State Rankings

Comparing HOA governance metrics across 40 states with sufficient data.

Top 10 Most Restrictive States

States with the highest rates of HOA restrictions

#1

Connecticut

8 HOAs analyzed • Avg HOA Score: 39

100.0%

restricted

#2

Kentucky

29 HOAs analyzed • Avg HOA Score: 50

100.0%

restricted

#3

Massachusetts

49 HOAs analyzed • Avg HOA Score: 52

98.0%

restricted

#4

Louisiana

48 HOAs analyzed • Avg HOA Score: 45

97.9%

restricted

#5

Kansas

37 HOAs analyzed • Avg HOA Score: 51

97.3%

restricted

#6

South Carolina

128 HOAs analyzed • Avg HOA Score: 47

96.9%

restricted

#7

Nevada

162 HOAs analyzed • Avg HOA Score: 47

96.3%

restricted

#8

Mississippi

25 HOAs analyzed • Avg HOA Score: 46

96.0%

restricted

#9

Washington

182 HOAs analyzed • Avg HOA Score: 49

95.6%

restricted

#10

Ohio

131 HOAs analyzed • Avg HOA Score: 50

95.4%

restricted

Top 10 Least Restrictive States

States with the lowest rates of HOA restrictions

#1

Iowa

11 HOAs analyzed • Avg HOA Score: 58

72.7%

restricted

#2

Arkansas

75 HOAs analyzed • Avg HOA Score: 62

74.7%

restricted

#3

Delaware

80 HOAs analyzed • Avg HOA Score: 59

78.8%

restricted

#4

Colorado

1201 HOAs analyzed • Avg HOA Score: 61

79.1%

restricted

#5

Idaho

75 HOAs analyzed • Avg HOA Score: 58

80.0%

restricted

#6

Hawaii

118 HOAs analyzed • Avg HOA Score: 58

81.4%

restricted

#7

Missouri

171 HOAs analyzed • Avg HOA Score: 59

81.9%

restricted

#8

Maryland

181 HOAs analyzed • Avg HOA Score: 61

84.0%

restricted

#9

Texas

3567 HOAs analyzed • Avg HOA Score: 57

84.6%

restricted

#10

Nebraska

90 HOAs analyzed • Avg HOA Score: 61

85.6%

restricted

Complete State Rankings

All states sorted by restriction rate

Rank	State	HOAs	Restriction Rate	Avg Freedom	Avg Enforcement
1	Connecticut	8	100.0%	39	55
2	Kentucky	29	100.0%	50	57
3	Massachusetts	49	98.0%	52	57
4	Louisiana	48	97.9%	45	56
5	Kansas	37	97.3%	51	56
6	South Carolina	128	96.9%	47	57
7	Nevada	162	96.3%	47	57
8	Mississippi	25	96.0%	46	55
9	Washington	182	95.6%	49	56
10	Ohio	131	95.4%	50	57
11	Alabama	41	95.1%	46	57
12	Pennsylvania	164	95.1%	51	57
13	Virginia	214	94.4%	49	56
14	New York	114	93.9%	47	56
15	Illinois	222	93.2%	53	57
16	Indiana	168	92.9%	50	55
17	Arizona	195	92.3%	51	56
18	Wisconsin	114	92.1%	55	54
19	California	457	91.9%	49	56
20	Georgia	183	91.8%	47	56
21	Tennessee	194	91.8%	51	55
22	Michigan	280	91.4%	53	54
23	Oklahoma	34	91.2%	52	57
24	New Mexico	100	91.0%	59	56
25	North Carolina	311	91.0%	56	56
26	New Jersey	110	90.0%	49	55
27	Oregon	78	89.7%	55	56
28	Florida	4331	89.3%	53	57
29	Utah	1410	87.2%	57	55
30	Minnesota	96	86.5%	60	56
31	Nebraska	90	85.6%	61	55
32	Texas	3567	84.6%	57	55
33	Maryland	181	84.0%	61	55
34	Missouri	171	81.9%	59	55
35	Hawaii	118	81.4%	58	55
36	Idaho	75	80.0%	58	54
37	Colorado	1201	79.1%	61	55
38	Delaware	80	78.8%	59	55
39	Arkansas	75	74.7%	62	55
40	Iowa	11	72.7%	58	55