North Carolina HOA Analysis

Analysis of 314 HOA communities in North Carolina

314

HOAs Analyzed

91.1%

Have Restrictions

National avg: 90.2% • Ranked #24

Avg HOA Score

Ranked #14 of 40 states

56/100

Governance Power

Ranked #12 of 40

58/100

Homeowner Protections

No-appeal flagged: 4.1% • Ranked #26

$462

Avg Fine Ceiling

No fine cap: 6.4% • Ranked #30

Financial Enforcement

Avg Fine Ceiling$462

No Fine Cap (rate)6.4%

Escalating Daily Fines0.6%

Avg Enforcement Authority56/100

National Rank (power)#12

Due Process

Avg Due Process Risk42/100

No Appeal (rate)4.1%

Avg Restrictions per HOA21

National Rank (risk)#5

High-Risk Clauses

Signals lawmakers care about

Potentially Illegal Clauses29.9% (#27)

Fee Shifting0.3%

Unilateral Rules5.1%

Foreclosure / Control

Enforcement leverage indicators

Foreclosure Risk Language41.7% (#17)

Developer Control0.3%

High Enforcement Authority27.7%

How North Carolina Compares to National Average

Restriction Rate+0.9% vs national avg

North Carolina-Specific Insights

High Restriction Rate

North Carolina has a significantly higher restriction rate than the national average.

Foreclosure Leverage

41.7% of HOA documents show foreclosure-related enforcement language.

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