Comparing HOA governance metrics across 40 states with sufficient data.
| Rank | State | HOAs | Restriction Rate | Avg Freedom | Avg Enforcement | Due Process Risk | Avg Fine Ceiling | No Appeal | No Fine Cap |
|---|---|---|---|---|---|---|---|---|---|
| 1 | Connecticut CT | 8 | 100.0% | 39 | 55 | 25 | $1,881 | 0.0% | 0.0% |
| 2 | Kentucky KY | 29 | 100.0% | 50 | 57 | 43 | $185 | 6.9% | 6.9% |
| 3 | Massachusetts MA | 49 | 98.0% | 52 | 57 | 42 | $299 | 22.4% | 4.1% |
| 4 | Louisiana LA | 48 | 97.9% | 45 | 56 | 37 | $673 | 2.1% | 6.3% |
| 5 | Kansas KS | 37 | 97.3% | 51 | 56 | 38 | $1,684 | 2.7% | 5.4% |
| 6 | South Carolina SC | 128 | 96.9% | 47 | 57 | 39 | $587 | 5.5% | 7.0% |
| 7 | Nevada NV | 160 | 96.3% | 47 | 57 | 39 | $831 | 3.8% | 15.0% |
| 8 | Mississippi MS | 25 | 96.0% | 46 | 55 | 35 | $444 | 0.0% | 12.0% |
| 9 | Washington WA | 182 | 95.6% | 49 | 56 | 34 | $1,070 | 3.8% | 14.3% |
| 10 | Ohio OH | 131 | 95.4% | 50 | 57 | 43 | $180 | 6.9% | 3.1% |
| 11 | Alabama AL | 41 | 95.1% | 46 | 57 | 44 | $1,484 | 4.9% | 2.4% |
| 12 | Pennsylvania PA | 164 | 95.1% | 51 | 57 | 36 | $1,107 | 2.4% | 4.3% |
| 13 | New York NY | 188 | 94.7% | 47 | 55 | 40 | $1,156 | 10.1% | 6.4% |
| 14 | Illinois IL | 222 | 93.2% | 53 | 57 | 40 | $715 | 6.8% | 1.4% |
| 15 | Indiana IN | 168 | 92.9% | 50 | 55 | 36 | $938 | 1.2% | 7.7% |
| 16 | Virginia VA | 1384 | 92.4% | 51 | 53 | 36 | $355 | 5.9% | 10.2% |
| 17 | Arizona AZ | 195 | 92.3% | 51 | 56 | 41 | $1,353 | 8.2% | 7.2% |
| 18 | Wisconsin WI | 114 | 92.1% | 55 | 54 | 39 | $272 | 7.0% | 9.6% |
| 19 | California CA | 459 | 91.9% | 48 | 56 | 37 | $1,564 | 5.4% | 10.0% |
| 20 | Georgia GA | 183 | 91.8% | 47 | 56 | 40 | $1,288 | 8.2% | 12.0% |
| 21 | Tennessee TN | 194 | 91.8% | 51 | 55 | 41 | $696 | 6.2% | 8.2% |
| 22 | Michigan MI | 280 | 91.4% | 53 | 54 | 40 | $303 | 13.2% | 9.3% |
| 23 | Oklahoma OK | 34 | 91.2% | 52 | 57 | 37 | $610 | 2.9% | 2.9% |
| 24 | North Carolina NC | 314 | 91.1% | 55 | 56 | 42 | $462 | 4.1% | 6.4% |
| 25 | New Mexico NM | 100 | 91.0% | 59 | 56 | 38 | $367 | 6.0% | 10.0% |
| 26 | New Jersey NJ | 110 | 90.0% | 49 | 55 | 35 | $460 | 4.5% | 3.6% |
| 27 | Oregon OR | 78 | 89.7% | 55 | 56 | 35 | $632 | 3.8% | 14.1% |
| 28 | Florida FL | 4332 | 89.3% | 53 | 57 | 42 | $1,041 | 7.8% | 11.9% |
| 29 | Utah UT | 1410 | 87.2% | 57 | 55 | 40 | $1,498 | 3.6% | 18.8% |
| 30 | Minnesota MN | 96 | 86.5% | 60 | 56 | 36 | $538 | 6.3% | 10.4% |
| 31 | Nebraska NE | 90 | 85.6% | 61 | 55 | 38 | $584 | 3.3% | 10.0% |
| 32 | Texas TX | 3567 | 84.6% | 57 | 55 | 41 | $31,406 | 5.3% | 12.9% |
| 33 | Maryland MD | 181 | 84.0% | 61 | 55 | 35 | $502 | 6.1% | 7.2% |
| 34 | Missouri MO | 171 | 81.9% | 59 | 55 | 38 | $820 | 4.7% | 14.0% |
| 35 | Hawaii HI | 118 | 81.4% | 58 | 55 | 39 | $941 | 9.3% | 6.8% |
| 36 | Idaho ID | 75 | 80.0% | 58 | 54 | 36 | $922 | 5.3% | 8.0% |
| 37 | Colorado CO | 1201 | 79.1% | 61 | 55 | 39 | $841 | 7.7% | 13.2% |
| 38 | Delaware DE | 80 | 78.8% | 59 | 55 | 38 | $901 | 8.8% | 11.3% |
| 39 | Arkansas AR | 75 | 74.7% | 62 | 55 | 35 | $405 | 1.3% | 9.3% |
| 40 | Iowa IA | 11 | 72.7% | 58 | 55 | 35 | $3,260 | 0.0% | 9.1% |