Illinois HOA Analysis

Analysis of 222 HOA communities in Illinois

222

HOAs Analyzed

93.2%

Have Restrictions

National avg: 90.2% • Ranked #14

Avg HOA Score

Ranked #18 of 40 states

57/100

Governance Power

Ranked #4 of 40

60/100

Homeowner Protections

No-appeal flagged: 6.8% • Ranked #13

$715

Avg Fine Ceiling

No fine cap: 1.4% • Ranked #39

Financial Enforcement

Avg Fine Ceiling$715

No Fine Cap (rate)1.4%

Escalating Daily Fines0.9%

Avg Enforcement Authority57/100

National Rank (power)#4

Due Process

Avg Due Process Risk40/100

No Appeal (rate)6.8%

Avg Restrictions per HOA21

National Rank (risk)#11

High-Risk Clauses

Signals lawmakers care about

Potentially Illegal Clauses36.5% (#21)

Fee Shifting0.0%

Unilateral Rules2.7%

Foreclosure / Control

Enforcement leverage indicators

Foreclosure Risk Language48.6% (#10)

Developer Control0.0%

High Enforcement Authority38.3%

How Illinois Compares to National Average

Restriction Rate+3.1% vs national avg

Illinois-Specific Insights

High Restriction Rate

Illinois has a significantly higher restriction rate than the national average.

Foreclosure Leverage

48.6% of HOA documents show foreclosure-related enforcement language.

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