Board at the Department of Professional and Occupational Regulation (DPOR). The Ombudsman helps owners understand their rights and the complaint process and can refer an adverse final decision to the Board for review — a resource many states lack. For disputes that head to court, Virginia's small claims division hears claims up to $5,000, and the general district court hears civil claims up to $50,000 (the cap was raised from $25,000 by SB 1291, effective July 1, 2025), so most HOA charge and assessment disputes can be resolved without circuit-court litigation.
Virginia HOA at a glance
The sections below go deeper on each topic: how to fight a violation, the full POAA homeowner rights, and the precise charge and lien limits. For a quick comparison, neighboring North Carolina uses a flat $100-per-violation statutory cap, while Georgia imposes no statewide charge cap — making Virginia's protections distinctly procedure-driven rather than dollar-driven.
Max Fine
$50 per single offense (§55.1-1819)
Aggregate Cap
$10/day, 90-day cap (~$900 max)
Notice Period
14 days before hearing (certified mail)
Hearing
Yes — board or tribunal in the documents
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The Property Owners' Association Act (§55.1-1800 et seq.) spells out what your board owes you: record access under §55.1-1815 within 5 business days if professionally managed, 10 if self-managed; open meetings under §55.1-1816; and activities a board cannot ban — the U.S. flag (§55.1-1820), solar (§55.1-1820.1), and home-based businesses (§55.1-1821). It also covers the limits: a board cannot enforce rules absent from your governing documents.
Read the full Virginia HOA laws guide →Under §55.1-1819 a Virginia charge cannot exceed $50 for a single offense or $10 per day for a continuing one, with continuing charges capped at 90 days (~$900) and only when your declaration or rules authorize charges. On collections, §55.1-1833 (amended in 2024 by HB 880/SB 341) bars foreclosure unless the sums secured exceed $5,000, exclusive of attorney fees, and requires 60 days' pre-sale notice on the nonjudicial route.
Read the full Virginia HOA fine-limits guide →Virginia charges are only valid when your governing documents authorize them and the board follows §55.1-1819: written notice by registered or certified mail, a hearing before the board or tribunal noticed at least 14 days ahead, and a written decision within 7 days. It shows how a missed deadline or mail defect can void a charge, and covers filing a CIC Board (DPOR) complaint carrying penalties up to $1,000 per violation.
Read the full Virginia dispute guide →Under VA Code § 55.1-1819, a charge may not exceed $50 for a single offense, or $10 per day for an offense of a continuing nature. Continuing-offense charges cannot be assessed for a period exceeding 90 days, which caps a single continuing violation at roughly $900. These limits only apply if your declaration or duly adopted rules authorize charges in the first place — if your governing documents are silent on charges, the HOA cannot impose them at all.
Under § 55.1-1819(C), before a charge is imposed your HOA must give you written notice and an opportunity to be heard and represented by counsel before the board of directors or a tribunal specified in your documents. The hearing notice must be given at least 14 days in advance, by hand delivery or registered/certified mail (return receipt requested). The hearing result must then be delivered to you the same way within 7 days of the hearing.
No. The POAA (§ 55.1-1800 et seq.) governs single-family and townhome homeowners associations. Condominiums are governed by a separate statute — the Virginia Condominium Act, § 55.1-1900 et seq. The two acts have similar protections but cite different sections, so the first step in any dispute is confirming whether your community is a property owners' association or a condominium, and applying the right statute.
Only in limited circumstances. Unpaid assessments and authorized charges can become a lien under § 55.1-1833, but as of July 1, 2024 (HB 880 / SB 341), a lien can be enforced by foreclosure only where the total sum secured exceeds $5,000, exclusive of attorney fees and costs. Below that threshold the association must pursue ordinary collection rather than foreclosure. The lien itself also has strict rules: 10 days' advance certified-mail notice before filing, and the memorandum must be filed within 12 months of the first unpaid assessment.
Yes. Virginia has a Common Interest Community Ombudsman (§ 54.1-2354.3) within the Common Interest Community Board at the Department of Professional and Occupational Regulation (DPOR). The Ombudsman helps owners understand their rights and the complaint process and can refer an association's adverse final decision to the Board for review. You can also file a formal complaint with the Common Interest Community Board about violations of the POAA — a state resource many other states do not offer.
No. Under the POAA, an HOA can only charge you for violating the declaration or rules that the governing documents authorize. If your declaration and rules do not authorize charges, or do not address the conduct you are accused of, the charge is not enforceable. Use your § 55.1-1815 record-access rights to request the specific document section the association is relying on before paying anything.
Not under the POAA. The Property Owners' Association Act does protect the U.S. flag (§ 55.1-1820), solar energy devices on your own property unless the recorded declaration prohibits them (§ 55.1-1820.1), and home-based businesses (§ 55.1-1821) — but it contains no statutory protection for political signs or clotheslines. Whether those are allowed is governed entirely by your declaration and rules, so check your governing documents.
Explore detailed guides for specific violation types, including your rights, sample response letters, and appeal strategies.
Every state has different HOA rules. Compare Virginia'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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Primary government sources, so you can read the law yourself rather than take our summary for it. Links checked 2026-08-12.