States
The rules depend on your state.
Owner votes, notice, your right to see the records, and what happens if you can't pay.
Alabama
Alabama condo law caps interest at 18% and requires notice before a lien is enforced.
AKAlaska
Owners can reject a proposed budget by majority vote; interest is capped at 18%.
AZArizona
Condo owners can reject budgets; HOA assessment hikes over 20% need member approval.
CACalifornia
Balcony and deck inspections, and big insurance increases.
COColorado
Payment plans of 18+ months, an 8% interest cap, and foreclosure limits for owners.
CTConnecticut
Connecticut owners can reject special assessments above 15% of the budget by majority.
DEDelaware
Owners can reject special assessments at a ratification meeting, except emergencies.
DCDistrict of Columbia
DC condo owners get 31 days' notice before foreclosure and can cure any time before sale.
FLFlorida
Milestone inspections due by 31 Dec 2026 and fully funded structural reserves.
HIHawaii
Master insurance premiums that have multiplied since 2023.
IDIdaho
Account statements are free and due in 5 business days; HOA liens must be recorded
IAIowa
Condo bylaws must require 7 days' notice of board meetings; liens outrank most others.
KSKansas
Board can propose special assessments on 10 days' notice; no owner vote in 58-4620
KYKentucky
Kentucky HOAs can levy special assessments, but owners get a vote to rescind or reduce.
LALouisiana
Louisiana's 2025 HOA law has owners ratify special assessments; older ones may differ.
MEMaine
Condo act caps late interest at 18%; no owner assessment vote in sections read.
MDMaryland
Required reserve studies and funding plans.
MAMassachusetts
Condo law: 75% of owners can charge a common-area improvement to everyone.
MIMichigan
Condos only: a recorded lien notice must be mailed to you 10 days before foreclosure.
MNMinnesota
Late fees and interest are capped by statute, and foreclosure waits three months.
MOMissouri
Missouri condo owners can reject a proposed budget by a majority of all owners.
MTMontana
Condo liens need a recorded sworn claim; repair and improvement work follows the bylaws.
NENebraska
Owners can reject a condo budget by majority vote; liens need a recorded notice
NVNevada
Boards can levy reserve assessments without an owner vote; strict foreclosure steps.
NJNew Jersey
Structural inspections and reserve studies under the 2024 law.
NMNew Mexico
Condo owners can reject the budget by majority; HOA records due in 10 business days.
NYNew York
Condo law only: 90 days' written notice before a lien foreclosure may start.
NCNorth Carolina
Owners can vote down the annual budget; the statute sets no vote on special assessments.
NDNorth Dakota
Short condo law: no statutory owner vote on assessments; liens need a recorded notice.
OHOhio
Most boards must budget major-repair reserves unless a majority of owners waives them.
OKOklahoma
Condo and HOA assessments can become liens; Oklahoma's statutes set no owner vote.
OROregon
Annual reserve study and maintenance plan; reserve funding can't simply be voted away.
RIRhode Island
Condo law gives owners 30-day records access; no assessment vote found.
SCSouth Carolina
Few protections: 48 hours' notice of budget-increase meetings (non-incorporated HOAs).
SDSouth Dakota
SD's condo chapter says nothing on assessments; it mostly covers developer filings.
TXTexas
Strong owner protections on records and payment plans.
UTUtah
Reserve analysis at least every six years; owners can veto the reserve line item.
VTVermont
Owners can reject a special assessment by majority vote; foreclosure needs a plan offer
VAVirginia
Boards can add assessments with no owner vote; reserve study at least every 5 years.
WAWashington
Owners can reject special assessments at a ratification meeting; reserve studies required.
WVWest Virginia
Owners can reject a budget by a majority of all owners; interest is capped at 18%.
WYWyoming
Wyoming's condo act is four sections long and sets no assessment rules.
USAnother state
The checker covers the questions that apply everywhere.