Kentucky HOA Analysis

Analysis of 29 HOA communities in Kentucky

HOAs Analyzed

100.0%

Have Restrictions

National avg: 90.2% • Ranked #2

Avg HOA Score

Ranked #28 of 40 states

57/100

Governance Power

Ranked #10 of 40

57/100

Homeowner Protections

No-appeal flagged: 6.9% • Ranked #11

$185

Avg Fine Ceiling

No fine cap: 6.9% • Ranked #27

Financial Enforcement

Avg Fine Ceiling$185

No Fine Cap (rate)6.9%

Escalating Daily Fines3.4%

Avg Enforcement Authority57/100

National Rank (power)#10

Due Process

Avg Due Process Risk43/100

No Appeal (rate)6.9%

Avg Restrictions per HOA24

National Rank (risk)#3

High-Risk Clauses

Signals lawmakers care about

Potentially Illegal Clauses34.5% (#24)

Fee Shifting3.4%

Unilateral Rules3.4%

Foreclosure / Control

Enforcement leverage indicators

Foreclosure Risk Language41.4% (#19)

Developer Control0.0%

High Enforcement Authority31.0%

How Kentucky Compares to National Average

Restriction Rate+9.8% vs national avg

Kentucky-Specific Insights

High Restriction Rate

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

Foreclosure Leverage

41.4% of HOA documents show foreclosure-related enforcement language.

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