HOA Relief

States

New Jersey special assessments: what your board must do.

Structural inspections and reserve studies under the 2024 law.

Why New Jersey owners are getting these bills

The 2024 Structural Integrity Law requires licensed structural inspections of covered condo and co-op buildings, with the first deadline for the oldest buildings in January 2026.

P.L.2023, c.214

Associations must also have a capital reserve study and a 30-year funding plan, updated every five years. A 2025 law adjusted the funding rules.

N.J.S.A. 45:22A-44.2; P.L.2025, c.132

Condos

Does the board need an owner vote?

New Jersey law does not require an owner vote for ordinary special assessments; your master deed and bylaws decide. Boards can assess for structural repairs supported by an engineer's report without an owner vote.

N.J.S.A. 46:8B-17; 45:22A-45a

What notice must owners get?

The Condominium Act sets no special notice rule for special assessments, so the bylaws control. Ask for the notice of the meeting where it was approved.

N.J.S.A. 46:8B-14

Your right to see the records

Owners can inspect the association's books and records at reasonable times. The statute sets no deadline, so ask in writing, name the records and give a reasonable date.

N.J.S.A. 46:8B-14(g)

Payment plans, late fees and liens

Interest cannot exceed the legal rate, and late fees and fines are only allowed if the master deed or bylaws allow them. A lien cannot be recorded for late fees alone. There is no statutory right to a payment plan, so ask the board.

N.J.S.A. 46:8B-17; 46:8B-21

HOAs (houses and townhouses)

Owner vote

New Jersey law sets no owner vote for HOA special assessments; your governing documents decide.

N.J.S.A. 45:22A-44.3

Notice

No statutory notice rule for special assessments; follow your bylaws, and ask for the notice of the meeting that approved it.

N.J.S.A. 45:22A-46

Records

Owners have a right to examine association records under the Planned Real Estate Development Full Disclosure Act, but the law sets no deadline. Ask in writing and set a reasonable date.

N.J.S.A. 45:22A-46(a)

Payment, late fees and liens

Unpaid assessments can become a lien with interest, late fees and legal fees, but not for late fees alone. There is no statutory payment plan right.

N.J.S.A. 45:22A-44.1

Summarised from the statutes in November 2026. Not legal advice; your declaration and bylaws may add more rules.