Geographic Intelligence
Comprehensive state-by-state analysis of HOA restrictions, enforcement power, and freedom scores.
States Tracked
41
Total HOAs Analyzed
6,367
Nat'l Avg Restriction
95%
Nat'l Avg Freedom Score
50
47%
HOAs with high enforcement power (fines + discretion)
41%
Communities scoring below 60 on notice + appeal language
82% / 0%
Undefined fine ceilings / escalating “until cured” language
We now cover about 1% of all US HOAs. Darker tiles signal higher restriction rates; tap tiles on mobile for quick read.
Prevalence by State (Top 12)
| Rank | State | HOAs | Restricted | Avg Score |
|---|---|---|---|---|
| #1 | MN | 32 | 100% | 54 |
| #2 | CT | 8 | 100% | 39 |
| #3 | KS | 16 | 100% | 49 |
| #4 | NE | 18 | 100% | 59 |
| #5 | WI | 16 | 100% | 49 |
| #6 | MS | 14 | 100% | 44 |
| #7 | KY | 29 | 100% | 50 |
| #8 | AR | 10 | 100% | 41 |
| #9 | DE | 12 | 100% | 39 |
| #10 | Unknown | 3 | 100% | 66 |
| Rank | State | HOAs | Restricted | Avg Score |
|---|---|---|---|---|
| #1 | Unknown | 3 | 100% | 66 |
| #2 | UT | 295 | 75% | 60 |
| #3 | NE | 18 | 100% | 59 |
| #4 | TX | 472 | 62% | 58 |
| #5 | NM | 39 | 95% | 58 |
| #6 | MD | 45 | 98% | 56 |
| #7 | IA | 9 | 78% | 56 |
| #8 | NC | 254 | 93% | 55 |
| #9 | MN | 32 | 100% | 54 |
| #10 | IL | 222 | 93% | 53 |
Sunbelt Severity
Florida, Arizona, and Nevada lead in restriction rates (60%+), correlating with rapid development and short-term rental concerns post-2015.
Midwest Moderation
States like Ohio, Indiana, and Iowa show significantly lower restriction rates (<40%), reflecting older HOAs with less aggressive rental policies.
Coastal Divergence
California and Washington exhibit mixed patterns: tech-hub HOAs are more restrictive, while older communities maintain looser rules.
Data Coverage
We've analyzed approximately 1% of all US HOAs, with concentration in top 15 states. Coverage expanding daily.