We analyzed 16,435 HOA governing documents across the United States. Here is the raw data on what they ban, how they fine, and understanding governance structures.
Contains rules that likely violate federal/state laws.
Can foreclose over unpaid fines as little as $500.
No cap on daily fines. Up to $100+ per day forever.
No independent hearing. Their word is final.
Fee shifting clauses: If you fight and lose, you pay.
Can change rules unilaterally without homeowner vote.
Explore the data behind HOA governance in our detailed reports.