New Jersey HOA Analysis

Analysis of 110 HOA communities in New Jersey

110

HOAs Analyzed

90.0%

Have Restrictions

National avg: 90.2% • Ranked #26

Avg HOA Score

Ranked #31 of 40 states

55/100

Governance Power

Ranked #27 of 40

65/100

Homeowner Protections

No-appeal flagged: 4.5% • Ranked #25

$460

Avg Fine Ceiling

No fine cap: 3.6% • Ranked #35

Financial Enforcement

Avg Fine Ceiling$460

No Fine Cap (rate)3.6%

Escalating Daily Fines0.0%

Avg Enforcement Authority55/100

National Rank (power)#27

Due Process

Avg Due Process Risk35/100

No Appeal (rate)4.5%

Avg Restrictions per HOA27

National Rank (risk)#34

High-Risk Clauses

Signals lawmakers care about

Potentially Illegal Clauses42.7% (#10)

Fee Shifting0.0%

Unilateral Rules4.5%

Foreclosure / Control

Enforcement leverage indicators

Foreclosure Risk Language47.3% (#12)

Developer Control0.0%

High Enforcement Authority30.9%

How New Jersey Compares to National Average

Restriction Rate-0.2% vs national avg

New Jersey-Specific Insights

High Restriction Rate

New Jersey has a significantly higher restriction rate than the national average.

Low HOA Scores

HOAs in New Jersey score below 50 on average, indicating restrictive governance.

Foreclosure Leverage

47.3% of HOA documents show foreclosure-related enforcement language.

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